In Scotland, sellers must have a Home Report before they can present their property to the market. A Home Report provides potential buyers with objective information on the condition of the property for sale. We are a major provider of Home Reports, so if you are thinking of selling your home, get in touch with one of our offices.

So what is involved in producing a Home Report?

It must be prepared by a qualified surveyor registered with RICS and contains the following elements:

1. Property Questionnaire

This is completed by the seller or their agent and asks about the present ownership of the property.

2. Single Survey

An assessment of the property’s condition, carried out by a RICS registered Surveyor. Repair work will be categorised on a scale of 1-3 which are:

Category 1. no immediate action or repair is needed

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

Category 3. urgent repairs or replacement are needed now.

3. EPC – Energy Performance Certificate

An assessment of the energy efficiency of property and recommendations to improve thermal value.

With the sellers consent, all DM Hall Home Reports include a generic Mortgage Valuation Report (MVR). This is not mandatory, however at DM Hall we believe this is the necessary bridge which allows the purchaser's lender to use information extracted from the Home Report when providing mortgage funds.

We believe that there are four key points to consider before instructing a Home Report:

Is your Surveyor on your lender’s panel?

Reports by recognised professional surveyors are trusted and accepted by lenders. We are proud to say that our Home Reports are readily accepted by lenders.

Is your Surveyor local?

Local knowledge is vital and your surveyor should have strong knowledge of local market conditions. With 25 offices across Scotland, we are ideally placed to offer local knowledge and expert advice on properties.

Does the price reflect the quality of your Home Report?

More often than not, a cheap home report will not come with a mortgage valuation report, leaving lenders to take their own advice. This introduces uncertainty and unnecessary delay for the seller. Our prices are competitive, with no hidden charges, reflecting the quality of our trusted reports.

Is your Surveyor a trusted, reliable name in the industry?

Our strong relationships with estate agents and solicitors allows them to be confident with our experience, reliability and professional advice.


One of the regular concerns we hear about the Home Report is that it needs to be replaced after three months of marketing the property. We are more than happy to dispel this. The legislation for the Home Report does not impose a set shelf life or validity period. However, lenders do require a revaluation if the Home Report is older than three months. Importantly though, it is only required at the time of the sale – not every three months that the property is on the market.


Each property is unique - even your neighbour’s! Valuations will vary depending on location, size, style, condition, enhancements etc meaning variations will often occur for good reason.

Maintaining your property will have a significant bearing on your Home Report.

Our trained surveyors identify issues regularly that if managed effectively can be the difference between scoring a one or a three in the Single Survey – a key component of the Home Report.

Here are somethings to consider prior to putting your property on the market.

  • Repair damaged rain water goods
  • Replace loose/broken slates
  • Check flat roofs for damage and leakage
  • Is the property's rendering in good condition?
  • Is your window, door, and eave joinery in good order?
  • Do you have an electrical test certificate?
  • Has your boiler been serviced within the last 12 months?
  • Is the property presentable?

If the property requires a significant amount of upgrading, any purchaser may have money held back from their mortgage to encourage the repair of any defects which affect the market value of the property. This may delay or discourage a prospective purchaser.



Prominent retailing position within Saltcoats Town Centre
Long trading history as a newsagents
Open plan retail sales area with rear workshop
Net internal area 229 sq.m (2,465 sq.ft)
Offers over £110,000 are invited


10 Hamilton Street is a large shop unit contained over the
ground floor of a category C listed two storey and attic
townhouse building of traditional construction. The property
has been extended towards the rear into a more modern
single store projection.

The shop has double fronted display windows on to Hamilton
Street and is generally open plan with a series of ancillary
rooms towards the rear including a staff room, store and toilet
as well as a workshop property, which has direct access on to
Park Road and potential for independent use.

The property extends to a net internal floor area of 229 sq.m
(2,465 sq.ft), or thereby.

The rateable value is £13,400 and the property qualifies for
100% rates relief through the Small Business Bonus Scheme,
subject to occupier status.

Offers over £110,000 are invited for our client’s heritable
interest in the property, exclusive of VAT (if applicable).

Available upon request.

Each party to be responsible for their own legal costs incurred.

Property Location

Hamilton Street is a busy thoroughfare within Saltcoats Town
Centre and one of the main commercial and retail destinations
in the town, with the subject property occupying a prominent
position a short distance west from Dockhead Street, the
main retailing location within the town.

Saltcoats is located within the North Ayrshire region and forms
part of the ‘Three Towns’ area incorporating Stevenston and
Ardrossan, having a combined population of around 35,000
persons. The main bus routes through the town and Saltcoats
railway station with its regular services to Largs and Glasgow
are located nearby.

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