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pifko
Mortgage is leaving a fixed term in a few months and need to sort a remortgage out.
Last time it was close to the wire and the valuation on our gaff was lower than we think it should be, but our broker suggested the difference in LTV would not be worth delaying the mortgage as the interest rates were going to jump the following week, so we just went with it.
This year we have a bit more time, but I have no idea how to value our property.
Looking at "similar" houses up for sale in our area, they are about what our mortgage was based on, but they are shitholes requiring tens of thousands spent on them, lack off road parking and don't have a garage (ours is all refurbed in the last 5 years, garage and parking for at least 2 cars)