Halifax Launches HomePlus: Enhanced Level 2 Survey and Valuation for UK Mortgage Applicants

Introduction: Halifax Improves Home Survey Experience for UK Borrowers

Halifax, one of the UK’s leading mortgage lenders, has announced a significant improvement to its property survey offering for homeowners, property investors, and first-time buyers. From Monday, 11 August, customers selecting a Level 2 survey and valuation through Halifax will receive the brand new HomePlus survey report provided by surveying partner e.surv. This upgrade introduces digital convenience and enhanced property insights, aimed at making the mortgage process smoother and more transparent for applicants across the UK.

What Is Changing? Introducing the HomePlus Survey Report

The HomePlus survey is Halifax’s improved Level 2 property assessment, now featuring:

• Digital Interactive Portal: Borrowers can access, view, and download their HomePlus report from any device, anytime.
• Neighbourhood Insights: Get up-to-date information on local schools, community demographics, crime rates, and amenities, all in one report.
• Defect Severity Ranking: HomePlus highlights and ranks any property defects, complete with photographs for easy sharing with contractors or conveyancers.
• Repair & Cost Guides: Access handy links to cost guides and reliable, vetted tradespeople suited for the job.
• Energy Performance Insights: Includes a full EPC rating plus a tailored energy efficiency improvement plan.

For borrowers keen on transparency and digital access, this marks a major leap forward. Note: A new Level 2 valuation fee scale will accompany the rollout of HomePlus.

How the Changes Impact Borrowers

The introduction of HomePlus means:

• Better Decision-Making: Comprehensive digital reports empower buyers or remortgagers to understand property risks and associated repair costs before proceeding.
• Easier Access to Information: Instant access to survey findings, local area context, and improvement suggestions makes planning your move or upgrade easier.
• Streamlined Application Process: Applying through Halifax Intermediaries Online now features “Level 2 – HomePlus” as a straightforward option in the valuation dropdown.

There is no change to how Level 2 surveys are instructed—simply select the new HomePlus option during your application. If a customer opts to independently arrange a Level 2 survey via an external RICS surveyor, Halifax will still require a Level 1 mortgage valuation (with a £100 fee) to inform their lending decision.

Who Can Benefit from HomePlus?

• First-Time Buyers: Gain deeper insight into property condition and neighbourhood suitability.
• Home Movers & Investors: Make informed decisions about potential renovations or improvements based on detailed digital defect rankings and cost guides.
• Remortgage Applicants: Use the enhanced digital report to negotiate or manage property upgrades efficiently.

The addition of neighbourhood and energy-efficiency data is especially valuable for buyers comparing multiple properties or investors considering return on investment.

Why Choose Halifax for Your Mortgage and Survey?

• Digital Convenience: Access your survey report across mobile, tablet, or computer—no paperwork required.
• Comprehensive Insights: Detailed information empowers confident, informed property decisions.
• Trusted Partner: Halifax, partnered with e.surv, brings reliable reporting and clear communication to the mortgage journey.
• Flexible Options: Choose from a range of mortgage products and find a solution tailored to your specific needs, including first-time buyer mortgages, buy-to-let, and remortgage options.

Next Steps & Getting Expert Mortgage Advice

Considering a property purchase, remortgage, or investment? The new Halifax HomePlus survey could make your journey simpler and more informed. Contact our expert mortgage team for tailored advice on Halifax mortgage products, the HomePlus process, and your eligibility. Let us help you secure the right deal—and the right information—every step of the way.

Frequently Asked Questions (FAQ)

• What is the Halifax HomePlus Level 2 survey?HomePlus is Halifax’s new digital, interactive Level 2 survey and valuation report, offering detailed property insights, neighbourhood data, and repair guidance for buyers and remortgagers.
• Who should consider a Level 2 HomePlus survey?It’s ideal for first-time buyers, movers, or investors wanting in-depth information on property condition and local area, as well as digital convenience.
• How do I access my HomePlus report?You’ll receive access via a secure digital portal, allowing downloads on computer, tablet, or mobile at your convenience.
• Will Halifax accept an independent survey?Yes, but they require a formal Level 1 mortgage valuation instructed through their system, with a £100 fee, to support lending decisions.
• How can I get personalised mortgage advice for Halifax products?Contact our mortgage experts for bespoke support on Halifax mortgages and the HomePlus survey process. We’ll guide you through every stage.