Purchasing a home is one of life’s most significant investments, and ensuring that the property is structurally sound and legally compliant is crucial. A home buyer’s survey provides invaluable insights, identifying potential issues and protecting buyers from unforeseen costs or complications. In Portugal, surveys are typically carried out by civil engineers with extensive industry experience, offering a comprehensive evaluation of a property's condition.
To provide the most accurate insights, we spoke with Gonçalo Lourenço, a specialised engineer in the Algarve with years of experience assessing luxury properties. His expertise sheds light on the importance of surveys, what buyers should look for, and how to ensure a smooth purchasing process.
Property Surveys for Used Homes
For those purchasing a pre-owned home, a thorough survey is essential to assess its condition and identify any potential concerns. The process typically follows these steps:
- Choosing a Qualified Surveyor
Buyers should engage an experienced surveyor, often recommended by their real estate advisor or through independent research. In Portugal, civil engineers generally conduct property surveys, bringing expertise across structural, electrical, and plumbing systems. - Selecting the Right Type of Survey
Depending on the level of detail required, there are several survey options:- Condition Report – A basic overview of the property's condition, highlighting urgent defects.
- Home buyer Report – A more detailed analysis covering structural concerns, necessary repairs, and maintenance recommendations.
- Building Survey – The most comprehensive option, ideal for older or unique properties, providing an in-depth assessment with expert advice on renovations.
- On-Site Inspection
The surveyor examines accessible areas, including the foundation, roof, walls, windows, doors, plumbing, electrical systems, and insulation. Any visible structural damage, moisture issues, or subsidence risks are noted. - Detailed Survey Report
After the inspection, a written report outlines findings, highlighting areas that require attention. Buyers can then decide whether to proceed with the purchase, negotiate repairs, or reconsider their offer based on the survey’s findings. - Follow-Up and Next Steps
Buyers may consult their surveyor to clarify concerns, adjust their negotiation strategy, or arrange further inspections for specific issues, such as foundation stability or damp proofing.
Surveys for New Homes
Even when purchasing a brand-new property, conducting a survey is advisable to ensure construction quality and compliance with building regulations.
- Snagging Survey for New Builds
This inspection focuses on minor defects or incomplete work that the developer should address before handover. It ensures the property meets modern standards and is move-in ready. - Key Areas Inspected
Surveyors assess finishing quality, plumbing, electrical systems, insulation, and structural integrity. Common issues include uneven surfaces, poor sealing, or minor construction defects. - Snagging Report and Resolution
The surveyor provides a snagging list, detailing required corrections. The developer is typically responsible for resolving these issues before the buyer completes the purchase. In some cases, a follow-up inspection ensures that all necessary corrections have been made.
Additional Considerations for Property Buyers
- Legal and Compliance Checks – Ensuring the property has the correct permits, complies with zoning laws, and meets legal requirements is crucial.
- Environmental and Structural Evaluations – Additional surveys may be required to check for risks like asbestos, radon, or foundation stability.
- Mortgage and Insurance Requirements – Many lenders and insurers require a property survey before approving financing or coverage.
Why Property Surveys Matter
Skipping a survey can result in costly repairs and legal headaches down the line. We strongly advises buyers to work with a qualified engineer to gain a full understanding of their potential home’s condition.A property survey provides peace of mind, ensuring buyers make informed decisions and avoid costly surprises. Whether purchasing a used or new home, a professional assessment helps identify risks, confirm structural integrity, and ensure compliance with Portuguese regulations. If you're considering a property purchase in Portugal and want expert guidance on the process, feel free to reach out. Taking the right steps now ensures a secure investment for the future.
