1 THE STABLES, BALMACARA, KYLE, IV40 8DH · THE STABLES, 1, BALMACARA, KYLE, IV40 8DH Potential...

HOME REPORT

1 THE STABLESBALMACARA

KYLEIV40 8DH

Energy Performance Certificate

You can use this document to:Energy Performance Certificate (EPC)Dwellings

ScotlandTHE STABLES, 1, BALMACARA, KYLE, IV40 8DH

Dwelling type: End-terrace houseDate of assessment: 09 July 2019Date of certificate: 18 July 2019Total floor area: 58 m2

Primary Energy Indicator: 901 kWh/m2/year

Reference number: 2800-8915-0929-6009-1313Type of assessment: RdSAP, existing dwellingApproved Organisation: ElmhurstMain heating and fuel: Electric storage heaters

You can use this document to:Compare current ratings of properties to see which are more energy efficient and environmentally friendly•Find out how to save energy and money and also reduce CO2 emissions by improving your home•

Estimated energy costs for your home for 3 years* £5,733

Over 3 years you could save* £3,654

See yourrecommendations

report for moreinformation

* based upon the cost of energy for heating, hot water, lighting and ventilation, calculated using standard assumptions

Very energy efficient - lower running costs Current Potential

119A(92 plus)

B(81-91)

C(69-80)

D(55-68)

E(39-54

36F(21-38)

G(1-20)

Not energy efficient - higher running costs

Energy Efficiency Rating

This graph shows the current efficiency of your home,taking into account both energy efficiency and fuelcosts. The higher this rating, the lower your fuel billsare likely to be.

Your current rating is band F (36). The average ratingfor EPCs in Scotland is band D (61).

The potential rating shows the effect of undertaking allof the improvement measures listed within yourrecommendations report.

Very environmentally friendly - lower CO2 emissions Current Potential

100A(92 plus)

B(81-91)

C(69-80)

D(55-68)

E(39-54

25F(21-38)

G(1-20)

Not environmentally friendly - higher CO2 emissions

Environmental Impact (CO2) Rating

This graph shows the effect of your home on theenvironment in terms of carbon dioxide (CO2)emissions. The higher the rating, the less impact it hason the environment.

Your current rating is band F (25). The average ratingfor EPCs in Scotland is band D (59).

The potential rating shows the effect of undertaking allof the improvement measures listed within yourrecommendations report.

Top actions you can take to save money and make your home more efficient

Recommended measures Indicative cost Typical savings over 3 years

1 Room-in-roof insulation £1,500 - £2,700 £486.00

2 Cavity wall insulation £500 - £1,500 £471.00

3 Floor insulation (solid floor) £4,000 - £6,000 £477.00

A full list of recommended improvement measures for your home, together with more information on potential cost andsavings and advice to help you carry out improvements can be found in your recommendations report.

THIS PAGE IS THE ENERGY PERFORMANCECERTIFICATE WHICH MUST BE AFFIXED TO THEDWELLING AND NOT BE REMOVED UNLESS IT IS

REPLACED WITH AN UPDATED CERTIFICATE

To find out more about the recommended measuresand other actions you could take today to stopwasting energy and money, visit greenerscotland.orgor contact Home Energy Scotland on 0808 808 2282.

Page 1 of 6Elmhurst Energy Systems RdSAP Calculator v3.09r22 (SAP 9.93)

Recommendations ReportTHE STABLES, 1, BALMACARA, KYLE, IV40 8DH18 July 2019 RRN: 2800-8915-0929-6009-1313

Summary of the energy performance related features of this homeThis table sets out the results of the survey which lists the current energy-related features of this home. Each elementis assessed by the national calculation methodology; 1 star = very poor (least efficient), 2 stars = poor, 3 stars =average, 4 stars = good and 5 stars = very good (most efficient). The assessment does not take into consideration thecondition of an element and how well it is working. ‘Assumed’ means that the insulation could not be inspected and anassumption has been made in the methodology, based on age and type of construction.

Element Description Energy Efficiency Environmental

Walls Cavity wall, as built, partial insulation (assumed)

Roof Pitched, 400+ mm loft insulationRoof room(s), ceiling insulated

Floor Solid, no insulation (assumed)

Windows Single glazed

Main heating Electric storage heaters

Main heating controls Automatic charge control

Secondary heating Portable electric heaters (assumed)

Hot water Electric immersion, off-peak

Lighting Low energy lighting in all fixed outlets

The energy efficiency rating of your homeYour Energy Efficiency Rating is calculated using the standard UK methodology, RdSAP. This calculates energy usedfor heating, hot water, lighting and ventilation and then applies fuel costs to that energy use to give an overall ratingfor your home. The rating is given on a scale of 1 to 100. Other than the cost of fuel for electrical appliances and forcooking, a building with a rating of 100 would cost almost nothing to run.

As we all use our homes in different ways, the energy rating is calculated using standard occupancy assumptionswhich may be different from the way you use it. The rating also uses national weather information to allow comparisonbetween buildings in different parts of Scotland. However, to make information more relevant to your home, localweather data is used to calculate your energy use, CO2 emissions, running costs and the savings possible from makingimprovements.

The impact of your home on the environmentOne of the biggest contributors to global warming is carbon dioxide. The energy we use for heating, lighting and powerin our homes produces over a quarter of the UK’s carbon dioxide emissions. Different fuels produce different amountsof carbon dioxide for every kilowatt hour (kWh) of energy used. The Environmental Impact Rating of your home iscalculated by applying these 'carbon factors' for the fuels you use to your overall energy use.

The calculated emissions for your home are 152 kg CO2/m²/yr.

The average Scottish household produces about 6 tonnes of carbon dioxide every year. Based on this assessment,heating and lighting this home currently produces approximately 8.8 tonnes of carbon dioxide every year. Adoptingrecommendations in this report can reduce emissions and protect the environment. If you were to install all of theserecommendations this could reduce emissions by 7.8 tonnes per year. You could reduce emissions even more byswitching to renewable energy sources.

Page 2 of 6

•••

Alternative measuresThere are alternative improvement measures which you could also consider for your home. It would be advisable toseek further advice and illustration of the benefits and costs of such measures.

External insulation with cavity wall insulationBiomass boiler (Exempted Appliance if in Smoke Control Area)Air or ground source heat pump


Estimated energy costs for this home

Current energy costs Potential energy costs

Heating £4,095 over 3 years £1,626 over 3 years

Hot water £1,485 over 3 years £300 over 3 years

Lighting £153 over 3 years £153 over 3 years

Totals £5,733 £2,079

You couldsave £3,654 over 3 years

Potential future savings

These figures show how much the average household would spend in this property for heating, lighting and hot water.This excludes energy use for running appliances such as TVs, computers and cookers, and the benefits of anyelectricity generated by this home (for example, from photovoltaic panels). The potential savings in energy costs showthe effect of undertaking all of the recommended measures listed below.

