Mortgage Valuations

Fast, Accurate Valuations for Mortgage and Refinance Applications

When applying for a new home loan or refinancing an existing one, banks and lenders require a formal mortgage valuation from a certified valuer. At Propti, we make this process simple, quick, and compliant connecting you with qualified valuers who deliver accurate property assessments accepted by major Australian lenders. Need a valuation for tax or legal purposes instead? Visit our pages on CGT Valuations or Transfer Valuations.

​

What Is a Mortgage Valuation?

A mortgage valuation is a professional assessment of a property’s market value, prepared for lending purposes. It ensures the lender that the loan amount aligns with the property’s true worth and risk profile. Unlike a real estate appraisal, this is an independent, certified report used in formal lending decisions giving both you and your lender confidence in the security value.

​

Why You Need a Mortgage or Refinance Valuation

When you’re purchasing, refinancing, or topping up an existing mortgage, your lender relies on a current, unbiased valuation to:

• Confirm the property’s current market value

• Determine the appropriate loan-to-value ratio (LVR)

• Support risk assessment and lending approval

• Assist with equity release or refinance applications

An accurate valuation helps avoid lending delays, ensures compliance, and provides peace of mind during one of the biggest financial decisions you’ll make.

​

What’s Included in a Propti Mortgage Valuation Report

Each report includes:

• A complete property inspection by a certified valuer

• Analysis of comparable market sales and local trends

• Summary of land, building, and improvement details

• Verified valuation amount and risk commentary for lenders

• Turnaround times designed to meet finance approval deadlines

If you’re building or renovating, complement your valuation with our QS Reports or Stage Inspections to verify costs and project progress.

​

Why Choose Propti for Your Mortgage Valuation

• Lender-approved valuers across every Australian state and territory

• Fast turnaround, reports often completed within days

• Online ordering and digital delivery for convenience

• Transparent pricing with no hidden fees

• Trusted nationwide by brokers, lenders, and property buyers

​

Get Your Mortgage Valuation Started

Avoid delays with your home loan approval book your mortgage valuation today.
Simply provide your property details and loan purpose, and we’ll connect you with a qualified valuer who meets your lender’s requirements.

​

[Order a Mortgage Valuation Now →] or Contact Us for an instant quote.

​

FAQs — Mortgage Purpose Valuations

1. What is a mortgage valuation?
A mortgage valuation is a professional assessment of a property’s market value, conducted by a certified valuer on behalf of a bank or lender to ensure the loan amount aligns with the property’s true worth.

2. How is a mortgage valuation different from a market appraisal?
A market appraisal is an estimate from a real estate agent, while a mortgage valuation is an independent, evidence-based report prepared by a certified valuer. Only a formal valuation is accepted by lenders.

​

3. How long does a mortgage valuation take?
Most valuations are completed within 2–4 business days, depending on the property’s location, access, and the lender’s turnaround requirements.

​

4. Can I use an old valuation for a new loan?
Usually not. Lenders require a current valuation that reflects the property’s market conditions at the time of your loan or refinance application.

​

5. Who organises the mortgage valuation — me or the bank?
In most cases, your lender or mortgage broker will order the valuation through their approved panel of valuers. However, with Propti, you can also arrange one independently to check your property’s value before applying for finance.

​

6. How much does a mortgage valuation cost?
Costs vary based on property type and location, but typically range between $300–$700. At Propti, you’ll receive an upfront quote with no hidden fees.

​

7. Will the valuer come inside my property?
Yes, for full valuations. The valuer inspects the property’s condition, layout, and improvements to provide an accurate figure. Some lenders may also accept desktop or kerbside valuations for lower-risk applications.

​

8. What happens if my valuation comes back lower than expected?
If the valuation is lower than your purchase price, your loan-to-value ratio (LVR) may increase — meaning you may need a higher deposit or may face lender’s mortgage insurance (LMI). You can also request a second opinion or independent review.

​

9. Are Propti valuations accepted by banks and lenders?
Yes. All Propti valuations are completed by certified valuers recognised by Australian lenders and meet professional standards required for mortgage and refinance purposes.

​

10. Can I use a Propti valuation for refinancing or equity release?
Absolutely. We provide independent valuations that support refinance, equity release, and top-up loans, helping you understand your property’s borrowing potential before applying with your bank.