croftbain cottage tomnavoulin, ballindalloch, ab37 9jl · further information about roof insulation...

HOME REPORT

CROFTBAIN COTTAGE TOMNAVOULIN

BALLINDALLOCHAB37 9JL

ENERGYPERFORMANCE

CERTIFICATE

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

ScotlandCROFTBAIN FARM, TOMNAVOULIN, BALLINDALLOCH, AB37 9JL

Dwelling type: Detached bungalowDate of assessment: 07 December 2018Date of certificate: 11 December 2018Total floor area: 91 m2

Primary Energy Indicator: 461 kWh/m2/year

Reference number: 9160-2183-6020-9808-7235Type of assessment: RdSAP, existing dwellingApproved Organisation: ElmhurstMain heating and fuel: Boiler and radiators, oil

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* £5,445

Over 3 years you could save* £2,376

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

97A(92 plus)

B(81-91)

C(69-80)

D(55-68)

E(39-54

38F(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 (38). 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

93A(92 plus)

B(81-91)

C(69-80)

D(55-68)

40E(39-54

F(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 E (40). 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 Flat roof or sloping ceiling insulation £850 - £1,500 £279.00

2 Internal or external wall insulation £4,000 - £14,000 £1215.00

3 Floor insulation (suspended floor) £800 - £1,200 £198.00

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.

of 6Elmhurst Energy Systems RdSAP Calculator v3.08r07 (SAP 9.93)

Recommendations ReportCROFTBAIN FARM, TOMNAVOULIN, BALLINDALLOCH, AB37 9JL11 December 2018 RRN: 9160-2183-6020-9808-7235

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 Granite or whinstone, as built, no insulation(assumed)Solid brick, as built, no insulation (assumed)Solid brick, as built, insulated (assumed)

Roof Pitched, 270 mm loft insulationFlat, limited insulation (assumed)Flat, insulated (assumed)

Floor Solid, no insulation (assumed)Suspended, no insulation (assumed)Solid, insulated (assumed)

Windows Fully double glazed

Main heating Boiler and radiators, oilRoom heaters, electric

Main heating controls Programmer, room thermostat and TRVsProgrammer and appliance thermostats

Secondary heating Room heaters, wood logs

Hot water From main system

Lighting Low energy lighting in 75% of 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 95 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 8.6 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 6.5 tonnes per year. You could reduce emissions even more byswitching to renewable energy sources.

of 6


Estimated energy costs for this home

Current energy costs Potential energy costs

Heating £4,926 over 3 years £2,631 over 3 years

Hot water £282 over 3 years £201 over 3 years

Lighting £237 over 3 years £237 over 3 years

Totals £5,445 £3,069

You couldsave £2,376 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 E 42

D 55 E 54

D 57 D 56

D 61 D 59

D 63 D 62

D 65 D 65

D 67 D 66

C 76 C 75

A 97 A 93

1 Flat roof or sloping ceiling insulation £850 - £1,500 £93

2 Internal or external wall insulation £4,000 - £14,000 £405

3 Floor insulation (suspended floor) £800 - £1,200 £66

4 Floor insulation (solid floor) £4,000 - £6,000 £94

5 Solar water heating £4,000 - £6,000 £27

6 Replacement glazing units £1,000 - £1,400 £72

7 High performance external doors £1,500 £35

8 Solar photovoltaic panels, 2.5 kWp £5,000 - £8,000 £254

9 Wind turbine £15,000 - £25,000 £592

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.

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 Flat roof or sloping ceiling insulationInsulating a flat roof or sloping ceiling will significantly reduce heat loss through the roof; this will improve levelsof comfort, reduce energy use and lower fuel bills. Insulation can be placed on top of the roof under thewaterproof membrane and should particularly be considered when the waterproofing needs to be replaced.Further information about roof insulation and details of local contractors can be obtained from the NationalInsulation Association (www.nationalinsulationassociation.org.uk). Building regulations generally apply to thiswork so it is best to check with your local authority building standards department.

