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The last place I bought only had a homebuyers report. I wonder, but am not sure, if a full structural survey would have picked up removal of the wall that originally separated the kitchen and dining room. I had no idea that had been removed until I pulled the kitchen floor up some years later. It wasn't a supporting wall so I wasn't concerned.
The people buying my house very quickly found out about it (maybe due to their surveyor) and I had to pay for some indemnity insurance in order for the sale to go through because no planning permission/building controls check had been sought. It was only a couple of hundred quid but I was livid at having to pay for a previous owner's actions.
Sounds like my old place : I dread to think what a full survey would come back with on that with all the alterations I did without building regs :
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