Recommendations for improvementThe measures below will improve the energy and environmental performance of this dwelling. The performanceratings after improvements listed below are cumulative; that is, they assume the improvements have been installed inthe order that they appear in the table. Further information about the recommended measures and other simpleactions to take today to save money is available from the Home Energy Scotland hotline which can be contacted on0808 808 2282. Before carrying out work, make sure that the appropriate permissions are obtained, where necessary.This may include permission from a landlord (if you are a tenant) or the need to get a Building Warrant for certaintypes of work.

Recommended measures Indicative cost Typical savingper year

Rating after improvement

Energy Environment

E 41 F 29

E 45 F 34

E 51 E 39

C 70 E 49

C 72 E 54

C 76 D 62

C 77 D 64

B 91 C 76

A 119 A 100

1 Room-in-roof insulation £1,500 - £2,700 £162

2 Cavity wall insulation £500 - £1,500 £157

3 Floor insulation (solid floor) £4,000 - £6,000 £159

4 High heat retention storage heaters anddual immersion cylinder £1,200 - £1,800 £511

5 Solar water heating £4,000 - £6,000 £54

6 Replace single glazed windows with low-E double glazed windows £3,300 - £6,500 £145

7 High performance external doors £1,000 £30

8 Solar photovoltaic panels, 2.5 kWp £3,500 - £5,500 £279

9 Wind turbine £15,000 - £25,000 £675

Choosing the right improvement package

For free and impartial advice on choosing suitable measures for your property, contact the Home EnergyScotland hotline on 0808 808 2282 or go to www.greenerscotland.org.

Page 3 of 6


About the recommended measures to improve your home’s performance ratingThis section offers additional information and advice on the recommended improvement measures for your home

1 Room-in-roof insulationInsulating roof rooms will significantly reduce heat loss; this will improve levels of comfort, reduce energy useand lower fuel bills. If it has a flat ceiling insulation can usually be added above the ceiling, and sloping ceilingsand walls of roof rooms can be insulated using an internal lining board. Roof voids must have adequateventilation to prevent dampness; seek advice about this if unsure. Further information about roof room insulationand details of local contractors can be obtained from the National Insulation Association(www.nationalinsulationassociation.org.uk). Building regulations generally apply to this work so it is best to checkthis with your local authority building standards department.

2 Cavity wall insulationCavity wall insulation, to fill the gap between the inner and outer layers of external walls with an insulatingmaterial, reduces heat loss; this will improve levels of comfort, reduce energy use and lower fuel bills. Theinsulation material is pumped into the gap through small holes that are drilled into the outer walls, and the holesare made good afterwards. As specialist machinery is used to fill the cavity, a professional installation companyshould carry out this work, and they should carry out a thorough survey before commencing work to ensure thatthis type of insulation is suitable for this home and its exposure. They should also provide a guarantee for thework and handle any building standards issues. Further information about cavity wall insulation and details oflocal installers can be obtained from the National Insulation Association(www.nationalinsulationassociation.org.uk).

3 Floor insulation (solid floor)Insulation of a floor will significantly reduce heat loss; this will improve levels of comfort, reduce energy use andlower fuel bills. Insulating solid floors can present challenges; insulation laid on top of existing solid floors mayimpact on existing doors and finishes whilst lifting of a solid floor to insert insulation below will requireconsideration of the potential effect on both structural stability and damp proofing. It is advised to seek advicefrom a Chartered Structural Engineer or a registered Architect about this if unsure. Further information aboutfloor insulation is available from many sources including www.energysavingtrust.org.uk/scotland/Insulation/Floor-insulation. Building regulations generally apply to this work and may also require a building warrant so it is bestto check with your local authority building standards department.

4 High heat retention storage heatersModern storage heaters have better insulation and are easier to control than the older type in this property. Askfor a quotation for new, high heat retention heaters with automatic charge and output controls. A dual-immersioncylinder, which can be installed at the same time, will provide cheaper hot water than the system currentlyinstalled. Installations should be in accordance with the current regulations covering electrical wiring. Ask theheating engineer to explain the options, which might also include switching to other forms of electric heating.

5 Solar water heatingA solar water heating panel, usually fixed to the roof, uses the sun to pre-heat the hot water supply. This cansignificantly reduce the demand on the heating system to provide hot water and hence save fuel and money.Planning permission might be required, building regulations generally apply to this work and a building warrantmay be required, so it is best to check these with your local authority. You could be eligible for Renewable HeatIncentive payments which could appreciably increase the savings beyond those shown on your EPC, providedthat both the product and the installer are certified by the Microgeneration Certification Scheme (or equivalent).Details of local MCS installers are available at www.microgenerationcertification.org.

6 Double glazed windowsDouble glazing is the term given to a system where two panes of glass are made up into a sealed unit.Replacing existing single-glazed windows with double-glazed windows will improve comfort in the home byreducing draughts and cold spots near windows. Double-glazed windows may also reduce noise, improvesecurity and combat problems with condensation. Building regulations apply to this work and planningpermission may also be required, so it is best to check with your local authority on what standards need to bemet. A building warrant is not required if the windows comply with the current requirements.

Page 4 of 6

Low and zero carbon (LZC) energy sources are sources of energy that release either very little or no carbon dioxideinto the atmosphere when they are used. Installing these sources may help reduce energy bills as well as cuttingcarbon.LZC energy sources present: There are none provided for this home


7 High performance external doorsHigh performance external doors contain insulation and lose heat at about half the rate of conventional externaldoors. Building regulations generally apply to this work, so it is best to check this your local authority buildingstandards department.

8 Solar photovoltaic (PV) panelsA solar PV system is one which converts light directly into electricity via panels placed on the roof with no wasteand no emissions. This electricity is used throughout the home in the same way as the electricity purchased froman energy supplier. Planning permission might be required, building regulations generally apply to this work anda building warrant may be required, so it is best to check with your local authority. The assessment does notinclude the effect of any Feed-in Tariff which could appreciably increase the savings that are shown on this EPCfor solar photovoltaic panels, provided that both the product and the installer are certified by the MicrogenerationCertification Scheme (or equivalent). Details of local MCS installers are available atwww.microgenerationcertification.org.

9 Wind turbineA wind turbine provides electricity from wind energy. This electricity is used throughout the home in the sameway as the electricity purchased from an energy supplier. Wind turbines are not suitable for all properties. Thesystem’s effectiveness depends on local wind speeds and the presence of nearby obstructions, and a sitesurvey should be undertaken by an accredited installer. Planning permission might be required and buildingregulations generally apply to this work and a building warrant may be required, so it is best to check these withyour local authority. The assessment does not include the effect of any Feed-in Tariff which could appreciablyincrease the savings that are shown on this EPC for a wind turbine, provided that both the product and theinstaller are certified by the Microgeneration Certification Scheme (or equivalent). Details of local MCS installersare available at www.microgenerationcertification.org.

