Desktop Property Valuations from $595: Where They Can Be Used (and When They Can’t)

Desktop property valuations have become a popular option for property owners, investors, accountants, and advisers who need a fast, cost-effective valuation without the need for a physical inspection.

At Propti, desktop valuations start from $595, making them an efficient solution for many common valuation scenarios — provided they’re used in the right context.

This guide explains:

• what a desktop valuation is

• how it works

• where it can be used (including stamp duty)

• and when a full inspection valuation is required

What Is a Desktop Property Valuation?

A desktop valuation is a formal property valuation completed without an onsite inspection. Instead, the valuer assesses the property using reliable third-party data, including:

• recent comparable sales

• satellite imagery and mapping tools

• council records and zoning information

• planning controls and overlays

• property history and market conditions

Importantly, desktop valuations are still completed by a Certified Practising Valuer (CPV) and prepared in line with professional valuation standards. The difference lies in the method of inspection, not the qualification or independence of the valuer.

Why Desktop Valuations Start at $595

Because no physical inspection is required, desktop valuations:

• reduce time and travel costs

• rely on established market data

• allow valuers to work more efficiently

This enables Propti to offer desktop valuations from $595, with typical turnaround times of 1–3 business days, depending on property type and location.

They are best suited to standard residential properties where sufficient market evidence is available.

Where Desktop Valuations Can Be Used

Desktop valuations are widely accepted for a range of advisory, planning, and transactional purposes.

✔ Refinancing (Subject to Lender Requirements)

Some lenders accept desktop valuations for:

• lower loan-to-value ratio (LVR) refinances

• low-risk residential properties

• internal equity assessments

Lender acceptance varies, so it’s important to confirm requirements before proceeding.

✔ Property Portfolio Reviews

Desktop valuations are commonly used by:

• property investors

• accountants

• financial advisers

They’re ideal for:

• tracking portfolio performance

• estimating equity positions

• strategic planning and forecasting

✔ Stamp Duty Valuations

One of the most common and practical uses for a desktop valuation is stamp duty purposes, particularly where there is no open market sale.

Stamp duty valuations are often required when:

• property is transferred between family members

• assets move between related entities or trusts

• property is gifted

• ownership changes as part of estate planning

• transfers occur at below-market value

In these situations, revenue authorities typically assess duty based on market value, not the transfer price. A desktop valuation provides an independent market value assessment without unnecessary inspection costs.

For standard residential properties, a desktop valuation from $595 is often sufficient to support stamp duty calculations, subject to the revenue authority’s requirements.

✔ Capital Gains Tax (CGT) Planning

Desktop valuations can be used to:

• estimate market value at a specific date

• support CGT planning and modelling

• assist accountants with preliminary advice

For formal disputes or ATO submissions, a full inspection valuation may still be required.

✔ Family Law & Asset Planning (Preliminary Advice)

Desktop valuations are frequently used for:

• early-stage family law discussions

• asset pool planning

• negotiation support

They are generally not suitable for court proceedings, but can help parties understand likely value ranges before commissioning a full valuation.

✔ Probate & Estate Planning

Executors and advisers often use desktop valuations for:

• estate planning

• internal asset distribution discussions

• indicative reporting

They provide a reliable market snapshot without delay.

✔ SMSF & Accounting Advice

Desktop valuations are commonly used for:

• SMSF planning

• internal reporting

• compliance preparation

Acceptance depends on the specific audit or reporting requirement.

✔ Pre-Purchase & Pre-Sale Decision Making

Desktop valuations are ideal for:

• buyers wanting an independent value check

• sellers seeking a realistic price guide

• avoiding overpaying or underpricing

They’re particularly useful prior to auctions or private sale campaigns.

When a Desktop Valuation Is Not Suitable

A desktop valuation may not be appropriate if the property:

• is prestige or highly unique

• has recent renovations not reflected in public data

• includes development potential or complex zoning

• is required for litigation or court proceedings

• is in a thin or highly volatile market

In these cases, a full inspection valuation is usually required.

Propti will always advise upfront if a desktop valuation is not the right option, saving you time and money.

Desktop vs Full Valuation: Key Differences

Desktop Valuation	Full Inspection Valuation
No physical inspection	Onsite inspection
Faster turnaround	More detailed analysis
Lower cost (from $595)	Higher cost
Suitable for many advisory uses	Required for legal & complex matters

Both are completed by qualified valuers — the difference is depth and application, not credibility.

Why Choose Propti for Desktop Valuations?

✔ Certified Practising Valuers✔ Desktop valuations from $595✔ Fast turnaround times✔ Clear guidance on suitability✔ Australia-wide service

Most importantly, Propti focuses on getting the right valuation for the right purpose, not overselling the wrong product.

Is a Desktop Valuation Right for You?

If you need:

• a quick turnaround

• a cost-effective valuation

• an independent, professional opinion

A desktop property valuation from $595 may be the right solution.

Speak to Propti today to confirm whether a desktop valuation is suitable for your property and intended use.