Can I order a mortgage security valuation myself?

Lenders generally arrange reports for their own lending decisions. If you need a valuation for finance, ask your lender or broker which report they require and who should instruct the valuer.

What's the difference between a full inspection and a kerbside valuation?

A full inspection includes both the interior and exterior of the property, giving the valuer a complete view of its condition and improvements. A kerbside valuation only covers an external inspection from the street, which lenders sometimes use for lower-risk loans, but which provides a less complete picture than a full inspection.

Why might a valuation come in lower than the price I paid?

Valuers base their assessment on recent comparable sales evidence, and if a buyer pays more than those sales support, the valuation may not match the contract price. This can happen in a fast-moving or competitive market. If you're aware of relevant comparable sales that may not have been considered, these can usually be raised for review.

Residential Property Valuations

Every residential valuation starts with an inspection. Our valuers assess the property's condition, location, and improvements against comparable sales and local buyer demand, whether it's a house, apartment, townhouse, off-the-plan purchase, or a prestige or lifestyle property. The result is an independent, defensible figure prepared for the specific purpose you need it for.

What we value it for

Mortgage security

A mortgage security valuation tells a lender what a property is worth as security for a home loan or refinance. It confirms whether the property supports the amount being borrowed, giving lenders an independent, defensible figure to base their lending decision on.

Pre-purchase advice

A pre-purchase valuation tells you what a property is worth before you bid at auction or sign a contract. You'll know where comparable sales sit and at what point a price has gone too far, letting you negotiate with an independent figure behind you rather than relying on the asking price. See our Pre-Purchase & Pre-Sale Valuations page.

Family law and litigation

We can discuss the scope of a residential valuation for a family law matter or dispute. Your lawyer and the intended recipient should confirm the evidence and expert-report requirements before instruction.

Construction "as if complete"

An "as if complete" valuation assesses what a property would be worth if construction were already finished, based on its plans, specifications, and building contract. Lenders commonly use it to assess construction loans before building starts.

Important: This is general information, not tax or legal advice. Your adviser and the report recipient should confirm the appropriate valuation date, product scope and evidence requirements. Check any proposed 2027 CGT changes against current official guidance before relying on them.