Low and zero carbon energy sources

Your home's heat demand

You could receive Renewable Heat Incentive (RHI) payments and help reduce carbon emissions by replacing yourexisting heating system with one that generates renewable heat and, where appropriate, having your loft insulated andcavity walls filled. The estimated energy required for space and water heating will form the basis of the payments. Formore information go to www.energysavingtrust.org.uk/scotland/rhi.

Heat demand Existing dwelling Impact of loftinsulation

Impact of cavitywall insulation

Impact of solid wallinsulation

Space heating (kWh per year) 13,519 N/A (1,553) N/A

Water heating (kWh per year) 3,206

Addendum

Page 5 of 6


About this documentThis Recommendations Report and the accompanying Energy Performance Certificate are valid for a maximum of tenyears. These documents cease to be valid where superseded by a more recent assessment of the same buildingcarried out by a member of an Approved Organisation.

The Energy Performance Certificate and this Recommendations Report for this building were produced following anenergy assessment undertaken by an assessor accredited by Elmhurst (www.elmhurstenergy.co.uk), an ApprovedOrganisation Appointed by Scottish Ministers. The certificate has been produced under the Energy Performance ofBuildings (Scotland) Regulations 2008 from data lodged to the Scottish EPC register. You can verify the validity of thisdocument by visiting www.scottishepcregister.org.uk and entering the report reference number (RRN) printed at thetop of this page.

Assessor's name: Mr. Iain LewisAssessor membership number: EES/008307Company name/trading name: Torrance Partnership LLPAddress: Somerled Square

Isle of SkyePortreeIV51 9EH

Phone number: 01478 612659Email address: [email protected] party disclosure: No related party

If you have any concerns regarding the content of this report or the service provided by your assessor you should inthe first instance raise these matters with your assessor and with the Approved Organisation to which they belong. AllApproved Organisations are required to publish their complaints and disciplinary procedures and details can be foundonline at the web address given above.

Use of this energy performance information

Once lodged by your EPC assessor, this Energy Performance Certificate and Recommendations Report are availableto view online at www.scottishepcregister.org.uk, with the facility to search for any single record by entering theproperty address. This gives everyone access to any current, valid EPC except where a property has a Green DealPlan, in which case the report reference number (RRN) must first be provided. The energy performance data in thesedocuments, together with other building information gathered during the assessment is held on the Scottish EPCRegister and is available to authorised recipients, including organisations delivering energy efficiency and carbonreduction initiatives on behalf of the Scottish and UK governments. A range of data from all assessments undertakenin Scotland is also published periodically by the Scottish Government. Further information on these matters and onEnergy Performance Certificates in general, can be found at www.gov.scot/epc.

Page 6 of 6


Advice and support to improve this propertyThere is support available, which could help you carry out some of the improvements recommended for this propertyon page 3 and stop wasting energy and money.For more information, visit greenerscotland.org or contact HomeEnergy Scotland on 0808 808 2282.

Home Energy Scotland’s independent and expert advisors can offer free and impartial advice on all aspects of energyefficiency, renewable energy and more.

Scottish Single Survey

survey report on:

THE STABLES, 1, BALMACARA,KYLE, IV40 8DH9th July 2019 HP598525

THE STABLES, 1BALMACARAKYLEIV40 8DH

M Curran, M Macphee & J Macphee

8 Briarwell RoadMilngavieGlasgowG62 6AW

Torrance Partnership

9th July 2019

Single Survey

Property address

Customer

Customer address

Prepared by

Date of inspection

1

Terms & Conditions (With MVR) - 1\10\2008

Page 1 of 6


PART 1 - GENERAL1.1 THE SURVEYORS

The Seller has engaged the Surveyors to provide the Single Survey Report and a generic MortgageValuation Report for Lending Purposes. The Seller has also engaged the Surveyors to provide anEnergy Report in the format prescribed by the accredited Energy Company.

The Surveyors are authorised to provide a transcript or retype of the generic Mortgage ValuationReport on to Lender specific pro-forma. Transcript reports are commonly requested by Brokers andLenders. The transcript report will be in the format required by the Lender but will contain the sameinformation, inspection date and valuation figure as the generic Mortgage Valuation Report and theSingle Survey. The Surveyors will decline any transcript request which requires the provision ofinformation additional to the information in the Report and the generic Mortgage Valuation Report untilthe Seller has conditionally accepted an offer to purchase made in writing.

Once the Seller has conditionally accepted an offer to purchase made in writing, the Purchaser'slender or conveyancer may request that the Surveyors provide general comment on standardappropriate supplementary documentation. In the event of a significant amount of documentationbeing provided to the Surveyors, an additional fee may be incurred by the Purchaser. Any additionalfee will be agreed in writing.

If information is provided to the Surveyors during the conveyancing process which materially affectsthe valuation stated in the Report and generic Mortgage Valuation Report, the Surveyors reserve theright to reconsider the valuation. Where the Surveyors require to amend the valuation in consequenceof such information, they will issue an amended Report and generic Mortgage Valuation Report to theSeller. It is the responsibility of the Seller to ensure that the amended Report and generic MortgageValuation Report are transmitted to every prospective Purchaser.

The individual Surveyor will be a member of the Royal Institution of Chartered Surveyors who iscompetent to survey, value and report upon Residential Property .

If the Surveyors have had a previous business relationship within the past two years with the Seller orSellers Agent or relative to the property, they will be obliged to indicate this by ticking the adjacent box.

The Surveyors have a written complaints handling procedure. This is available from the offices of theSurveyors at the address stated.

THE REPORTThe Surveyors will not provide an amended Report on the Property, except to correct factualinaccuracies.

The Report will identify the nature and source of information relied upon in its preparation.

The Surveyor shall provide a Market Value of the Property, unless the condition of the Property is suchthat it would be inappropriate to do so. A final decision on whether a loan will be granted rests with theLender who may impose retentions in line with their lending criteria. The date of condition and valueof the property will be the date of inspection.

To date, Purchasers have normally obtained their own report from their chosen Surveyor. By contrast,a Single Survey is instructed by the Seller and made available to all potential Purchasers in theexpectation that the successful Purchaser will have relied upon it. The Royal Institution of CharteredSurveyors rules require disclosure of any potential conflict of interest when acting for the Seller andthe Purchaser in the same transaction. The Single Survey may give rise to a conflict of interest and ifthis is of concern to any party they are advised to seek their own independent advice.

