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The bank will value it at what it’s on the market for. Lower and they wouldn’t lend, higher and you’d be looking at a potentially lower interest rate.
So they won’t tell you, if they think it’s worth a few quid more.
I don’t think it’s worth £200 to find out. It’s irrelevant now until you remortgage, at which point most new lenders will insist on a valuation.
And that’s the point you go in with a high ball and add a fifth or so when applying - let them knock you back down (or not).
Ben689908
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