2 Internal or external wall insulationInternal or external wall insulation involves adding a layer of insulation to either the inside or the outside surfaceof the external walls, which reduces heat loss and lowers fuel bills. As it is more expensive than cavity wallinsulation it is only recommended for walls without a cavity, or where for technical reasons a cavity cannot befilled. Internal insulation, known as dry-lining, is where a layer of insulation is fixed to the inside surface ofexternal walls; this type of insulation is best applied when rooms require redecorating. External solid wallinsulation is the application of an insulant and a weather-protective finish to the outside of the wall. This mayimprove the look of the home, particularly where existing brickwork or rendering is poor, and will provide long-lasting weather protection. Further information can be obtained from the National Insulation Association(www.nationalinsulationassociation.org.uk). It should be noted that a building warrant is required for theinstallation of external wall insulation. Planning permission may also be required and that building regulationsapply to external insulation so it is best to check with your local authority on both issues.

3 Floor insulation (suspended floor)Insulation of a floor will significantly reduce heat loss; this will improve levels of comfort, reduce energy use andlower fuel bills. Suspended floors can often be insulated from below but must have adequate ventilation toprevent dampness; seek advice about this if unsure. Further information about floor insulation is available frommany sources including www.energysavingtrust.org.uk/scotland/Insulation/Floor-insulation. Building regulationsgenerally apply to this work so it is best to check with your local authority building standards department.

4 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.

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 Replacement glazing unitsReplacing existing double-glazed units with new high-performance units. Building regulations require thatreplacement glazing is to a standard no worse than previous; a building warrant is not required. Planningpermission might be required for such work if a building is listed or within a conservation area so it is best tocheck with your local authority.

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.

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:

Biomass secondary heating


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) 22,064 N/A N/A (5,462)

Water heating (kWh per year) 2,191

AddendumThis dwelling has stone walls and so requires further investigation to establish whether these walls are of cavityconstruction and to determine which type of wall insulation is best suited.

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. David CruickshankAssessor membership number: EES/012072Company name/trading name: D M Hall Chartered Surveyors LLPAddress: 17 Corstorphine Road

EdinburghEH12 6DD

Phone number: 0131 477 6006Email 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.

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.

SINGLESURVEY

survey report on:

CROFTBAIN COTTAGE TOMNAVOULIN,BALLINDALLOCH, AB37 9JL7th December 2018 HP571119

CROFTBAIN COTTAGE TOMNAVOULINBALLINDALLOCHAB37 9JL

Mr Alex Smith

Croftbain CottageTomnavoulinBallindallochAB37 9JL

DM Hall LLP

7th December 2018

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

An extended detached cottage.

GROUND FLOOR: Hall, living room, two bedrooms, kitchen/diningroom and bathroom/wc.

90 square metres approximately.

The property is situated within a rural area, limited local amenitiesand facilities are available within Tomintoul village.

120 years.

It was overcast with poor light at the time of inspection after aperiod of unsettled weather.

Visually inspected with the aid of binoculars whereappropriate.

Chimneys are of pointed and painted stone. Flashings are ofsand/cement.

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.

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.

of 15


Rainwater fittings

Main walls

Windows, external doors and joinery

External decorations

Conservatories / porches

Single Survey

The main roof is pitched and slated with clay tiles along the centralridge line. Flashings are the gable ends are of sand/cement.

The extensions have flat roofs which are clad with a rubbermembrane and have a chipped finish.

A limited 'head and shoulders' inspection of the roof space wascarried out from a small hatch in the hall ceiling. It is evident thatthe roof is timber framed with timber sarking beneath the slates.Glasswool insulation has been laid between and over the joists.


Rainwater fittings comprise half round gutters and round downpipesin PVC.


Foundations and concealed parts were not exposed orinspected.

The main outer walls are of a solid stone with a pointed and paintedfinish.

The extensions would appear to be of solid concrete blockconstruction with a rendered and painted finish externally.

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.

WINDOWS: Windows comprise of uPVC framed double glazedcasements.

EXTERNAL DOORS: The external doors are of uPVC andincorporate double glazed sections.

OTHER JOINERY: The fascias and soffits at the extension eavesare in softwood.

Visually inspected.

External walls and woodwork are painted.

Visually inspected.

