After getting mortgage offer from Halifax which I think was best for me, I found a very good house which was close to my work, also most of my friends were living in neighborhood, it is like a dream house for me since I am first time buyer,
The property has previous offers around £185K, £181K but my offer of £187K was accepted, I was doing mortgage of £159K with Halifax; everything was going so good until valuation;
The survoy was conducted by 'Colleys Surveyors' as it is owned by Halifax, they valued the house as £145K almost £42K difference; Although new roof and other refurbishment were taken recently; which the surveyor said she haven't inspected the roof properly.
I have came across many bad reviews about 'Colleys' as they de-value a house almost by 50% now my question is what Should I do to get this house;
I have about £30K for deposit, and needs suggestions how to convince bank to get mortgage between £155K - £159K;
Looking forward for suggestions, Thanks