Kerbside Valuation

What is a Kerbside Valuation?

A Kerbside Valuation is a cheap ‘drive-past’ valuation by an agent of a mortgage lender to check the condition and value of a property, used particularly for further advances on an existing mortgage or if you are remortgaging and house prices have not fluctuated drastically.

In recent years these have dwindled slightly in popularity, with the wealth of information available on the internet allowing agents to ‘Google’ the property and the area to find all the information they need. These are referred to as Desktop Valuations.

The surveyor will often draw on comparisons to properties recently sold in the area to support their estimation. This is designed as a way of reducing costs for either the customer or the lender depending on who is responsible for paying for the valuation.

Generally they can be quite unreliable when compared to a full valuation in terms of ascertaining the actual market value and offers little if you need to know more about the structure of the property. For this, you would need to carry out a Mortgage Valuation.


Q: Can I ask for a full valuation over a kerbside one?

A: In most cases you can request that a full valuation be carried out, but you can probably also expect a jump in the cost to cover the additional legwork.

Q: Will it take into consideration interior work done to my house?

A: No. Kerbside Valuations only take into account what can be seen from the outside of the property, along with recent property sale prices in the area.

Jargon Buster

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