1 Which shall be in accordance with the current RICS Valuation Standards (The Red Book) and RICS Rules of Conduct.

Terms and Conditions

1.2

2


Page 2 of 6


1.3

The Report and any expressions or assessments in it are not intended as advice to the Seller orPurchaser or any other person in relation to an asking price or any other sales or marketing decisions.The Report is based solely on the Property and is not to be relied upon in any manner whatsoeverwhen considering the valuation or condition of any other property.

If certain minor matters are mentioned in the Report it should not be assumed that the Property is freeof other minor defects.

Neither the whole nor any part of the Report may be published in any way, reproduced or distributedby any party other than the Seller, prospective purchasers and the Purchaser and their respectiveprofessional advisers without the prior written consent of the Surveyors.

LIABILITYThe Report is prepared with the skill and care reasonably to be expected of a competent residentialsurveyor who is a member of the Royal Institution of Chartered Surveyors.

The Report is addressed to the Seller and was prepared in the expectation that it (or a complete copy)along with these Terms and Conditions (or a complete copy) would (or, as the case might be, wouldhave been) be disclosed and delivered to:-

The Surveyors acknowledge that their duty of skill and care in relation to the Report is owed to theSeller and to the Purchaser. The Surveyors accept no responsibility or liability whatsoever in relationto the Report to persons other than the Seller and the Purchaser. The Seller and Purchaser should beaware that if a Lender seeks to rely on this Report they do so at their own risk. In particular, theSurveyors accept no responsibility or liability whatsoever to any Lender in relation to the Report. Anysuch Lender relies upon the Report entirely at their own risk.

GENERIC MORTGAGE VALUATION REPORTThe Surveyors undertake to the Seller that they will prepare a generic Mortgage Valuation Report,which will be issued along with the Single Survey. It is the responsibility of the Seller to ensure thatthe generic Mortgage Valuation Report is provided to every potential Purchaser.

TRANSCRIPT MORTGAGE VALUATION FOR LENDING PURPOSESThe Surveyors undertake that on being asked to do so by a prospective purchaser, or his/herprofessional advisor or Lender, they will prepare a Transcript Mortgage Valuation Report for LendingPurposes on terms and conditions to be agreed between the Surveyors and Lender and solely for theuse of the Lender and upon which the Lender may rely. The decision as to whether finance will beprovided is entirely a matter for the Lender. The Transcript Mortgage Valuation Report will be frominformation contained in the Report and the generic Mortgage Valuation Report.

2 Which shall be in accordance with the current RICS Valuation Standards (The Red Book) and RICS Rules of Conduct


1.4

1.5

the Seller;

any person(s) noting an interest in purchasing the Property from the Seller;

any person(s) who make(s) (or on whose behalf is made) an offer to purchase the Property,whether or not that offer is accepted by the Seller;

the Purchaser; and

the professional advisers of any of these.


Page 3 of 6


1.6 INTELLECTUAL PROPERTYAll intellectual property rights whatsoever (including copyright) in and to the Report, excluding theheadings and rubrics, are the exclusive property of the Surveyors and shall remain their exclusiveproperty unless they assign the same to any other party in writing.

PAYMENTThe Surveyors are entitled to refrain from delivering the Report to anyone until the fee and othercharges for it notified to the Seller have been paid. Additional fees will be charged for subsequentinspections and Reports.

CANCELLATIONThe Seller will be entitled to cancel the inspection by notifying the Surveyor's office at any time beforethe day of the inspection.

The Surveyor will be entitled not to proceed with the inspection (and will so report promptly to theSeller) if after arriving at the property, the Surveyor concludes that it is of a type of construction ofwhich the surveyor has insufficient specialist knowledge to be able to provide the inspectionsatisfactorily. The Surveyor will also be entitled not to proceed if after arriving at the property, thesurveyor concludes that the property is exempt under Part 3 of The Housing (Scotland) Act 2006 asdetailed in the (Prescribed Documents) Regulations 2008. If there is a potential threat to their healthor personal safety, the inspection may be postponed or cancelled, at the Surveyor's discretion.

In the case of cancellation or the inspection not proceeding, the Surveyor will refund any fees paid bythe Seller for the inspection and Report, except for expenses reasonably incurred and any fee due inlight of the final paragraph of this section.

In the case of cancellation by the Seller, for whatever reason, after the inspection has taken place butbefore a written report is issued, the Surveyor will be entitled to raise an Invoice equivalent to 80% ofthe agreed fee.

PRECEDENCEIf there is any incompatibility between these Terms and Conditions and the Report, these Terms andConditions take precedence.

DEFINITIONS


1.7

1.8

1.9

1.10

the "Lender" is the party who has provided or intends or proposes to provide financial assistanceto the Purchaser towards the purchase of the Property and in whose favour a standard securitywill be granted over the Property;

the "Transcript Mortgage Valuation Report for Lending Purposes" means a separate report,prepared by the Surveyor, prepared from information in the Report and the generic MortgageValuation Report, but in a style and format required by the Lender. The Transcript MortgageValuation Report for Lending Purposes will be prepared with the skill and care reasonably to beexpected from a surveyor who is a member of the Royal Institution of Chartered Surveyors andwho is competent to survey, value and report on the Property;

the "Generic Mortgage Valuation Report" means a separate report, prepared by the Surveyorfrom information in the Report but in the Surveyor's own format;


Page 4 of 6


PART 2 - DESCRIPTION OF THE REPORTTHE SERVICEThe Single Survey is a Report by an independent Surveyor, prepared in an objective way regardingthe condition and value of the Property on the day of the inspection, and who is a member of the RoyalInstitution of Chartered Surveyors. It includes an Energy Report as required by Statute and this is inthe format of the accredited Energy Company. In addition, the Surveyor has agreed to supply ageneric Mortgage Valuation Report.

THE INSPECTIONThe Inspection is a general surface examination of those parts of the Property which are accessible: inother words, visible and readily available for examination from ground and floor levels, without risk ofcausing damage to the Property or injury to the Surveyor.

All references to visual inspection refer to an inspection from within the property at floor level and fromground level within the site and adjoining public areas, without the need to move any obstructions.Any references to left or right are taken facing the front of the property.

The Inspection is carried out with the Seller's permission, without causing damage to the building orcontents. Furniture, stored items and insulation are not moved.

Unless identified in the report the Surveyor will assume that no harmful or hazardous materials havebeen used in the construction. The presence or possible consequences of any site contamination willnot be researched.


