Disagree With a Valuation? Here's What to Do
Getting a valuation that isn’t as high as you expected can be shock, but what can you do about it?
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Getting a valuation that isn’t as high as you expected can be shock, but what can you do about it?
Yes, if you believe that the house valuation isn’t accurate you can look for a second opinion.
It’s recommended to get a valuation from a surveyor. A valuation as part of a survey is an in depth and accurate assessment of the property.
Some mortgage lenders will allow you to appeal the house valuation if you believe that it is wrong.
It is trickier to appeal a valuation from a surveyor as these are usually very thorough and accurate.
It can be hard to challenge a RICS valuation as these are carried out by experts who follow strict requirements and regulations.
If you have evidence to suggest the valuation is incorrect then you will need to appeal this with RICS. Difference in valuation will not be considered unless it’s above the courts’ accepted tolerance in valuation (usually up to 15%).
Surveyors’ valuations are usually fair and accurate. This is because surveyors provide an in depth assessment of multiple aspects of the property including its condition and its value on the open market.
A mortgage can be refused after a valuation if the lender believes that their investment will be at risk.
A mortgage lender might also offer a smaller loan than what was originally offered if it is found the property isn’t worth as much as expected.
If your mortgage is declined, you may still be able to mortgage the property with another lender or accept a smaller loan.
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