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Colleys: Clocks going back

by: Mortgage Solutions
  • 14/10/2010
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Colleys: Clocks going back
With summer just a distant memory, it is hard to believe that it's almost time to put the clocks back and for the dark nights to draw in once again.

At this time of year there are lots of ghosts and ghouls looming, and while buying a property at any time of the year can be scary, if your clients are looking to buy a house during the winter months then they should take into consideration that sometimes the darkness can hide faults or problems that may have been clearer at other times of the year.

So, with this in mind, it’s even more important for your clients to instruct a survey and not just a valuation, as they don’t know what could be hiding in the dark.

Most clients don’t realise that a Colleys Property Valuation (Level 1) is just an assessment of value – not a survey. It is normally instructed by their lender and is required when they apply for a mortgage – but it’s solely for the lender’s benefit in assessing the property as suitable security against the mortgage. By investing in a Colleys Property Check (Level 2), this offers your clients a report with a condition rating that’s clear and easy to understand. It utilises repair categories which explain the condition of the property and indicate the urgency of repairs, allowing your clients to plan or budget for any remedial work before they even move in. And it’s prepared for them, not the lender. Your clients also have access to the surveyor should they have any questions or want to discuss any issues. After all, the devil is in the detail.

Don’t forget – a Colleys Property Check will give your clients:

• Peace of mind – the surveyor will take a closer look at the property and report on any issues, giving them more detail than just an assessment of value
• A stronger bargaining position – they may be able to negotiate with the seller if they have better knowledge of the property. A Colleys Property Check could save them money
• Personal advice – they can discuss any specific issues or concerns directly with the surveyor

Colleys is one of the largest valuation and surveying businesses of its kind in the UK, offering residential property expertise through a range of valuation and survey products. Your clients will benefit from a national service with local knowledge where all of the products have been designed with the clients in mind.

For more information on the Colleys Property Check and details on the service simply visit www.colleys.co.uk/business as your clients don’t want to end up being terrified by their house purchase.

Please note, to comply with regulatory requirements, the discussion around the range of surveys available must be positioned as a non advised process, at the mortgage application stage. Your clients must decide on the level of survey that is most appropriate for them.

 

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