Building Consultancy for Secure Lending

Condition and construction risk assessment for property held as security.

Overview

For lenders, we prepare building consultancy reports that assess condition, construction quality, and the risks attached to a property held as security. These are prepared alongside our valuation work so the lender receives a consistent view of both the value and the physical risk.

Our Approach

We assess the physical condition of the property, the quality of its construction, and the liabilities a lender would inherit on enforcement. Findings are expressed in terms of cost and timing, so the risk can be weighed against the security value rather than described qualitatively.

What the Report Covers

Assessments typically address:

•Structural condition and defects
•Building services condition and remaining life
•Statutory and regulatory compliance
•Deleterious materials and environmental risk
•Repair and maintenance liability, costed
•Suitability for the proposed use

Alongside Valuation

Where we also value the property, the building consultancy report is prepared in parallel so the lender receives one consistent view of both value and physical risk, with no gap between the two.

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