Jakub (CEng MICE)
Leighton Buzzard
Structural Report for Mortgage Approval
Report
Completed
Situation
Anna and Anna found their perfect home in Leighton Buzzard. Everything was moving forward until the mortgage surveyor flagged visible cracks in the walls, causing the lender to temporarily postpone the mortgage due to a suspected risk of subsidence.
The threat of subsidence can stop a house sale in its tracks. James and Anna were stuck in limbo, they could not get the mortgage without a professional structural engineer’s report to prove the house was safe. They needed an expert to provide the lender with the facts
Challenge
The suspected risk of subsidence meant the mortgage lender paused the application. Without expert verification, Anna and James were unable to proceed with the purchase and risked losing their dream home.
They needed:
- A fast response
- A clear professional opinion
- A lender-compliant structural report
Our Approach
The Rivet Solution: From “Postponed” to “Purchased”
We acted quickly to provide the evidence needed to get the mortgage back on track:
- Expert Consultation: We started with a free 15-minute consultation to understand the surveyor’s concerns and ensure we could provide exactly what the lender needed.
- Professional Coordination: To make things easier for James and Anna, we coordinated the site visit directly with the estate agent.
- Site Inspection: Jakub from Rivet Engineering carried out a detailed structural inspection, looking at the cracks from both the inside and outside of the property.
- Immediate Feedback: As soon as the inspection was finished, we spoke with James and Anna to share our initial findings and explain the next steps.
- The Lender-Ready Report: We issued a formal structural report that addressed the subsidence concerns and provided clear recommendations.
Outcome
James and Anna submitted our report to their lender, and the mortgage was immediately approved. They have since moved into their new home and are happily planning for the future.
Concerned About Cracks Affecting Your Mortgage?
When a mortgage survey highlights issues such as cracks or suspected structural movement, lenders will often pause the application until further investigation is carried out.
In these situations, a professional structural engineer’s report is required to provide clarity and reassurance. We specialise in delivering clear, reliable structural reports that address lender concerns and help move your mortgage application forward.
Our reports are prepared in line with lender expectations and are widely accepted, giving you the confidence and documentation needed to proceed without unnecessary delays.