2.1

2.2

the "Market Value" is the estimated amount for which a property should exchange on the date ofvaluation between a willing buyer and a willing seller in an arm's-length transaction after propermarketing wherein the parties had each acted knowledgeably, prudently and without compulsion;

the "Property" is the property which forms the subject of the Report;

the "Purchaser" is the person (or persons) who enters into a contract to buy the Property from theSeller;

a "prospective Purchaser" is anyone considering buying the Property;

the "Report" is the report, of the kind described in Part 2 of these Terms and Conditions and in theform set out in part 1 of Schedule 1 of the Housing (Scotland) Act 2006 (Prescribed Documents)Regulations 2008;

the "Seller" is/are the proprietor(s) of the Property;

the "Surveyor" is the author of the Report on the Property; and

the "Surveyors" are the firm or company of which the Surveyor is an employee, director, memberor partner (unless the Surveyor is not an employee, director, member or partner, when the"Surveyors" means the Surveyor) whose details are set out at the head of the Report.

the "Energy Report" is the advice given by the accredited Energy Company, based on informationcollected by the Surveyor during the Inspection, and also includes an Energy PerformanceCertificate, in a Government approved format.


Page 5 of 6


The Surveyor will not carry out an asbestos inspection, and will not be acting as an asbestos inspectorin completing a Single Survey of properties that may fall within the Control of Asbestos in theWorkplace Regulations. In the case of flats it will be assumed that there is a duty holder, as defined inthe Regulations and that a Register of Asbestos and effective Management Plan is in place, whichdoes not require any expenditure, or pose a significant risk to health. No enquiry of the duty holder willbe made.

THE REPORTThe Report will be prepared by the Surveyor who carried out the property inspection and will describevarious aspects of the property as defined by the headings of the Single Survey report with thecomments being general and unbiased. The report on the location, style and condition of the property,will be concise and will be restricted to matters that could have a material effect upon value and willomit items that, in the Surveyor's opinion, are not significant. If certain minor matters are mentioned, itshould not be interpreted that the property is free of any other minor defects.

Throughout the report, the following repair categories will be used to give an overall opinion of thestate of repair and condition of the property.

WARNING:If left unattended, even for a relatively short period, Category 2 repairs can rapidly develop into moreserious Category 3 repairs. The existence of Category 2 or Category 3 repairs may have an adverseeffect on marketability, value and the sale price ultimately achieved for the property. This isparticularly true during slow market conditions when the effect can be considerable.

Parts of the property, which cannot be seen or accessed, will not be reported upon and this will bestated. If the Surveyor suspects that a defect may exist within an unexposed area and which couldhave a material effect upon the value, he may recommend further investigation by specialistcontractors.

SERVICESSurveyors are not equipped or qualified to test the services and therefore no comment can beinterpreted as implying that the design, installation and function of the services are inaccordance/compliance with regulations, safety and efficiency expectations. However, comment ismade where there is cause to suspect significant defects or shortcomings with the installations. Notests are made of any services or appliances.

ACCESSIBILITYA section is included to help identify the basic information interested parties need to know to decidewhether to view a property.


2.3

2.4

2.5

1.

2.

3.

Category 3: Urgent repairs or replacement are needed now. Failure to deal with them may causeproblems to other parts of the property or cause a safety hazard. Estimates for repairs orreplacement are needed now.

Category 2: Repairs or replacement requiring future attention, but estimates are still advised.

Category 1: No immediate action or repair is needed.


Page 6 of 6


ENERGY REPORTA section is included that makes provision for an Energy Report, relative to the property. TheSurveyor will collect physical data from the property and provide such data in a format required by anaccredited Energy Company. The Surveyor cannot of course accept liability for any advice given bythe Energy Company.

VALUATION AND CONVEYANCER ISSUESThe last section of the Report contains matters considered relevant to the Conveyancer (Solicitor). Italso contains the Surveyor's opinion both of the market value of the property and of the re-instatementcost, as defined below.

"Market Value" is the estimated amount for which a property should exchange on the date of valuationbetween a willing buyer and a willing seller in an arm's-length transaction after proper marketingwherein the parties had each acted knowledgeably, prudently and without compulsion. In arriving atthe opinion of the Market Value, the Surveyor also makes various standard assumptions covering, forexample, vacant possession; tenure and other legal considerations; contamination and hazardousmaterials; the condition of un-inspected parts; the right to use mains services; and the exclusion ofcurtains, carpets etc. from the valuation. In the case of flats, the following further assumptions aremade that:

Any additional assumption, or any found not to apply, is reported.

"Re-instatement cost" is an estimate for insurance purposes of the current cost of rebuilding theProperty in its present form unless otherwise stated. This includes the cost of rebuilding the garageand permanent outbuildings, site clearance and professional fees, but excludes VAT (except on thefees).

Sellers or prospective Purchasers may consider it prudent to instruct a reinspection and revaluationafter a period of 12 weeks (or sooner if appropriate) to reflect changing circumstances in the marketand/or in the physical condition of the Property.


2.6

2.7

There are rights of access and exit over all communal roadways, corridors, stairways etc. and touse communal grounds, parking areas, and other facilities;

There are no particularly troublesome or unusual legal restrictions;

There is no current dispute between the occupiers of the flats or any outstanding claims or losses;and the costs of repairs to the building are shared among the co-proprietors on an equitablebasis.

This section tells you about the type, accommodation, neighbourhood, age and construction of the property. It alsotells you about the extent of the inspection and highlights anything that the surveyor could not inspect.

All references to visual inspection refer to an inspection from within the property without moving any obstructionsand externally from ground level within the site and adjoining public areas. Any references to left or right in adescription of the exterior of the property refer to the view of someone standing facing that part of the property fromthe outside.

The inspection is carried out without causing damage to the building or its contents and without endangering theoccupiers or the surveyor. Heavy furniture, stored items and insulation are not moved. Unless identified in the reportthe surveyor will assume that no harmful or hazardous materials or techniques have been used in the construction.The presence or possible consequences of any site contamination will not be researched.

Services such as TV/cable connection, internet connection, swimming pools and other leisure facilities etc. will notbe inspected or reported on.

1. Information and scope of inspection

Page 1 of 15


Description

Accommodation

Gross internal floor area (m²)

Neighbourhood and location

Age

Weather

Chimney stacks

Roofing including roof space

Single Survey

A one and a half storey end terrace house.

Ground floor - hall, lounge, kitchen, bathroom (with shower, WC,WHB)

Upper floor - two bedrooms

87 square metres (external).

This property is located in the village of Balmacara which liesapproximately 3 miles by road from Kyle of Lochalsh which is theprincipal population centre in the area. It is located directlyopposite the Balmacara Hotel and within the vicinity is a post officeand general store.

This property appears to have been constructed approximately 40years ago.

Overcast and heavy rain.

Visually inspected with the aid of binoculars whereappropriate.

There are none.

Sloping roofs were visually inspected with the aid ofbinoculars where appropriate.

Flat roofs were visually inspected from vantage points withinthe property and where safe and reasonable to do so from a3m ladder externally.

