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Value is subjective and would give you a range. You could invite 3 estate agents round and pretend you're selling if you just want the valuation?
Most banks have an automated mortgage acceptance level, then a drive-by acceptance level and finally an in-person inspection... it's a risk assessment based on loan-to-value, age of property, condition of property and valuation compared to similar sold properties, etc.
JonoMarshall
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