Your home is likely to be the biggest investment of your life, yet many buyers do not commission an independent survey. Did you know… although your lender may require you to pay for a Valuation Report, it answers only the lender’s questions about the appropriate security for your loan. You cannot rely on it to provide a detailed report on the condition of the property. This is the advice of both the Consumers’ Association, publishers of Which? Magazine and the Council of Mortgage Lenders who suggest commissioning an independent survey before buying a property.