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Mortgage valuation report example

Mortgage valuation 2025

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The document is a Mortgage Valuation Report for a property located at 97 Pettycur Road, Kinghorn, prepared by Graham + Sibbald. It provides detailed information about the property's condition, including signs of settlement and required repairs. The report assesses the property as suitable security for a mortgage with a market valuation of £160,000 and an insurance reinstatement value of £325,000. It also includes an Energy Performance Certificate indicating energy efficiency ratings and recommendations for improvements.

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

What happens if the valuation is lower than the offer?

Go back to the seller armed with your mortgage valuation and ask if theyll renegotiate the price. If youve had a down valuation theres a good chance the seller will face the same problem with a different buyer (unless theyre cash buyers). They may agree to reduce the price so your sale can still go ahead.

What is a mortgage valuation?

A mortgage valuation is a specific assessment that helps a mortgage lender confirm the propertys value and decide whether its suitable security for the loan youve applied for. Your lender will usually arrange a mortgage valuation.

How long after a mortgage valuation to offer?

If the valuation meets our requirements, well issue a mortgage offer to you within 48 hours.

Does a valuation mean a mortgage is approved?

A valuation being completed doesnt mean the mortgage is approved, the valuation report can flag issues. For example: If the condition of the property, e.g. general stability of the property, effects the security of the loan that you are applying for. Property value being lower than the offer price.

How do you value a mortgage?

Calculate your loan-to-value ratio For a home with a $140,000 mortgage, divide that current loan balance by the homes current appraised value of $400,000. Multiply the answer of 0.35 by 100 to get an LTV of 35%. With a higher LTV ratio, banks may consider your loan higher risk, which can increase your borrowing costs.

Can a mortgage be declined after valuation?

Can a Mortgage in Principle be Declined After the Valuation? Potentially, a lender could withdraw an agreement in principle if the value on paper does not match the survey being declined a mortgage at this stage can be disruptive when you have an agreement on the table from your lender.

What happens if the valuation is higher than the offer?

Conversely, if the mortgage valuation is higher than your purchase price, it could work in your favour. The loan to value ratio (LTV) is important here. A lower LTV often means a lower risk for the lender, leading to more favourable mortgage terms for you.

Is a mortgage valuation the same as a survey?

In a nutshell, a house survey provides an account of the propertys condition and benefits the home buyer whereas a mortgage valuation only provides an estimate of the propertys value and benefits the mortgage lenders.

Mortgage valuation 2025

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