There are no conservatories or porches.

of 15


Communal areas

Garages and permanent outbuildings

Outside areas and boundaries

Ceilings

Internal walls

Floors including sub floors

Single Survey

Circulation areas visually inspected.

There are no communal areas.

Visually inspected.

There an attached double garage which is of wooden constructionunder a profiled sheet steel roof.

There is an attached storage shed which is of wooden and stoneconstruction under a pitched corrugated asbestos cement sheetedroof.

The external joinery works for both the shed and garage arewooden. Both structures have electric light and power.

Visually inspected.

The owner has advised that the private garden which bounds thehouse on four sides extends to approximately 1 acre in total. It isbounded by post and wire fences. The majority of the garden islaid out to lawn. The area immediately behind the house is at ahigher level which is held back by a stone retaining wall. There area few mature trees immediately to the rear of the house andoutbuildings.

Visually inspected from floor level.

Ceilings are lined a mixture of lath and plaster and plasterboard.

Visually inspected from floor level.

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

Internal walls are lined with a mixture of lath and plaster andplasterboard.

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 throughout the property comprises a mixture of solidconcrete and suspended timber. The timber floors are assumed tobe overlaid with tongue and groove boarding or equivalentmaterial.

of 15


Internal joinery and kitchen fittings

Chimney breasts and fireplaces

Internal decorations

Cellars

Electricity

Gas

Single Survey

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

Kitchen units were visually inspected excluding appliances.

KITCHEN: The kitchen is fitted with a range of laminated cabinetsand worktops.

DOORS: There are wooden panel doors some of which containglazed sections.

OTHER JOINERY FINISHES: Other joinery finishes are in softwoodwith a painted finish.

Visually inspected.

No testing of the flues or fittings was carried out.

There is a chimney breast within the living roof with insert woodburning stove. It sits on a raised slate hearth.

Visually inspected.

Walls and ceilings are mainly painted and papered.

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

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.

There is mains electricity supply. The meter and consumer unitsare located within a cupboard in the hall. Wiring, where visible isPVC sheathed and 13amp sockets have been installed throughoutthe property.

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 connected mains gas supply.

of 15


Water, plumbing, bathroom fittings

Heating and hot water

Drainage

Fire, smoke and burglar alarms

Any additional limits to inspection

Single Survey

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.

There is a shared private water supply. Water filters are locatedbelow the sink in the kitchen. Plumbing, where visible is in copperand plastic. There is composite sink within the kitchen. Thebathroom comprises four white fittings with a wall mounted mixershower within the shower compartment.

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


There is oil fired central heating working from an externally locatedcombination boiler. The boiler provides instantaneous hot water aswell as central heating various steel panelled radiators which aredistributed throughout the property.

There is a PVC oil tank which is concealed within the wooden shed,which is used to store wood for the solid fuel stove.

Drainage covers etc. were not lifted.

Neither drains nor drainage systems were tested.

Drainage is to a private septic tank within the grounds.

Visually inspected.


Smoke detectors are mounted on the hall and living room ceilings.

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.

At the time of inspection the property was occupied, fully furnishedwith all floors covered. My inspection of the roof space wasrestricted to a 'head and shoulders' inspection from the hatch. The

of 15


Single Survey

roof space was thickly insulated. The sub-floor area was notaccessed.

On visually inspecting the property I have not disturbed insulation inaccordance with Health and Safety Guidelines while furniture,personal effects (particularly in cupboards) and floor coveringshave not been moved.

I have not carried out an inspection for Japanese Knotweed andunless otherwise stated for the purposes of this report I haveassumed that there is no Japanese Knotweed within the boundariesof the property or in neighbouring properties.

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 8 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 recent or continuing movement was noted.Notes

Dampness, rot and infestation

Repair category 2

Slight dampness was noted on wooden surfaces within the larger bedroom presscupboard. There is some dampness and staining on sarking boards within theloft.

There is evidence of past woodworm infestation within the loft, the owner hasadvised that this was treated many years ago under guarantee.

