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What you’ll get

The answer first. Then the evidence.

Every folio opens with what to offer first, what to aim for and where to walk away. Behind it are 14 pages in four parts, in the order you’ll need them.

Part 1 · At a glance

  1. Page 1

    What should I do?

  2. Page 2

    How does the asking compare with the sales?

Part 2 · Your plan

  1. Page 3

    What should I offer?

  2. Page 4

    What do I say to the agent?

Part 3 · The evidence

  1. Page 5

    Where do my three numbers come from?

  2. Page 6

    Which sales did you use, and can I check them?

  3. Page 7

    Why is it priced where it is?

  4. Page 8

    Are prices here rising or falling?

  5. Page 9

    What’s the area like?

Part 4 · Before you commit

  1. Page 10

    What could go wrong?

  2. Page 11

    How much cash will I need?

  3. Page 12

    What will it cost each month?

  4. Page 13

    What do I do next?

  5. Page 14

    Can I trust these numbers?

See a real folio first. Four are published, redacted: what each one found, and all 14 pages.

See the redacted folios

Before you pay

Questions about ordering.

All questions
Can I order a folio before I’ve viewed the property?

Yes, and it’s often the better order. A folio before the viewing tells you what to ask on the day and what the listing isn’t saying. We need the home’s postcode, address, asking price and floor area, and the listing link if it’s online.

Will the agent or seller know I’ve ordered one?

No. SettleIQ never contacts the seller, the selling agent or anyone else about your folio, and never makes offers for you. The folio sits at a private link that only you have. For your advisers, it makes a PDF copy with only the pages they need.

Can I cancel?

Your first folio starts as soon as you pay, and you lose the right to cancel it once we send it to you. Folios you haven’t used keep the 14-day right to cancel. The Refund Policy has the details.

What if my offer is rejected or I pull out?

The folio is yours either way. It stays online for 12 months after we send it, and you can save a PDF at any time. With a pack, your other folios are there for the next homes you look at; use them within six months.

Is a folio a valuation or a survey?

No. It is neither. A folio is not a RICS Red Book valuation, it is not a mortgage valuation, and it is not a building survey. It cannot assess structural condition, internal layout, decorative state or hidden defects, because it works from registered data rather than a site visit. Commission a qualified RICS surveyor for physical inspection; the folio is designed to be used alongside one, earlier in the process.