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For my parents house in Edinburgh, the "valuer" walked up the road with his dog (weird, I know) and looked at the house from the other side of the road. Seemingly just checking that the house existed. I don't know if anyone came to even look at my house in London. They certainly didn't get to see how awful it was inside, and I paid a lot over asking.
I wouldn't worry about the Home Buyers Report / Valuation. It's worth what people are willing to pay.
rodabod
Me again, sorry.
So, mortgages. I have approval in principle for enough to buy what I want. But I expect it to go for 10-20k over the "market value" given in the home report. I've heard anecdotally that banks won't lend more than the valuation. Is this true, and if so would I have to make the difference up with cash? That could be crippling as it'd eat my deposit.