Hello Mango7, The best advice I can offer is do not sign anything just yet. Did your surveyor do a cosmetic survey only, If so get the present owner to have a hydro-static test done and that should verify if the house is in danger of subsidence. As Billk stated if the house is 17 years old then they are not settlement cracks so something else is causing them. First of all , Have the present owner pay for an engineers report specifically relating to a hydro static test to prove there is no subsidence or water release , You should be provided with the engineers report before purchasing, Without this you are possibly buying trouble. First things first, Be 100% sure you are not buying a house with subsidence , Please cover yourself with an engineers report , And if it is a problem in your area try to get a bit more info from the neighbours. Secondly if all goes well and you have an engineers report to say everything is ok in writing make sure you are covered for such an event in the future on your insurance policy. I am not being an alarmist but my house is in the middle of having the underpinning done at the moment after having a survey done to say everything was ok at the time of purchase. My mistake was not to get a hydro static test done at the time. I was lucky that I had cover. If there is anything I can help you with let me know, Regards Salaried.