Once your offer on the purchase has been accepted you need to finalise your mortgage arrangements. The lender will usually want to see evidence of your earnings (recent pay slips), P60 and bank statements. Most lenders will also carry out a valuation on the property to determine whether the property is suitable as their security. You can pay for a more detailed survey that may point out any defects with the property. A homebuyer's survey and valuation provides a report on the general state of repair of the property. A full structural survey is more expensive as the surveyor covers all accessible parts of the property. The lender will only use a surveyor to obtain a valuation survey. It will not cover the purchaser in the event of any structural or other faults. If you have any doubts as to the state of the property it is incumbent on you to obtain a survey of your own, which you have to pay for.