Home Report guide

How to read a Home Report

Use this buyer-focused guide to work through a Home Report in the right order, spot the sections that matter most and know which questions to ask before offering.

Start with the summaryLook first at condition ratings, valuation and solicitor points.
Do not ignore Category 2Future repairs can still affect budget and negotiation.
Check seller answersThe Property Questionnaire often reveals factors, shared repairs and notices.
Ask before offeringUse the report to raise solicitor, lender or contractor questions early.

The best order to read it

Check the basics

Confirm address, property type, inspection date, surveyor and whether the document is marked draft or final.

Read the condition summary

Look at every Category 2 or 3 item first, then read the full notes behind those ratings.

Review valuation and reinstatement cost

Market value is not the asking price. Reinstatement cost is for insurance rebuilding purposes, not what the property is worth.

Read the solicitor points

These may flag title, factoring, listed building, alterations, common repair or lender issues that need checked during conveyancing.

Compare the EPC and questionnaire

The EPC explains energy performance; the questionnaire gives seller-supplied answers about services, repairs, factors, notices and guarantees.

What buyers should not skim over

2

Category 2 repairs

These are not emergencies, but estimates are still advised. They can become more serious if ignored.

3

Category 3 repairs

Urgent repairs or replacement are needed now and may affect negotiation, mortgageability or timescale.

£

Valuation gap

Compare the surveyor valuation with asking price, home report date, local market and competition.

Questions to ask after reading

  • Are there any Category 2 or 3 repairs that need contractor estimates?
  • Does the lender need a refreshed valuation or transcript valuation?
  • Do common repairs, factoring or listed building points need checked by the solicitor?
  • Are there alterations, guarantees or certificates mentioned in the questionnaire?
  • Does the EPC suggest expensive improvement works or restrictions for older buildings?

Need help with a Home Report?

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