buy a house with subsidence

Is It Possible To Buy A Home With Subsidence

Buy A Home With Subsidence


Buying a home is one of the most rewarding and challenging milestones in one’s adult life. 

With so many homes, neighbourhoods to choose from.

Purchasing a fixer-upper can lead many first time home buyers towards an excellent path towards ownership.

Renovations aesthetically could seem minimal at first glance, but once you pull the curtains back, you may get more than you bargained for.

Should I Buy A House With Subsidence History?

As a new home buyer, you must research properties and gather as much property history as you can muster. 

Once you have decided on a property, conduct a home survey of the new home, and check for structural damage. 

Documents on homes are managed carefully, especially regarding severe structural damage; when repairs are needed to restore the home.

What should you do? 

It would depend on the damage from the first signs of subsidence, including the history of the structural damage can set off red flags to any real estate agent.

The good news, if there are no longer any signs of recurrence, hire a specialist that has the expertise to understand the dynamics of how subsidence occurs. 

A structured survey by a certificated professional would be your next step forward to make a clear decision.

Buying subsidence affected homes no longer has to strike fear in the hearts of home buyers any longer; there are options for assistance. 

Does Subsidence Devalue The Home?

The answer would be yes! 

Unfortunately, the home value will plummet because of past or present subsidence issues. 

Subsidence is considered a severe issue that brings damage to the foundation of the home. 

This phenomenon occurs when the ground shifts beneath the home, and the foundation begins to sink slowly

If you want to consider purchasing a home, have an awareness of structural damage to the house; for example, wide cracks along the exterior of the building and moisture underneath the home could cause mould

Within all this bad news, there is a ray of light. 

There should not be any reason why you couldn’t mortgage the home or purchase it outright with cash.  

You would have better opportunities to present yourself as a cash buyer. 

Only a very few reality groups will mortgage homes with signs of subsidence past or present. 

If you decide to sell in the future, this is valuable information to buyers. 

What Happens If You Ignore Subsidence?

If you are interested in buying a home with past or present subsidence damage. 

It would not be wise to ignore the history or current condition; it would reset your plans to revive the property. 

Let’s say the damage is minimal and you prolonged being proactive. 

The longer you wait you could cause major structural damage to the home and run the risk of collapse. 

Not to mention the amount of money in repairs to the home.

The positive subsidence is covered by homeowners and underpinning insurance; the UK is the only country covering properties with risk of subsidence, only if there is no history. 

Don't Ignore Subsidence


You have ample enough opportunity to prevent subsidence; here is how to avoid it.

    • Annual Maintenance of pipes under your home
    • Upkeep of yard and garden 
    • Inspect the Structure of the home for cracks warning signs of subsidence.
    • Remove or plant new trees away from home to control roots that lead to damaged pipes. 
    • Regular property inspections 
    • Mindful of drainage systems

In Closing

If you are deciding on purchasing a new home, you must learn about subsidence.

Collect enough information to decide to purchase a home and figure out what type of home purchase would benefit you. 

It is possible to maintain a home with some structural damage and live to enjoy it.