Buying your first home in Cardiff or across South Wales is exciting, but it can also feel overwhelming. One of the most important decisions you'll make is whether to get a property survey - and if so, which type.
As Cardiff Surveyors, an independent firm of RICS chartered surveyors, we work with first-time buyers every week. This guide explains everything you need to know about property surveys to protect your investment and make an informed property purchase.
Why First-Time Buyers Need Property Surveys
Many first-time buyers wonder if they really need a property survey. The short answer is: yes, absolutely. Here's why:
Your mortgage lender will conduct their own valuation, but this is for their protection, not yours. A lender's valuation simply confirms the property is worth what you're paying - it doesn't tell you about defects or problems that could cost thousands to fix.
A professional survey from RICS chartered surveyors provides impartial advice on the condition of the property, identifies potential issues, and gives you negotiating power if problems are found.
Understanding Your Survey Options
There are three main levels of RICS surveys. As first-time buyers, you'll most likely need a Level 2 RICS home survey (also called a homebuyer report).
Level 2 HomeBuyer Report - Best for Most First-Time Buyers
This is the most popular survey choice for first-time buyers purchasing standard residential properties in reasonable condition. Our chartered surveyors conduct a thorough visual inspection and provide a detailed report on:
- The overall condition of the property
- Urgent defects requiring immediate attention
- Potential problems that could affect value
- Advice on maintenance and remedial work
- Estimated costs for repairs
The survey takes 2-3 hours, and we deliver the survey report in a timely manner - typically within 3-5 working days.
When First-Time Buyers Should Choose a Building Survey
If you're buying an older property (pre-1900), a property that's been significantly altered, or a home in poor condition, consider a Level 3 building survey. This more comprehensive inspection provides even more detail.
What Our Surveys Check
When our team of chartered surveyors conduct your homebuyers survey, we examine:
- Roof: Condition, any signs of leaks or deterioration
- Walls: Structural condition, damp, cracking
- Windows and Doors: Condition, security, energy efficiency
- Floors: Level, condition, signs of problems
- Services: Heating, plumbing, electrics (visual check)
- Drainage: Gutters, downpipes, drainage systems
- Roof Space: Where accessible, condition of timbers
- Grounds: Boundaries, paths, outbuildings
How Much Do Surveys Cost?
As first-time buyers, budget is obviously important. A Level 2 RICS home survey in Cardiff typically costs £400-600 for a standard terraced house or semi-detached property.
While this might seem expensive when you're already stretching your budget, consider this: surveys regularly identify defects worth thousands of pounds. One of our recent first-time buyer clients saved £12,000 by renegotiating based on roof issues we identified.
A £500 survey that saves you £10,000 in unexpected repairs is excellent value.
Real First-Time Buyer Story
Last year, Emma and James, both first-time buyers in their late 20s, were excited about a Victorian terrace in Roath. The property looked perfect during viewings, freshly decorated and move-in ready.
They almost skipped the survey to save money, but decided to book our Level 2 homebuyer report. Our survey identified:
- Rising damp behind new plaster (£4,000 to fix)
- Roof requiring re-slating within 3-5 years (£10,000)
- Outdated electrical installation (£3,500)
- Rotten window sills (£1,500)
Armed with our detailed survey report, Emma and James renegotiated the price down by £15,000. They used the savings to address the most urgent issues before moving in.
Common First-Time Buyer Questions
Can I use the mortgage lender's valuation instead of getting my own survey?
No. The lender's valuation is basic and for their benefit, not yours. It won't identify defects or problems. As first-time buyers, you need your own independent survey from RICS chartered surveyors to protect your investment.
What if the survey finds problems?
Don't panic! Most properties have some issues. Our experienced team provides professional guidance on whether problems are serious or just routine maintenance. You can then:
- Renegotiate the price
- Ask the seller to fix issues before completion
- Walk away if problems are too serious
- Proceed knowing what you're buying
How long does it take to get survey results?
We typically conduct surveys within 5-7 days of booking and deliver reports within 3-5 working days after the inspection. We understand property transactions move quickly, so we work to meet your timescales.
Can I attend the survey?
While you can't usually attend the full inspection, many surveyors offer a brief meeting afterward to discuss initial findings. Contact us to arrange this if it would help you understand the property better.
Should I get a survey on a new build?
Yes! New builds should come with warranties, but an independent survey can still identify construction defects. We've found issues even in brand new properties across Cardiff.
Tips for First-Time Buyers
Based on our experience helping hundreds of first-time buyers across Cardiff and South Wales, here's our advice:
- Don't skip the survey: It's false economy that could cost you thousands
- Choose the right level: Level 2 suits most standard properties
- Read the full report: Don't just look at the summary
- Ask questions: We're happy to explain anything you don't understand
- Use findings to negotiate: Survey results give you real bargaining power
- Budget for repairs: Know what costs are coming
- Don't panic over minor issues: Most properties need some work
What Happens After the Survey?
Once you receive your survey report, review it carefully with your solicitor and mortgage broker. Our reports clearly categorize issues by urgency:
- Condition 3 (Red): Urgent, serious defects
- Condition 2 (Amber): Defects needing repair or replacement
- Condition 1 (Green): No significant problems
We also provide realistic cost estimates for any remedial work required, helping you budget and negotiate effectively.
How Cardiff Surveyors Helps First-Time Buyers
As an independent firm of chartered surveyors, we understand that first-time buyers need clear, straightforward advice. We provide:
- Jargon-free reports: Written in plain English
- Realistic cost estimates: So you can budget properly
- Clear recommendations: On what needs doing and when
- Telephone support: We're always available to discuss findings
- Transparent pricing: Fixed fees, no hidden costs
- Fast turnaround: Reports delivered quickly
Areas We Cover
Our chartered surveyors specialising in residential properties provide surveys across:
- Cardiff: All areas including Roath, Canton, Cathays, Pontcanna, Llanishen
- Vale of Glamorgan: Penarth, Barry, Cowbridge
- Swansea and West Wales
- Newport and East Wales
- Bristol and surrounding areas
Book Your First-Time Buyer Survey
Don't let hidden problems ruin your first home purchase. Our experienced team of RICS chartered surveyors is here to help you buy with confidence.
Contact Cardiff Surveyors today for your online quote. We'll explain your options, recommend the right survey for your property, and provide the professional guidance you need for this important decision.
Regulated by the Royal Institution of Chartered Surveyors. Providing impartial advice and reliable valuations for over 25 years.