Roof spaces were visually inspected and were entered wherethere was safe and reasonable access, normally defined asbeing from a 3m ladder within the property.

Page 2 of 15


Rainwater fittings

Main walls

Windows, external doors and joinery

External decorations

Conservatories / porches

Communal areas

Garages and permanent outbuildings

Single Survey

If this is not possible, then physical access to the roof spacemay be taken by other means if the Surveyor deems it safe andreasonable to do so.

The roof is ridged and tiled with timber frame roof space.


UPVC.


Foundations and concealed parts were not exposed orinspected.

Cavity block rendered and painted to rear with stone facing to front.

Internal and external doors were opened and closed wherekeys were available.

Random windows were opened and closed where possible.

Doors and windows were not forced open.

Timber frame single glazed units.

Visually inspected.

The rear and side elevation have been rendered and painted withcoursed stone walls to front.

Visually inspected.

There are none.

Circulation areas visually inspected.

The property is accessed via a communal drive which providesaccess to this and the other properties in this development.

Visually inspected.

Attached to the property but with no integral access is a one and ahalf storey store. It is suspected that this may have been used assome form of communal laundry room/general store when all eightproperties in this development were used for holiday lettingpurposes but understand this is now included with this propertyonly.

Page 3 of 15


Outside areas and boundaries

Ceilings

Internal walls

Floors including sub floors

Internal joinery and kitchen fittings

Chimney breasts and fireplaces

Internal decorations

Single Survey

Visually inspected.

The garden area to front is grassed and there would appear to be acommunal parking area to rear.

Visually inspected from floor level.

Lined.

Visually inspected from floor level.

Using a moisture meter, walls were randomly tested fordampness where considered appropriate.

Lined.

Surfaces of exposed floors were visually inspected. Nocarpets or floor coverings were lifted.

Sub-floor areas were inspected only to the extent visible froma readily accessible and unfixed hatch by way of an inverted"head and shoulders" inspection at the access point.

Physical access to the sub floor area may be taken if theSurveyor deems it is safe and reasonable to do so, and subjectto a minimum clearance of 1m between the underside of floorjoists and the solum as determined from the access hatch.

Flooring at ground floor level would appear to be concrete withoverlay and that at upper floor is of suspended timber design.

Built-in cupboards were looked into but no stored items weremoved.

Kitchen units were visually inspected excluding appliances.

Painted/varnished internal joinery. Fitted units in kitchen.

Visually inspected.

No testing of the flues or fittings was carried out.

There are none.

Visually inspected.

Walls are generally painted.

Page 4 of 15


Cellars

Electricity

Gas

Water, plumbing, bathroom fittings

Heating and hot water

Drainage

Fire, smoke and burglar alarms

Single Survey

Visually inspected where there was a safe and purpose-builtaccess.

There are none.

Accessible parts of the wiring were visually inspected withoutremoving fittings. No tests whatsoever were carried out to thesystem or appliances. Visual inspection does not assess anyservices to make sure they work properly and efficiently andmeet modern standards. If any services are turned off, thesurveyor will state that in the report and will not turn them on.

Mains electricity.

Accessible parts of the system were visually inspected withoutremoving fittings. No tests whatsoever were carried out to thesystem or appliances. Visual inspection does not assess anyservices to make sure they work properly and efficiently andmeet modern standards. If any services are turned off, thesurveyor will state that in the report and will not turn them on.

There is no mains gas available.

Visual inspection of the accessible pipework, water tanks,cylinders and fittings without removing any insulation.

No tests whatsoever were carried out to the system orappliances.

It is assumed that the property has mains water. Fitted bathroomsuite.

Accessible parts of the system were visually inspected apartfrom communal systems, which were not inspected.


Full electric central heating system.

Drainage covers etc. were not lifted.

Neither drains nor drainage systems were tested.

We understand that foul drainage is connected to the LocalAuthority system. Surface drainage is to soakaways.

Visually inspected.


There are none.

Page 5 of 15


Any additional limits to inspection

Single Survey

For flats / maisonettes

Only the subject flat and internal communal areas givingaccess to the flat were inspected.

If the roof space or under-building / basement is communal,reasonable and safe access is not always possible. If noinspection was possible, this will be stated. If no inspectionwas possible, the surveyor will assume that there are nodefects that will have a material effect on the valuation.

The building containing the flat, including any externalcommunal areas, was visually inspected only to the extent thatthe surveyor is able to give an opinion on the generalcondition and standard of maintenance.

This property was furnished with floor coverings and somefurnishings in-situ.

It is assumed that any/all internal glazing complies with the relevantsafety requirements.

The inspection of the loft space was restricted by the presence ofinsulation material.

Services were not tested.

No checks/tests have been carried out in relation to asbestos,contaminated land or naturally occurring gases.

We have not carried out an inspection for Japanese knotweed orother invasive plant species and unless stated for the purposes ofthis report we have assumed that there is no Japanese knotweedor other invasive plant species within the boundaries of the propertyor in neighbouring properties. The identification of Japaneseknotweed or other invasive plant species should be made by aSpecialist Contractor.

Page 6 of 15


Single Survey

This section identifies problems and tells you about the urgency of any repairs by using one of the following threecategories:

2. Condition

Page 7 of 15


Urgent repairs or replacement areneeded now. Failure to deal withthem may cause problems to otherparts of the property or cause asafety hazard. Estimates for repairsor replacement are needed now.

Repairs or replacement requiringfuture attention, but estimates arestill advised.

No immediate action or repair isneeded.

Structural movement

Repair category 1

No evidence of subsidence, heave or landslip identified within the property norare we aware of any such defects in neighbouring properties.

Notes

Dampness, rot and infestation

Repair category 1

The property would appear to have an effective Damp Proof Course and isgenerally free from rising and penetrating damp. There was evidence ofcondensation which we would attribute to the fact that the property does notappear to be permanently occupied.

Notes

Chimney stacks

Repair category -

Not applicable.Notes

Roofing including roof space

Repair category 3

Evidence of moss growth noted on roof covering. There was also a number ofridged tiles missing from the roof covering. This will allow water ingress whichcould potentially cause further damage to the property and repairs should beundertaken immediately.

Notes

Single Survey

Category 3 Category 2 Category 1

Page 8 of 15


Rainwater fittings

Repair category 2

These are blocked, they are leaking and require to be upgraded.Notes

Main walls

Repair category 1

No evidence of defect apparent.Notes

Windows, external doors and joinery

Repair category 2

These were weathered and mastic round windows would benefit from beingupgraded. We would highlight the fact that not all windows and doors are tested.

Notes

External decorations

Repair category 2

External walls were weathered and externally the property would benefit frombeing redecorated but given the fact that this property forms part of a terracecontaining four similarly styled properties if redecoration works are proposed itwould be preferable if they were done in conjunction with the three other ownersand in the same colour, style, etc.

