Investments

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  • Help to plan your financial future
  • Access to competitive financial planning solutions


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Investments for Growth
or Income

Tax Efficient Savings

Investments Advice

When looking to invest whether it’s for Growth, Income needs or a desire to protect your wealth from potential inheritance tax liabilities, obtaining the correct advice for your circumstances and risk profile is essential.​
As part of our Wealth management services, we can assist in building you a Bespoke Investment Plan, taking into account your;
When building an Investment plan we will consider the following types of investments;

Do I really need a survey? Well, the short answer is yes.

Contrary to costs such as legal fees, estate agency fees or Stamp Duty, having your new home surveyed isn’t actually compulsory. However, with a property being the most expensive thing most of us will ever buy, the price of not having it checked by a surveyor could be devastating.

If you buy a property for the seller’s asking price and later find it has serious defects, it’s too late to back out of the purchase or renegotiate a price with your seller. You’re also likely to find yourself paying out to rectify the fault – and probably a lot more than you would have paid for a survey in the first place!

A survey to suit your needs

There isn’t just one type of survey available – you can get different ones that range in cost, according to the kind of property you’re buying:

  1. Condition report
    What is it:
    a basic overview of the property that only highlights the most significant defects; it doesn’t go into detail.
    Suitable for: those buying a relatively new homes in good condition.
  2. Homebuyer report
    What is it:
    a more comprehensive survey that highlights obvious defects such as damp or subsidence. It will include advice on any necessary repairs or maintenance and may also include a valuation or an estimation of rebuild costs. However, it’s not an intrusive survey, meaning the surveyor will only be picking up on visible issues.
    Suitable for: those buying a standard property in a reasonable condition.
  3. Building survey
    What is it:
    the most comprehensive type of survey, which looks at the property’s structure and condition, lists any defects and advises on repair and maintenance work. Unlike a homebuyer report, this is a much more hands-on survey, so the surveyor will do things like going up in the loft or looking under floorboards or behind sofas.
    Suitable for: older or listed buildings, or properties that are in poor condition or have an unusual design or structure.

But what if I’m buying a new build?

Even though it’s tempting not to have a new build property surveyed, there can still be issues with new build homes that could be costly to repair. If you’re buying a new build, you’ll need a slightly different survey called a snagging survey. It identifies any defects with new build homes, from cosmetic issues to structural problems, which the developer will then have to fix within the two-year warranty period.

We can help

As a member of Openwork, we can refer you to our specialist Surveying Service, which offers access to a large network of approved surveyors across the UK. For your peace of mind, get in touch.

Surveying is not regulated by the Financial Conduct Authority.