𝗗𝗶𝗱 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄 𝘁𝗵𝗮𝘁 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 𝗮𝗻𝗱 𝗱𝗲𝘃𝗲𝗹𝗼𝗽𝗲𝗿𝘀 𝗰𝗮𝗻 𝘀𝗼𝗺𝗲𝘁𝗶𝗺𝗲𝘀 𝗶𝗻𝘀𝘁𝗿𝘂𝗰𝘁 𝗮 𝗽𝗿𝗲𝗳𝗲𝗿𝗿𝗲𝗱 𝘃𝗮𝗹𝘂𝗮𝘁𝗶𝗼𝗻 𝗳𝗶𝗿𝗺! One thing I see far too often in the BTL, semi‑commercial and commercial world is this: 𝗔 𝗹𝗲𝗻𝗱𝗲𝗿 𝗶𝗻𝘀𝘁𝗿𝘂𝗰𝘁𝘀 𝗮 𝘃𝗮𝗹𝘂𝗮𝘁𝗶𝗼𝗻 𝗳𝗶𝗿𝗺 𝘄𝗵𝗼 𝗱𝗼𝗲𝘀𝗻’𝘁 𝗸𝗻𝗼𝘄 𝘁𝗵𝗲 𝗹𝗼𝗰𝗮𝗹 𝗮𝗿𝗲𝗮, 𝘁𝗵𝗲 𝗽𝗿𝗼𝗷𝗲𝗰𝘁, 𝗼𝗿 𝘁𝗵𝗲 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝘁𝘆𝗽𝗲 𝗮𝗻𝗱 𝘁𝗵𝗲 𝘃𝗮𝗹𝘂𝗮𝘁𝗶𝗼𝗻 𝗰𝗼𝗺𝗲𝘀 𝗯𝗮𝗰𝗸 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝘁𝗲𝗱. And when the valuation is wrong, the funding is wrong. For investors and developers, this can mean: • Lower BMV/VP • Missed commercial potential • A bridging exit that no longer works • A refinance that falls short Here are steps I follow to reduce this risk: 1️⃣ Understand how valuations are instructed Most lenders use panels like Method, VAS or Gateway. Always ask which panel and how valuers are allocated. 2️⃣ Check if “Self‑Instruct” is allowed Some lenders let you (or the broker) propose a valuer. This helps when: • They valued the project for your bridging lender • They understand the refurb/EPC uplift • They know local comparables If available, the panel can obtain a quote from your preferred valuer and instruct them if they’re free. 3️⃣ Attend the valuation Walk the valuer through the project. Explain the works, numbers and commercial angle. This avoids assumptions and missing context. 𝗔 𝗿𝗲𝗮𝗹 𝗲𝘅𝗮𝗺𝗽𝗹𝗲 𝗳𝗿𝗼𝗺 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸 I sourced a commercial refinance for a multi‑unit project. The lender allowed a valuer familiar with this type of scheme, either via the panel’s self‑instruct option or directly. This made a huge difference to the accuracy of the valuation and the funding outcome. The right valuer isn’t a box‑tick. It’s a strategic decision that protects your deal. 𝗛𝗮𝘃𝗲 𝘆𝗼𝘂 𝗲𝘃𝗲𝗿 𝗵𝗮𝗱 𝗮 𝘃𝗮𝗹𝘂𝗮𝘁𝗶𝗼𝗻 𝗰𝗼𝗺𝗲 𝗯𝗮𝗰𝗸 𝗹𝗼𝘄𝗲𝗿 𝘁𝗵𝗮𝗻 𝗲𝘅𝗽𝗲𝗰𝘁𝗲𝗱? 𝗦𝗵𝗮𝗿𝗲 𝘆𝗼𝘂𝗿 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲 𝗯𝗲𝗹𝗼𝘄. 𝗜𝗳 𝘆𝗼𝘂’𝗿𝗲 𝗮 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿 𝗼𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗼𝘄𝗻𝗲𝗿 𝗮𝗻𝗱 𝗿𝗲𝗾𝘂𝗶𝗿𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗲, 𝗳𝗲𝗲𝗹 𝗳𝗿𝗲𝗲 𝘁𝗼 𝗴𝗲𝘁 𝗶𝗻 𝘁𝗼𝘂𝗰𝗵. 𝗪𝗶𝘁𝗵 𝗮𝗰𝗰𝗲𝘀𝘀 𝘁𝗼 𝟮𝟱𝟬+ 𝗹𝗲𝗻𝗱𝗲𝗿𝘀, 𝗜’𝗺 𝗰𝗼𝗻𝗳𝗶𝗱𝗲𝗻𝘁 𝘄𝗲 𝗰𝗮𝗻 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻. 📧 sanjay@finances.house 📞 07949 291403 📞 0121 285 3995 #𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆𝗙𝗶𝗻𝗮𝗻𝗰𝗲 #𝗦𝗽𝗲𝗰𝗶𝗮𝗹𝗶𝘀𝘁𝗟𝗲𝗻𝗱𝗶𝗻𝗴 #𝗕𝘂𝘆𝗧𝗼𝗟𝗲𝘁 #𝗟𝗮𝗻𝗱𝗹𝗼𝗿𝗱𝗙𝘂𝗻𝗱𝗶𝗻𝗴 #𝗖𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹𝗙𝗶𝗻𝗮𝗻𝗰𝗲 #𝗖𝗮𝗽𝗶𝘁𝗮𝗹𝗥𝗮𝗶𝘀𝗶𝗻𝗴 #𝗥𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 #𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 #𝗨𝗞𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 #𝗙𝗶𝗻𝗮𝗻𝗰𝗲𝗕𝗿𝗼𝗸𝗲𝗿

Posted by Sanjay Majithia at 2026-06-24 14:07:54 UTC