Frequently Asked Questions
FAQ Topics

Environmental Search

An environmental search is a crucial part of the due diligence process when conducting property transactions in the UK. It aims to identify any potential environmental risks or hazards associated with the property and its surroundings. Here’s a more detailed explanation:

  1. Flood Risk: The environmental search assesses the property’s susceptibility to flooding. It considers factors such as the proximity to rivers, coastal areas, or areas prone to heavy rainfall. It provides information about the flood risk zone the property falls into, which helps buyers or mortgage applicants evaluate the potential for flooding and consider appropriate insurance coverage.
  2. Contamination: The search investigates the potential for contamination on or near the property. It looks for records of historical land uses, such as industrial or agricultural activities, that might have caused pollution. Additionally, it checks for nearby sites that have been designated as contaminated land. This information helps assess any potential health or environmental risks associated with the property and enables buyers or mortgage applicants to make informed decisions.
  3. Ground Stability Issues: The search considers the stability of the ground upon which the property is built. It examines factors such as mining activities, natural ground conditions, or historical land subsidence. The search may indicate whether the property is located in an area prone to ground stability issues, which can affect the structural integrity of the property.
  4. Landfill Sites: The search identifies the presence of any nearby landfill sites. It provides information about active or historic landfill sites in the vicinity and their potential impact on the property. This helps buyers or mortgage applicants assess any potential environmental or health risks associated with the presence of landfill sites.

By conducting an environmental search, buyers and mortgage applicants gain valuable insights into potential risks or hazards that may affect the property’s suitability or pose environmental concerns. This information enables them to make informed decisions, consider appropriate risk mitigation measures, and, if necessary, negotiate suitable terms or conditions for the property purchase or mortgage agreement.

It’s important to note that an environmental search is typically conducted by specialised companies or professionals who collect data from various sources, including environmental agencies, local authorities, and historical records.


Choosing a mortgage is an important financial decision and it’s easier with someone who’s on your side. We work as a whole of market mortgage broker so that you get the best possible choice of mortgages.



We are perfectly placed to help you find a buy to let mortgage solution that matches your property needs for individuals, families, investors, landlords and Limited Companies.

buy to let mortgages

We are experienced whole of market brokers who can help you get a great holiday let mortgage.

We can also give you access to exclusive schemes and some specialist lenders who don’t deal direct with borrowers. Loans are available to individuals and SPV’s upto 75% and we can help with Scottish properties, mixed use, multi-lets and Airbnb.

Our holiday let mortgage brokers know the lenders and their lending criteria well, enabling us to guide you to the best holiday let mortgage solutions

holiday to let mortgages

Bridging loans are one of the most useful, multi-purpose, types of lending solutions available. You can get a bridging loan approved on almost any property for almost any reason. Great for auction purchases or snapping up a buy to let bargain.

And we can arrange them really fast.

bridging loans

Development finance is designed to help with the purchase and build costs for a residential development project.

Solutions are available for change of use, ground-up projects, refurbishment or major building work and property extensions.

development loans
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