Do you need to clean your home before a bank valuation?

In this week’s FUNdamental Friday, Ben Kingsley is joined by Neal Ellis from Preston Rowe Paterson to lift the curtain on how bank valuations actually work.

Many property owners assume valuers are looking for spotless homes, premium finishes and perfect presentation.

The reality is very different.

Neal explains what banks really want from a valuation, why speed of access matters more than a clean house, how comparable sales drive valuation outcomes, and what risk factors lenders pay attention to when assessing a property.

You’ll learn:

✅ The difference between a bank valuation and an agent appraisal
✅ Why valuers focus on a 30-60 day sale outcome
✅ How comparable sales influence value
✅ What you can do to help the valuation process
✅ The risk factors that banks assess
✅ Why presentation isn’t nearly as important as people think
✅ Which upgrades may (or may not) add value

Because sometimes the best thing you can do for your valuation is simply open the front door.

 

 

⏱️Timestamps

0:00 The best thing you can do before a valuation
0:37 Why bank valuations differ from agent appraisals
1:14 The 30-60 day valuation rule
2:08 Can homeowners help the valuer?
2:47 The biggest valuation misconception
3:37 What actually happens during an inspection?
4:32 Why valuers take photos
5:07 Valuing tenanted properties
6:20 What valuers assess
6:56 Understanding property risk ratings
7:55 Which upgrades add value?
8:34 Final takeaways 

 

 

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