I'm currently in the process of buying a new house. The mortgage has been approved and they offer a 'free valuation'. Is this the same as a survey in which they will check the general building condition of the house, roof etc? or is this simply a 'valuation' report to make sure that they are not 'over-lending' on the property? I assume that the mortgage company will make sure that the house is in good order before lending on it. Does anyone have any experience of home buyer surveys, are they actually worth paying for?