Notes

Chimney stacks

Repair category 1

No defects evident from a ground level inspection.Notes

Roofing including roof space

Repair category 2

The roof is an older structure, it sags towards to centre and is somewhat uneven.There are some broken and uneven slates. There was no evidence of under feltas an additional barrier to water penetration. There is some damp staining withinthe roof space. Due to its age it will require careful and regular maintenance toensure it remains adequately serviceable. A roofing contractor can advise.

The extensions have flat roofs which are clad with a rubber membrane finish.The finish appears to be somewhat uneven and distorted around the edges of flatroofed section.

Notes

Single Survey

Category 3 Category 2 Category 1

of 15


Rainwater fittings

Repair category 1

Gutters are slightly uneven. There is a broken fixing bracket.Notes

Main walls

Repair category 1

No reportable defects noted.Notes

Windows, external doors and joinery

Repair category 1


External decorations

Repair category 1


Conservatories/porches

Repair category -

Not applicable.Notes

Communal areas

Repair category -


Garages and permanent outbuildings

Repair category 2

The storage shed is old and is in a fair state of repair taking into account its ageand construction. There are some timber defects.

It has an asbestos cement sheeted roof. Whilst this material remains undisturbedand in good condition, the current informed view is that it will present nosignificant hazard to health. In the event of damage or disturbance potentiallysignificant costs to have it safely removed may be anticipated.

Notes

Single Survey

of 15


Outside areas and boundaries

Repair category 1

There are some trees at the rear of the house and outbuildings which arerelatively large - they will require to be adequately maintained to ensure thepresent no threat to the structures.

Notes

Ceilings

Repair category 1

There is some uneveness and visible joints.Notes

Internal walls

Repair category 1

There are some uneven roughly finished sections.Notes

Floors including sub-floors

Repair category 1


Internal joinery and kitchen fittings

Repair category 1

No reportable defects noted. It is not known whether the glazed internal doorsare fitted with safety glass.

Notes

Chimney breasts and fireplaces

Repair category 1

The solid fuel stove has cracked glass.Notes

Internal decorations

Repair category 1

External décor is slightly uneven and marked in places.Notes

Single Survey

of 15


Cellars

Repair category -


Electricity

Repair category 1

No visible defects identified.Notes

Gas

Repair category -


Water, plumbing and bathroom fittings

Repair category 1

No evidence of leakage was noted from the plumbing.Notes

Heating and hot water

Repair category 2

No visible defects identified. Annual central heating checks should ensure safeand efficient usage.

The oil storage tank is housed within a wooden structure which is a recognisedfire hazard, consideration can be given to relocating either the shed or the tank.

Notes

Drainage

Repair category 1

No evidence of surface chokage was noted.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 2

Chimney stacks 1

Roofing including roof space 2

Rainwater fittings 1

Main walls 1

Windows, external doors and joinery 1

External decorations 1

Conservatories/porches -

Communal areas -

Garages and permanent outbuildings 2

Outside areas and boundaries 1

Ceilings 1

Internal walls 1

Floors including sub-floors 1

Internal joinery and kitchen fittings 1

Chimney breasts and fireplaces 1

Internal decorations 1

Cellars -

Electricity 1

Gas -

Water, plumbing and bathroom fittings 1

Heating and hot water 2

Drainage 1

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

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


Alterations have been carried out to construct the existing kitchen extension and more recently Velux windowshave been inserted in the rear pitch of the roof. The garage has also been recently constructed. The reportassumes all necessary Local Authority and other consents were obtained for the alterations and that theappropriate documentation, including Building Warrants and Completion Certificate issued. If any works do notrequire consent then it has been assumed they meet the standards required by the Building Regulations or areexempt.

The valuation of the property is inclusive of an area of private garden ground which bounds the house on foursides and is understood to extend to approximately 1 acre in total. It is bounded by post and wire fences. Thelocation and ownership of the boundaries should be confirmed from the title.

The owner has advised that water is from a shared private supply. It is not possible to comment on the legalissues or the quality or quantity of the supply. For the purposes of the report, all are assumed to be satisfactory.

The owner has advised that drainage is to a private septic tank within the grounds. The system has not beeninspected and condition, legal and environmental issues have not been investigated. For the purposes of thereport, all are assumed to be satisfactory.

£225,000.

