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  • when I re-mortgaged post-renovation, I just provided a valuation figure - assume the lender then just did their own desktop valuation based on recent sales in the area. no-one came out to do a survey - this was at the height of the pandemic mind. our valuation probably slightly under-valued the property but put us in the lowest LTV/best rate bucked in any case so I wasn't massively fussed. they didn't even ask about the renovations lol

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