Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

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

Use the links below and the resulting list of terms on the right to locate the term you are looking for. If you can't locate it, please get in touch.