£195,000 (One hundred and ninety five thousand pounds)

There has been some revival on the residential market during the last few years with houses selling more readily.

Signed

Report author

Company name

Address

Single Survey

Matters for a solicitor or licensed conveyancer

Estimated reinstatement cost for insurance purposes

Valuation and market comments

Security Print Code [445997 = 6818 ]Electronically signed

David Cruickshank

DM Hall LLP

27 High Street, Elgin, IV30 1EE

of 15


Date of report

Single Survey

13th December 2018

Permanent outbuildings:

Wooden storage shed under a corrugated asbestos cement sheeted roof.

© Quest End Computer Services Limited 2008All rights reserved

Page 1 of 4


Property Address

Address CROFTBAIN COTTAGE TOMNAVOULIN, BALLINDALLOCH, AB37 9JLSeller's Name Mr Alex SmithDate of Inspection 7th December 2018

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 1900

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

House X Bungalow Purpose built maisonette Converted maisonette

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

X Detached Semi detached Mid terrace 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) WC(s) Other (Specify in General remarks)

90 m² (Internal) m² (External)

X Yes No

Single garage X Double garage 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.

Oil fired radiator heating with a wall hung electric heater in the kitchen/dining room.


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


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

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

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

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

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

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

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

X Yes No

Yes X No

Yes X No

Mains X Private None Mains X Private None

X Mains Private None Mains Private X None

Yes X Partial None

X Yes No

The property is situated within a rural area, limited local amenities and facilities are available within Tomintoulvillage close by.

The property has been maintained in a satisfactory state of repair for a house of its age, style and construction.Whilst some items require attention, this should be capable of remedy by routine maintenance work.

The property has been affected by slight movement in the past. This is considered to be neither serious norprogressive in nature.

Alterations have been carried out to construct the existing kitchen extension and more recently Velux windowshave been inserted in the rear pitch of the roof. The garage has also been recently constructed. The reportassumes all necessary Local Authority and other consents were obtained for the alterations and that theappropriate documentation, including Building Warrants and Completion Certificate issued. If any works do notrequire consent then it has been assumed they meet the standards required by the Building Regulations or areexempt.

The valuation of the property is inclusive of an area of private garden ground which bounds the house on foursides and is understood to extend to approximately 1 acre in total. It is bounded by post and wire fences. Thelocation and ownership of the boundaries should be confirmed from the title.

The owner has advised that water is from a shared private supply. It is not possible to comment on the legalissues or the quality or quantity of the supply. For the purposes of the report, all are assumed to be satisfactory.

The owner has advised that drainage is to a private septic tank within the grounds. The system has not beeninspected and condition, legal and environmental issues have not been investigated. For the purposes of thereport, all are assumed to be satisfactory.

None.


Page 3 of 4


General Remarks

Essential Repairs

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


Yes X No

The property will form suitable security at the figure of value stated below.

(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 £ 195,000

Market value on completion of essential repairs £Insurance reinstatement value £ 225,000

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 £ n/a

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

Declaration

Signed Security Print Code [445997 = 6818 ]Electronically signed by:-

Surveyor's name David Cruickshank

Professional qualifications MRICS

Company name DM Hall LLP

Address 27 High Street, Elgin, IV30 1EE

Telephone 01343 548501

Fax 01343 540170

Report date 13th December 2018


Yes X No

Yes No

PROPERTYQUESTIONNAIRE

DM Hall OfficesAberdeen01224 594172

Ayr01292 286974

Cumbernauld01236 618900

Cupar01334 844826

Dumfries01387 254318

Dundee01382 873100

Dunfermline01383 621262

Edinburgh0131 477 6000

Elgin01343 548501

Falkirk01324 628321

Galashiels01896 752009

Glasgow (North)0141 332 8615

Glasgow (South)0141 636 4141

Hamilton01698 284939

Inverness01463 241077

Inverurie01467 624393

Irvine01294 311070

Kirkcaldy01592 598200

Livingston01506 490404

Musselburgh0131 665 6782

Oban01631 564225

Paisley0141 887 7700

Perth01738 562100

Peterhead01779 470220

Stirling01786 475785

DMHALL.CO.UK