What Happens When Someone Comes to Value Your House?

Having your house valued is a crucial step whether you are selling, buying, remortgaging, or simply curious about your property’s worth. Understanding what happens when someone comes to value your house can help you prepare and ensure you get an accurate and fair assessment. This guide provides an in-depth look at the entire valuation process in the UK, from preparation to the final report, and explores the different types of valuations, factors influencing value, and tips for maximizing your property’s appeal.

Types of House Valuations

1. Market Valuation

  • Purpose: Typically used when selling or buying a property.
  • Conducted by: Estate agents.
  • Outcome: Provides an estimate of the property’s current market value based on comparable sales and market trends.

2. Mortgage Valuation

  • Purpose: Required by lenders when you apply for a mortgage or remortgage.
  • Conducted by: Chartered surveyors appointed by the lender.
  • Outcome: Determines the property’s value for lending purposes, ensuring it covers the loan amount.

3. Full Structural Survey (Building Survey)

  • Purpose: A comprehensive inspection, often conducted before purchasing an older or unusual property.
  • Conducted by: Chartered surveyors.
  • Outcome: Provides detailed information on the property’s condition, including structural issues and necessary repairs.

4. Homebuyer Report

  • Purpose: Offers more detail than a mortgage valuation but less than a full structural survey.
  • Conducted by: Chartered surveyors.
  • Outcome: Assesses the property’s condition and identifies any major issues that could affect its value.

Preparing for a House Valuation

1. Gather Documentation

  • Property Deeds: Ensure you have the property deeds and any documentation related to ownership.
  • Renovation Records: Collect records of any renovations, extensions, or significant repairs done on the property.
  • Planning Permissions: Have documents related to any planning permissions or building regulations approvals.

2. Tidy and Clean

  • Interior: A clean and well-presented interior can create a positive impression.
  • Exterior: Ensure the garden and exterior are tidy, as first impressions matter.
  • Declutter: Remove unnecessary items to make the space appear larger and more inviting.

3. Minor Repairs and Maintenance

  • Fix Issues: Address any visible repairs, such as leaky taps, broken tiles, or peeling paint.
  • Maintenance: Ensure that routine maintenance tasks, like servicing the boiler or cleaning the gutters, are up to date.

The Valuation Process

1. Initial Contact and Appointment Setting

  • Scheduling: Once you’ve chosen a valuer or have been assigned one by your lender, an appointment will be scheduled.
  • Confirmation: You’ll receive confirmation of the date and time, along with any specific instructions or preparations required.

2. The Valuer’s Arrival

  • Introduction: The valuer will introduce themselves and explain the process.
  • Documentation: They may request to see any documentation you’ve prepared, such as renovation records or planning permissions.

3. External Inspection

  • Exterior Condition: The valuer will start by inspecting the outside of the property, including the roof, walls, windows, and doors.
  • Garden and Grounds: They will assess the condition and size of the garden and any outbuildings like garages or sheds.
  • Curb Appeal: First impressions of the property’s exterior can influence the valuation.

4. Internal Inspection

  • Room-by-Room: The valuer will conduct a thorough room-by-room inspection.
  • Structural Features: They will check the structural condition, including walls, ceilings, and floors.
  • Fixtures and Fittings: The quality and condition of fixtures and fittings, such as kitchens and bathrooms, will be noted.
  • Layout and Space: The overall layout, room sizes, and functional space will be evaluated.
  • Utilities: The valuer will assess the condition and age of utilities like plumbing, heating, and electrical systems.

5. Measurements and Photographs

  • Measurements: Accurate measurements of each room and the overall property size will be taken.
  • Photographs: The valuer may take photographs for reference and documentation.

6. Discussion and Questions

  • Questions: Be prepared to answer any questions the valuer may have about the property’s history, any issues, and recent improvements.
  • Clarifications: Use this time to clarify any unique features or upgrades that might add value to the property.

7. Valuation Analysis

  • Comparable Sales: The valuer will compare your property to similar properties that have recently sold in the area.
  • Market Trends: Current market conditions and trends will be taken into account.
  • Final Report: The valuer will compile a detailed report that includes the estimated market value, factors considered, and supporting data.

