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getting a re-valuation
When I remortgaged (switching lender) I asked the new lender if they would accept a chartered surveyor's valuation report commissioned by me, at my cost.
They said "no, we will send our own surveyor". And they covered the cost. Which was nice.
I was able to give them my estimate of the valuation at the start of the process (I forget where but it will have been part of the mortgage application). Then the surveyor came and their report was pretty close to my estimate. I had based my estimate on similar properties nearby (in Scotland, so the mortgage valuation report is available to all when a property is for sale).
Cupcakes
We need to re-mortgage the place we bought in December once we're (almost) finished the renovations (purposefully chose a non-locked in mortgage, so no issues with fees), which should be in a couple of months with any luck.
How do we actually go about getting a re-valuation that properly reflects the works that have been done?
Use local agents to appraise and give that to the bank (or our mortgage advisor)?
Just send before/after photos and a list of works and the bank will do the valuation based on other sold prices on the street and the like?
edit: should probs just ask our mortgage advisor... but feels nicer to post here