Bradleys Chartered Surveyors
  • Toms Update
  • Is my property suitable for a mortgage?


    Our surveyors carry out thousands of valuations through the year in all parts of Devon, Somerset and Cornwall, for many lenders such as the mainstream lenders, Nat West, Santander, Halifax etc as well as many small lenders most of which many people have not heard.


    Our valuations are strictly ruled by the guidance notes provided by each lender telling us how we should compose our reports and especially those type of properties which are unsuitable for lending.


    It is well-known that some properties are not suitable for lending – some concrete properties, steel frame and some timber frame properties. There is a very long list of those properties not suitable for the mainstream lenders.


    However, there are many other reasons why a lender may not provide a mortgage and of which most people are unaware, including insurance brokers and occasionally even the lenders themselves who may not be aware of what is in their own guidelines. To give an example of those sort of things where some lenders will not provide mortgages this could include properties with one or more annexes or holiday cottages, properties with two storey single skin brick construction, properties with in excess of 10 acres, properties on shared meters, properties less than 10 years old without a building warranty etc etc. The list is fairly endless and can be problematical as all the lenders guidance notes are different and it is often the case where one lender will not lender, another will.


    In recent years environmental matters have become more important and lenders will now want to take into consideration. New guidelines have been produced for Japanese Knotweed and valuers are being asked to consider many more matters such as flooding, radon, Mundic block and HS2.


    It is very important that even if you are not wanting a mortgage that you have a survey on a property – there could well be something there that makes the property unmortgageable and if that is the case the market value can be substantially reduced.


    Tom Davies

    Tom Davies

    Managing Director

  • Latest News
  • About Us
  • Bradleys Surveyors are a firm of Chartered Surveyors with vast experience operating throughout the core of the West Country, providing a straightforward and thorough service throughout Cornwall, Devon, and Somerset.


    Our RICS accredited Surveyors can aid you in a wide range of property services such as a Building Survey or HomeBuyer Report to assist you with your house purchase or one of the various valuations we specialise in. We have expertise in both residential and commercial property to satisfy our many different clients.


    Recent research has revealed that up to 90% of the residential properties inspected today suffer from some kind of defect. As a result, many buyers are unknowingly setting themselves up with the average bill of £5,750 to overcome hidden problems which would have been acknowledged by one of our surveyors in a report often costing as little as 10% of that bill! For many purchasing a property will be the largest investment of their life so don’t delay in gaining friendly and comprehensive reassurance from one of our surveyors today!

  • Homebuyers Report
  • The RICS HomeBuyer Report is a user friendly document presenting clear recommendations to the client, providing that extra reassurance before commitment to purchase is made. Comments are made in respect of the interior and exterior structure, services, grounds and legal issues in conjunction with a traffic light condition rating system. The knowledge of any existing or potential areas of concern allows the client to make a reasoned and informed judgement on their future home.

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  • Building Surveys
  • The most comprehensive survey available, a Building Survey will provide a technical breakdown of construction and condition of the structure and its main components. Any existing or potential defects will be identified, an opinion on origin given along with recommendations to overcome and prevent in the future. Information regarding specific issues such as structural movement, timber defects and dampness will be included providing you with a detailed assessment of your future home.

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  • Valuations
  • Our Chartered Surveyors are highly experienced in undertaking a wide range of valuation services, all in accordance with RICS standards. We can provide you with a valuation for many purposes (both residential and commercial) including Matrimonial Disputes, Probate/Inheritance Tax, Capital Gains Tax and more. On contact with a member of our friendly, knowledgeable staff we will be able to understand your needs and direct you appropriately and efficiently.

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  • Specialist Services
  • In addition, we at Bradleys Surveyors also offer a range of specialist services to meet our vast experience of this unique area of tht your survey needs. These include Expert Witness Reports, Concrete Testing and Professional Consultant’s Certificates to name a few. With the many issues specific to Cornwall, Devon and Somersee Country will fill you with confidence in all aspects of survey work.

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Career Opportunities

Qualified Chartered Required

Must be MRICS or FRICS. Carrying out mortgage valuations and surveys on residential property. Must have a driving licence. Preferably living within a 25m radius of Exeter. Competitive salary and commission to be negotiated dependant on hours, experience etc. 4 or 5 days a week optional. Varied interesting work.

To apply for this position please send your CV to sueshears@beagroup.co.uk

Toms Update!

Is my property suitable for a mortgage?


Our surveyors carry out thousands of valuations through the year in all parts of Devon, Somerset and Cornwall, for many lenders such as the mainstream lenders, Nat West, Santander, Halifax etc as well as many small lenders most of which many people have not heard.


Our valuations are strictly ruled by the guidance notes provided by each lender telling us how we should compose our reports and especially those type of properties which are unsuitable for lending.


It is well-known that some properties are not suitable for lending – some concrete properties, steel frame and some timber frame properties. There is a very long list of those properties not suitable for the mainstream lenders.


However, there are many other reasons why a lender may not provide a mortgage and of which most people are unaware, including insurance brokers and occasionally even the lenders themselves who may not be aware of what is in their own guidelines. To give an example of those sort of things where some lenders will not provide mortgages this could include properties with one or more annexes or holiday cottages, properties with two storey single skin brick construction, properties with in excess of 10 acres, properties on shared meters, properties less than 10 years old without a building warranty etc etc. The list is fairly endless and can be problematical as all the lenders guidance notes are different and it is often the case where one lender will not lender, another will.


In recent years environmental matters have become more important and lenders will now want to take into consideration. New guidelines have been produced for Japanese Knotweed and valuers are being asked to consider many more matters such as flooding, radon, Mundic block and HS2.


It is very important that even if you are not wanting a mortgage that you have a survey on a property – there could well be something there that makes the property unmortgageable and if that is the case the market value can be substantially reduced.


Tom Davies

Tom Davies

Managing Director

Latest News

About Us

Bradleys Surveyors are a firm of Chartered Surveyors with vast experience operating throughout the core of the West Country, providing a straightforward and thorough service throughout Cornwall, Devon, and Somerset.


Our RICS accredited Surveyors can aid you in a wide range of property services such as a Building Survey or HomeBuyer Report to assist you with your house purchase or one of the various valuations we specialise in. We have expertise in both residential and commercial property to satisfy our many different clients.


Recent research has revealed that up to 90% of the residential properties inspected today suffer from some kind of defect. As a result, many buyers are unknowingly setting themselves up with the average bill of £5,750 to overcome hidden problems which would have been acknowledged by one of our surveyors in a report often costing as little as 10% of that bill! For many purchasing a property will be the largest investment of their life so don’t delay in gaining friendly and comprehensive reassurance from one of our surveyors today!