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Mortgage Valuations More Then Offer Price

How exactly do mortgage valuations work -

We had ours done by Countrywide (who were instructed by the mortgage lender) and the valuer came back saying it was worth 10% more then we have offered

Do the valuers know the price that you have offered or not and do valuers normally value property optimistically or not?

Comments

  • Pupnik
    Pupnik Posts: 452 Forumite
    Ninth Anniversary Combo Breaker
    This happened with ours too- they should know how much you have offered (on ours it had a section for price agreed and a different section for valuation) but the seller and estate agents should not be informed how much it has been valued at- they don't get a copy and make sure you don't tell them in case they try and raise the price.
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Joey122 wrote: »
    How exactly do mortgage valuations work -

    We had ours done by Countrywide (who were instructed by the mortgage lender) and the valuer came back saying it was worth 10% more then we have offered

    Do the valuers know the price that you have offered or not and do valuers normally value property optimistically or not?

    Perhaps a typing mistake........
  • GMS
    GMS Posts: 5,388 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Thrugelmir wrote: »
    Perhaps a typing mistake........


    Or perhaps it IS worth 10% more.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
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