When Physical Valuation Errors Nearly Killed the Deal and How I Fixed It for my client? Two cases in the last few month reminded me exactly why I dread valuation day! Case 1 (December): A B&B refinancing on a commercial mortgage. Strong accounts, great occupancy, solid location. The valuer came in massively under and risked disrupting the client’s plans to exit the bridging finance Case 2: A BMV buy‑to‑let purchase on a bridge. The investor had strong comparable and rental evidence but the valuer ignored local data, undervalued the rent, and produced a figure that didn’t reflect the market at all. If you’re facing the same issue, don’t panic as you can contest a valuation! Go back to the lender and clearly explain why you’re unhappy with the valuation but remain factual and not emotional. 💠Ask the lender their valuation appeals process as every lender has one, and they’ll outline the steps and timelines to be followed 💠Check the credentials of the valuation firm, e.g. are they familiar with the local area, how other investment properties locally are performing. 💠Go through the valuation report line by line. Identify every concern, assumption or error that led to the low figure. 💠Pull together your evidence and comparable, like rental income figures from managing agents, recent sales, local estate agent opinions, similar investment properties in the area. 💠Stick to the lender’s timelines. Most are very clear on how long you have to submit an appeal. 💠Be precise with your numbers. If you’re presenting evidence, make it watertight Valuers are human. They get things wrong. But a well‑structured, evidence‑backed challenge can and often does turn things around. If you need to get in touch and need any advise on business and property commercial finance, please reach out to me on below: 📩 Email: sanjay@finances.house 📅 Book a call: https://lnkd.in/eHeW6T7G PS. Picture from Fawlty Towers "Gourmet Night" episode! #PropertyFinance #CommercialMortgages #BuyToLet #BridgingFinance #BMVDeals #PropertyInvesting #LandlordLife #UKProperty #PropertyValuation #ValuationAppeal #MortgageBroker #FinanceBroker #InvestmentProperty #PropertyDeals #PortfolioLandlord #RealEstateUK #PropertyStrategy #CashflowMatters #LenderReady #PropertyTips

Posted by Sanjay Majithia at 2026-01-22 15:27:48 UTC