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Lender Valuation

Lender Valuations

When reviewing your mortgage application, your lender may enlist the specialist advice of a RICS Valuer to help them decide how to fund the property you are buying, or remortgaging.

At SDL Surveying, we are instructed to provide valuations for a range of national lending organisations.

What is a Lender Valuation?

A mortgage valuation is a report based on a limited visual inspection of a property by a trained and regulated RICS Valuer. The report includes the Valuer’s opinion on the value of the property, and solely reflects issues which are considered significant enough to affect value or to cause concern for the mortgage lender.

Should I book a home survey?

It’s crucial to understand that a mortgage valuation is not a survey and is for the lender’s purposes only.

A mortgage valuation tells you little about the building’s state of repair, and it won’t necessarily point out structural problems that you may have to pay to fix further down the line. What’s more, you may not even receive a copy of a report or be party to advice contained within it.

This is why it’s really important for you to have your own survey carried out before you enter into a contract to buy a home. By providing you with information about the condition of the property, a home survey can be invaluable in helping you to avoid expensive surprises, and to re-negotiate the sale price so that it fairly reflects the cost of necessary repairs.

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SDL Surveying IconSDL Surveying

Chetwynd Business Park, 3 – 4 Regan Way, Nottingham

4.3 764 reviews

  • Avatar Michael Carney ★★★★★ in the last week
    I thought the service provided by Richard from SDL Surveying was fantastic. Gave … read more me a call the day of the survey to talk through his findings. Then once I had received the report, kindly talked me through the final report and answered my many questions. In what can sometimes be a painful experience, Richard made things super simple.
  • Avatar Fiona Green ★★★★★ 2 months ago
    A very efficient and Covid secure company. Great communication and time keeping. … read more Th am you so very much
  • Avatar Nicola Francis ★★★★ 3 months ago
    Very professional, courteous and followed the Covid protocol that had been sent to … read more us prior to the appointment. Only reason for dropping a star was that the surveyor arrived 15 minutes later than the two hour window. Understand that these things happen but would have appreciated a call.

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