Notes

Conservatories/porches

Repair category -


Communal areas

Repair category 2

The access driveway requires to be resurfaced and there are a number ofpotholes in it. In terms of the communal parking area whilst it is accepted thatthe property was inspected during a period of heavy rain site drainage in thisarea requires to be upgraded and consideration should also be given to havingspecific allocated spaces for each property.

Notes

Single Survey

Page 9 of 15


Garages and permanent outbuildings

Repair category 2

Evidence of water ingress noted. The electrical wiring system in the outbuildingshould be examined and tested as it is dated and may require to be upgraded tomeet relevant IET standards.

Notes

Outside areas and boundaries

Repair category 2

The earlier comments in terms of the communal parking area are highlighted. Inaddition the garden area was substantially overgrown and detracts from theoverall appearance of the property. `

Notes

Ceilings

Repair category 1

No evidence of defect.Notes

Internal walls

Repair category 1

No evidence of defect.Notes

Floors including sub-floors

Repair category 1

No evidence of defect noted albeit that our inspection of flooring was restricted bythe presence of fitted floor coverings.

Notes

Internal joinery and kitchen fittings

Repair category 2

Fitments within the kitchen are somewhat limited and dated. There was alsoimpact damage on one of the doors.

Notes

Chimney breasts and fireplaces

Repair category -


Single Survey

Page 10 of 15


Internal decorations

Repair category 2

The entire property requires redecoration.Notes

Cellars

Repair category -


Electricity

Repair category 2

Aspects of the electrical wiring system are mixed. A competent electrician shouldexamine and test the entire system and determine if any upgrading works arerequired to allow it to comply with relevant IET standards. It is also nowrecommended that all domestic wiring systems are examined and tested everyfifth year to ensure that they comply with such standards.

Notes

Gas

Repair category -


Water, plumbing and bathroom fittings

Repair category 2

The seal at the base of the shower requires to be upgraded. Whilst bathroomfitments appear to be broadly satisfactory for purpose they are dated and it islikely that if not immediately then within the foreseeable future that certainpurchasers may seek to replace/upgrade them.

Notes

Heating and hot water

Repair category 2

Whilst the heating system was not tested given the fact that the property appearsto have been vacant for some time it would be prudent to have a competentelectrician examine and test the heating system and this should be undertaken inconjunction with the examination of the wiring system.

Notes

Single Survey

Page 11 of 15


Drainage

Repair category 2

It is understood that foul drainage is to the Local Authority system. Surfacedrainage is to soakaways. In significant sections of external areas surfacedrainage is poor and requires to be upgraded, some of these repairs may becommunal but some are directly attributable to the subject property.

Notes

Single Survey

Set out below is a summary of the condition of the property which is provided for reference only. You should refer tothe previous comments for detailed information.

RememberThe cost of repairs may influence the amount someone is prepared to pay for the property. We recommend thatrelevant estimates and reports are obtained in your own name.

WarningIf left unattended, even for a relatively short period, Category 2 repairs can rapidly develop into more seriousCategory 3 repairs. The existence of Category 2 or Category 3 repairs may have an adverse effect on marketability,value and the sale price ultimately achieved for the property. This is particularly true during slow market conditionswhere the effect can be considerable.

Page 12 of 15


Single Survey

Urgent repairs or replacement areneeded now. Failure to deal withthem may cause problems to otherparts of the property or cause asafety hazard. Estimates for repairsor replacement are needed now.

Repairs or replacement requiringfuture attention, but estimates arestill advised.

No immediate action or repair isneeded.

Category 3

Category 2

Category 1

Structural movement 1

Dampness, rot and infestation 1

Chimney stacks -

Roofing including roof space 3

Rainwater fittings 2

Main walls 1

Windows, external doors and joinery 2

External decorations 2

Conservatories/porches -

Communal areas 2

Garages and permanent outbuildings 2

Outside areas and boundaries 2

Ceilings 1

Internal walls 1

Floors including sub-floors 1

Internal joinery and kitchen fittings 2

Chimney breasts and fireplaces -

Internal decorations 2

Cellars -

Electricity 2

Gas -

Water, plumbing and bathroom fittings 2

Heating and hot water 2

Drainage 2

Guidance notes on accessibility informationThree steps or fewer to a main entrance door of the property:In flatted developments the 'main entrance' would be the flat's own entrance door, not the external door to thecommunal stair. The 'three steps or fewer' are counted from external ground level to the flat's entrance door. Wherea lift is present, the count is based on the number of steps climbed when using the lift.

Unrestricted parking within 25 metres:For this purpose, 'Unrestricted parking' includes parking available by means of a parking permit. Restricted parkingincludes parking that is subject to parking restrictions, as indicated by the presence of solid yellow, red or white linesat the edge of the road or by a parking control sign, parking meters or other coin-operated machines.

3. Accessibility information

Page 13 of 15


1. Which floor(s) is the living accommodation on? Ground and first

2. Are there three steps or fewer to a main entrance door of the property?

3. Is there a lift to the main entrance door of the property?

4. Are all door openings greater than 750mm?

5. Is there a toilet on the same level as the living room and kitchen?

6. Is there a toilet on the same level as a bedroom?

7. Are all rooms on the same level with no internal steps or stairs?

8. Is there unrestricted parking within 25 metres of an entrance door to the building?

Single Survey

X

X

X

X

X

X

X

Yes No

Yes No

Yes No

Yes No

Yes No

Yes No

Yes No

This section highlights information that should be checked with a solicitor or licensed conveyancer. It also gives anopinion of market value and an estimated reinstatement cost for insurance purposes.

4. Valuation and conveyancer issues

Page 14 of 15


The Solicitor should confirm the following. That boundary fences present at the time of our inspection adequatelyreflect the titular area of the property. It is essential that this is done by virtue of there being the possibility thatthe front garden fence is in the incorrect position and the actual boundary runs approximately one metre directlyoff the front elevation of the property. If that is the case that could clearly could have an impact on the value ofthe property because one of the attributes of the property is the fact that it enjoys seaward views but if theseviews were taken away by virtue of it not having a front garden area then that would have a detrimental effect onvalue. The Solicitor to confirm that there are no town planning, road widening or any other proposals which inanyway would adversely affect an individuals enjoyment of this property. There are a number of communal areasassociated with this property, principally the access and the shared parking. The Solicitor to clearly identify thecommunal areas and ensure that this property and all other properties in this development bear a pro rata shareof all common repair liabilities, that there is adequate means of ensuring that these repairs are undertaken andthat there is adequate means of ensuring that all parties have a legally binding obligation to meet theirresponsibility for common repairs. The Solicitor to confirm that the property is to be sold with vacant possessionon the basis of absolute ownership. We assume a clear Property Enquiry Certificate shall be provided in duecourse and that the property has a clear Title. We further assume that any necessary statutory consent for theproperty in its current state is in place. If this is not the case then these should be referred back to the surveyor.If any works did not receive consent then it has been assumed they meet the standards required by the BuildingRegulations or are exempt. The Solicitor must also ensure that any prospective purchaser fully understands thenature, criteria and basis of a Home Report and in particular what a Home Report is and what it is not, and thisshould be done before any prospective purchaser makes an offer for this property based on the content of thisreport. If the Solicitor or purchaser requires any clarification in relation to this, they must contact the Surveyor orfamiliarise themselves with the nature and criteria of this type of report.

