Updated October 2026 · Fraser Bond
Buying · Surveys
Structural movement: buy or walk away?
| Historic movement | Ongoing movement | |
|---|---|---|
| Cracks | Old, often filled and stable | Fresh, widening |
| Risk | Usually low | Needs investigation |
| Mortgage | Usually fine | Lender may require reports |
| Insurance | Usually fine with disclosure | May be harder or pricier |
Historic vs ongoing movement
Use contractor quotes and engineer advice to support any renegotiation.
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Is structural movement a reason not to buy?
Not always. Historic, stable movement is common in older homes.
Who should inspect cracks?
A chartered surveyor and, if needed, a structural engineer.
Can I renegotiate?
Yes, using quotes for necessary repairs.