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Mortgage Valuation

Definition of 'Mortgage Valuation'

A valuation, carried out by an agent appointed by and acting on behalf of your mortgage lender, of the property that you want to buy. This is not a survey and should not be relied on as such. Usually the surveyor will use comparisons from local house sales to provide an estimated value to the property. Normally this will contain a description of the house, confirmation of whether any special reports are required such as metalliferous or coal mining reports as well as a general description of the condition of the property. This can include issues such as if there is any structural movement or damp present. They can also place a recommended retention on any mortgage advance until recommended works are undertaken.

See also Kerbside valuation and Structural Survey.

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