It is recommended that the subjects be insured for a sum of not less than £162,500 (One hundred and sixty twothousand and five hundred pounds).

The market value of the property as described in this report is £115,000 (One hundred and fifteen thousandpounds).

This valuation assumes that boundary fences present at the time of our inspection are an accurate reflection ofthe titular area of the property. If boundary fences at front elevation are incorrectly placed and if the boundary isin actual fact closer to the front elevation then this valuation will require to be reviewed.

Signed

Report author

Single Survey

Matters for a solicitor or licensed conveyancer

Estimated reinstatement cost for insurance purposes

Valuation and market comments

Security Print Code [588751 = 3218 ]Electronically signed

Iain M Lewis

Page 15 of 15


Company name

Address

Date of report

Single Survey

Torrance Partnership

Somerled Square, Portree, Isle Of Skye, IV51 9EH

18th July 2019

Permanent outbuildings:

Attached to the property is a store.

© Quest End Computer Services Limited 2008All rights reserved

Page 1 of 4


Property Address

Address THE STABLES, 1, BALMACARA, KYLE, IV40 8DHSeller's Name M Curran, M Macphee & J MacpheeDate of Inspection 9th July 2019

Property Details

Property Type

Property Style

Does the surveyor believe that the property was built for the public sector,e.g. local authority, military, police?

Flats/Maisonettes only Floor(s) on which located No. of floors in blockNo. of units in block

Approximate Year of Construction 1980

Tenure

Ground rent £ Unexpired years

Accommodation

Number of Rooms

Gross Floor Area (excluding garages and outbuildings)

Residential Element (greater than 40%)

Garage / Parking / Outbuildings

Available on site?

Mortgage Valuation Report

Lift provided?

X Absolute Ownership Leasehold

X House Bungalow Purpose built maisonette Converted maisonette

Purpose built flat Converted flat Tenement flat Flat over non-residential useOther (specify in General Remarks)

Detached Semi detached Mid terrace X End terrace

Back to back High rise block Low rise block Other (specify in General Remarks)

Yes X No

Yes No

1 Living room(s) 2 Bedroom(s) 1 Kitchen(s)

1 Bathroom(s) 0 WC(s) 0 Other (Specify in General remarks)

m² (Internal) 87 m² (External)

X Yes No

Single garage Double garage X Parking space No garage / garage space / parking spaceX Yes No

Based on visual inspection only. If any services appear to be non-mains, please comment on the type and locationof the supply in General Remarks.

Brief description of Central Heating:

Apparent legal issues to be verified by the conveyancer. Please provide a brief description in General Remarks.

Full electric.


Page 2 of 4


Construction

Walls

Roof

Special Risks

Has the property suffered structural movement?

If Yes, is this recent or progressive?

Is there evidence, history, or reason to anticipate subsidence, heave, landslip or flood in theimmediate vicinity?

If Yes to any of the above, provide details in General Remarks.

Service Connections

Drainage Water

Electricity Gas

Central Heating

Site

Location

Planning Issues

Has the property been extended / converted / altered?

If Yes provide details in General Remarks.

Roads


X Rights of way X Shared drives / access Garage or other amenities on separate site Shared service connections

X Ill-defined boundaries Agricultural land included with property Other (specify in General Remarks)

Residential suburb Residential within town / city Mixed residential / commercial Mainly commercial

X Commuter village Remote village Isolated rural property Other (specify in General Remarks)

Made up road Unmade road Partly completed new road Pedestrian access only Adopted X Unadopted

X Brick Stone Concrete Timber frame Other (specify in General Remarks)

X Tile Slate Asphalt Felt Other (specify in General Remarks)

Yes X No

Yes No

Yes X No

X Mains Private None X Mains Private None

X Mains Private None Mains Private X None

X Yes Partial None

Yes X No

A one and a half storey end terrace property that does require upgrading works both internally and externally.External timber work is weathered. Site drainage is poor. Internally aspects of the electrical wiring system aremixed. Kitchen and bathroom fitments are dated. Internal redecoration required. There are also aspects of thetitle area that require to be clarified.

This is a brief summary of the Single Survey which contains additional and more detailed information on theproperty and which must be read and considered carefully before any individual commits themselves topurchasing the property.

There are none.


Page 3 of 4


General Remarks

Essential Repairs

Estimated cost of essential repairs £ 0 Retention recommended? Amount £ 0


Yes X No

The decision to lend on a particular property or to a particular individual rests solely with the lender and as such itis beyond the scope of this report to advise whether or not a lender would advance funds against this particularproperty. Notwithstanding this, in our experience, properties of this type have in the past been deemed suitablefor mortgage lending purposes.

Notwithstanding this it is likely that before any lender will advance funds against this property that they will requirethe precise titular area of this building to be clarified. They would also want to ensure that this property hasrelevant planning consent for permanent/residential use as opposed to its original use as holiday lettingpurposes.

(to include the cost of total rebuilding, site clearance, professional fees, ancillary charges plus VAT)

month Short Assured Tenancy basis?


Page 4 of 4


Comment on Mortgageability

Valuations

Market value in present condition £ 115,000

Market value on completion of essential repairs £ 115,000

Insurance reinstatement value £ 162,500

Is a reinspection necessary?

Buy To Let Cases

What is the reasonable range of monthly rental income for the property assuming a letting on a 6 £

Is the property in an area where there is a steady demand for rented accommodation of this type?

Declaration

Signed Security Print Code [588751 = 3218 ]Electronically signed by:-

Surveyor's name Iain M Lewis

Professional qualifications BSc MRICS

Company name Torrance Partnership

Address Somerled Square, Portree, Isle Of Skye, IV51 9EH

Telephone 01478 612659

Fax 01478 612831

Report date 18th July 2019


Yes X No

Yes No

Sellers Property Questionnaire

Somerled Square

Portree Isle of Skye

IV51 9EH

Telephone: 01478 612659

Date post:	27-Jun-2020
Category:	Documents
Upload:	others
View:	0 times
Download:	0 times