Factors Influencing Property Valuation

1. Location

  • Neighborhood: The desirability of the neighborhood, including safety, amenities, and school quality.
  • Proximity to Transport: Access to public transport, major roads, and airports.
  • Local Developments: Upcoming infrastructure projects or developments can affect property values.

2. Property Condition

  • Structural Integrity: Overall structural condition, including the foundation, roof, and walls.
  • Interior Condition: The state of the interior, including kitchens, bathrooms, and flooring.
  • Energy Efficiency: Properties with higher energy efficiency ratings can attract higher valuations.

3. Size and Layout

  • Square Footage: Total size of the property, measured in square footage.
  • Number of Rooms: The number of bedrooms, bathrooms, and living areas.
  • Layout Efficiency: An efficient and functional layout enhances the property’s appeal.

4. Improvements and Upgrades

  • Renovations: Recent renovations, such as new kitchens, bathrooms, or extensions, can increase the property’s value.
  • Upgrades: Modern fixtures, fittings, and appliances contribute to higher valuations.
  • Sustainability Features: Eco-friendly features, such as solar panels or energy-efficient windows, can enhance value.

5. Market Conditions

  • Supply and Demand: The balance between supply and demand in the local housing market.
  • Economic Conditions: Broader economic factors, including interest rates and employment levels.
  • Seasonal Trends: Property values can fluctuate seasonally, with certain times of the year being more favorable.

Post-Valuation: Understanding the Report

1. Review the Valuation Report

  • Summary: The report will include a summary of the property, including size, layout, and key features.
  • Comparables: Details of comparable properties used to determine the valuation.
  • Market Analysis: Analysis of local market conditions and trends.
  • Final Valuation: The estimated market value of your property.

2. Discrepancies and Appeals

  • Review Carefully: Compare the report with your own research and expectations.
  • Identify Issues: Note any discrepancies or concerns with the valuation.
  • Appeal Process: If you disagree with the valuation, you can appeal by providing additional evidence or requesting a second opinion.

Maximizing Your Property’s Value

1. Enhancing Curb Appeal

  • Landscaping: Maintain the garden, lawn, and exterior spaces.
  • Exterior Maintenance: Ensure the exterior is well-maintained, including paintwork and roofing.
  • Entrance: Make the entrance welcoming with clean paths, doors, and lighting.

2. Interior Improvements

  • Cleanliness: Keep the interior clean, tidy, and clutter-free.
  • Repairs: Address any necessary repairs, such as fixing leaks, cracks, or broken fixtures.
  • Neutral Décor: Opt for neutral colors and décor to appeal to a broader range of buyers.

3. Energy Efficiency Upgrades

  • Insulation: Improve insulation to enhance energy efficiency.
  • Windows: Install double-glazed or energy-efficient windows.
  • Heating Systems: Consider upgrading to more efficient heating systems.

4. Modernizing Key Areas

  • Kitchen: Update the kitchen with modern appliances, countertops, and fixtures.
  • Bathrooms: Renovate bathrooms with contemporary fittings and fixtures.
  • Living Spaces: Enhance living spaces with open-plan layouts and modern finishes.

Common Mistakes to Avoid

1. Overpricing the Property

  • Realistic Expectations: Set realistic expectations based on market research and comparable properties.
  • Professional Advice: Rely on professional valuations and advice rather than personal opinions.

2. Neglecting Maintenance

  • Regular Maintenance: Keep up with regular maintenance to prevent issues from affecting the valuation.
  • Professional Inspections: Consider professional inspections to identify and address potential problems.

3. Ignoring Market Trends

  • Stay Informed: Stay informed about local market trends and conditions.
  • Timing: Choose the right time to remortgage based on market conditions.


Understanding what happens when someone comes to value your house in the UK is essential for preparing adequately and ensuring you get an accurate and fair assessment. From gathering documentation and tidying up your home to understanding the valuation process and post-valuation steps, being well-informed can make a significant difference. By following best practices, avoiding common mistakes, and enhancing your property’s appeal, you can maximize its value and achieve your financial goals, whether selling, buying, or remortgaging.

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