New online service – You can now open new savings accounts and view your branch account and mortgage via our online service.

About our fees

Valuation Fees

Where a product states it offers a free valuation, we will pay for a standard mortgage valuation only, provided our nominated valuer is used. Where a product states ‘assistance with legal fees’ we will pay for standard remortgage work only, provided our nominated solicitor is used.

The below table outlines the valuation fees which may be payable. In addition we are able to offer full buildings surveys upon request, subject to coverage by our nominated valuer.

Standard mortgage valuation: this is solely for the Society to assess whether the property provides adequate security for the mortgage loan. It is not a survey and it is not based on a detailed examination of the structure, so you should not assume that there are no defects in the property besides those (if any) mentioned. It is for you to satisfy yourself as to the condition of the property and that it is good value for money. The fact that the Society grants a loan will not imply any warranty that the price you are paying is reasonable. You should consider, and discuss with your solicitors, whether to have a further inspection or survey carried out. Without advice of that nature you will be taking the risk yourself of any defect or matters adversely affecting the value of the property. Neither the Society nor the Society’s valuer will accept any liability to you for the contents or accuracy of the Valuation Report (even if the Valuer is negligent in relation to the Report).

Homebuyers report: if you require a more detailed examination of the property the Society can ask the Valuer to carry out for you the RICS (Royal Institution of Chartered Surveyors) Homebuyer’s Report. This covers an inspection of the parts of the property which are readily visible or accessible and includes the surveyor’s opinion of the open market value of the property. The Report describes the condition of the property. Any major defects are listed in general terms with recommendations. The surveyor examines the roof space if there is an easily accessible hatch. They cannot inspect flooring if it is covered by furniture, fitted carpets, etc. Whilst the surveyor looks at the electrical wiring and lifts the drain covers, they do not test either of them. If you require such a Report the Society will still need its own Valuation Report, but if the two inspections are carried out at the same time, the fee for the Homebuyer’s Report will include this.

Building survey: Neither of the Reports referred to above is a full building survey. A building survey is a very detailed inspection of the property and provides a comprehensive report on its condition, describing in detail any defects. There is no standard scale of charges and the actual cost is subject to negotiation with the surveyor. If you wish to have a building survey, the Society can put you in touch with a qualified surveyor.

Our Property Valuation Fees:


Purchase Price / Estimated Value
(not exceeding)

Standard Mortgage Valuation ReportStandard Remortgage Valuation ReportHomebuyers Report (if carried out at same time as Valuation Report)
Up to £50,000£80£135£230
Up to £100,000£115£135£305
Up to £150,000£125£135£365
Up to £200,000£160£135£420
Up to £250,000£180£135£475
Up to £300,000£200£135£525
Up to £350,000£240£135£575
Up to £400,000£270£135£615
Up to £450,000£290£135£660
Up to £500,000£315£135£775
Up to £600,000£370£225£865
Up to £700,000£430£225£1,005
Up to £800,000£495£225£1,145
Up to £900,000£550£225£1,285
Up to £1,000,000£610£225£1,425
Up to £1,200,000£730£730£1,675
Up to £1,400,000£850£850£1,925
Up to £1,600,000£970£970£2,175
Up to £1,800,000£1,095£1,095£2,425
Up to £2,000,000£1,210£1,210£2,675
Up to £2,500,000£1,400£1,400£2,900
Up to £3,000,000£1,600£1,600£3,200
Up to £3,500,000£1,800£1,800£3,500
Up to £4,000,000£2,000£2,000£3,800
Up to £4,500,000£2,200£2,200£4,100
Up to £5,000,000£2,400£2,400£4,300


Your browser is out-of-date.

Welcome to our new website. This site is not fully supported in Internet Explorer.
Please download one of the browsers below to continue using this website.

  • Google Chrome
  • Microsoft Edge