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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

4.4 728 reviews

  • Avatar Ranjit Singh Bhogal ★★★★★ in the last week
    The surveyor arrived promptly, was very professional and polite! He had a very good … read more knowledge of the local area so was able to provide a good and accurate valuation of our property. Would recommend them
  • Avatar Ross Humphrey ★★★★★ 4 weeks ago
    Our valuation today was really good. The man who carried it out was really professional … read more and followed all the Covid safe rules. He was quick but thorough and very friendly. Really happy with the service!
  • Avatar Mica Barrett ★★★★★ a month ago
    I had a surveyor attend to my property today; he was so polite and very professional. … read more I would definitely recommend to family and friends. Excellent service, easy to book a slot and communication from booking the appointment to receiving a precise slot window was spot on.
    Great company to use.

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