Answers for England and Wales

Back to previous page

Question: 4.1. Is there a valuation report and if so, does the lender provide it?

Lender Answer
Accord Buy to Let Yes. A copy of the valuation report will be supplied along with a copy of the mortgage offer.
Accord Mortgages Ltd If we have carried out a physical inspection of the
interior of the property there will normally be a valuation report. If the borrower has paid a valuation fee we would normally supply you with a copy.
Adam & Company Yes, we provide it

Adam & Company International Yes, we provide it

Ahli United Bank (UK) plc Yes
Aldermore Bank PLC An inspection of the property is not arranged in every instance. If you receive a copy of a report, please utilise this as part of your checks outlined in sections 4.2 and 4.3. If no report is received the checks in section 4.2 and 4.3 should be against the information in the mortgage offer. Please do not request a copy of the valuation if one has not been provided to you
Allied Irish Bank (GB), a trading name of AIB Group (UK) Yes
April Mortgages Yes. The report will be provided where possible. Where an automated valuation model or desk top has been used, this will not be provided.
Atom Bank plc Where a physical valuation of the property has been completed, this will be provided automatically to the STARS system record relating to the application. Where an online valuation has been undertaken, no report will be provided.
Aviva Equity Release UK Ltd Yes and we provide it.
Bank of China Yes
Bank of Ireland (UK) plc If we instruct a Valuer to carry out a physical inspection of the property then a copy of the valuation report obtained will be provided.
Bank of Ireland as Bank of Ireland Mortgages If we instruct a Valuer to carry out a physical inspection of the property then a copy of the valuation report obtained will be provided.
Bank of Scotland Beginning A We may not arrange for a physical inspection of the property.

Where a valuation report is obtained this will be in an electronic format that cannot be forwarded. You must obtain a copy of the valuation report we have provided to your customer(s).
Bank of Scotland Beginning O We may not arrange for a physical inspection of the property.

Where a valuation report is obtained this will be in an electronic format that cannot be forwarded. You must obtain a copy of the valuation report we have provided to your customer(s).
Bank of Scotland Private Banking  
Barclays Bank UK PLC Only in instances where a property is being purchased via a ‘special scheme’ (Shared Ownership, Shared Equity or Discounted Market Value/Sale) must you request a copy of the valuation report and check there are no discrepancies.
In some instances, where a physical inspection has not been undertaken, you may not receive a copy of an actual report but instead receive confirmation that the purchase price/estimated value has been supported by the valuation. The valuation figure must not be disclosed to the applicant(s).
Barnsley Building Soc, a trading name Yorkshire Building Soc If we carried out a physical inspection of the interior of the property there will normally be a valuation report.

If the borrower has paid a valuation fee we would normally supply you with a copy.
Birmingham Bank Yes
Birmingham Midshires We may not arrange for a physical inspection of the property.

Where a valuation report is obtained this will be in an electronic format that cannot be forwarded. You must obtain a copy of the valuation report we have provided to your customer(s).
Bluestone Mortgages Yes. The report will be provided electronically where possible. Where an automated valuation model has been used, this will not be provided.
Bradford & Bingley Limited Yes, we provide in the case of a new mortgage, but not for reinspection reports or further loans
Britannia, a trading name of The Co-operative Bank plc In some instances an Automated Valuation will have been used therefore no Mortgage Valuation report will be supplied. If a mortgage valuation has been done a copy of the report will be supplied.
Buckinghamshire Building Society A copy of the valuation report is sent to the solicitor with the mortgage offer. If you get a copy of the valuation report from the borrower , we do not expect you to check the content of that report matches the information we hold. For the avoidance of doubt, regardless of where the report is obtained from, you must carry out the checks detailed in S4.2 and S4.3.
Chelsea Building Society (a trading name of Yorkshire BS) If we have carried out a physical inspection of the interior of the property there will normally be a valuation report. If the borrower has paid a valuation fee we would normally supply you with a copy.
CHL Mortgages Yes and we do provide it.
Clydesdale Bank plc Where a valuation has been a requirement of the borrowing, yes. We'll upload it to the portal for you to access. But it mustn't be passed to the borrower as it's obtained for our purposes only.
Co-operative Bank plc We do not provide a copy of the valuation report to the firm acting for us. However, relevant valuer's comments, if any, are provided in the Mortgage Offer, a copy of which the firm will receive.
Coutts Yes, we provide it
Coutts Finance Co Yes and we provide it
Coventry Building Society A valuation summary will be included in the mortgage offer for a house purchase if we have carried out a physical inspection of the property.
Cynergy Bank Yes.
Danske Bank A Valuation Report will usually be sought for all properties offered as security. Where a Valuation Report is obtained, we will inform you of this within our Special Conditions.

Where we have confirmed that we are to provide you with a Valuation Report you must not complete the transaction until you have had sight of the Valuation Report and you can confirm that your Certificate of Title is unaffected.
Darlington Building Society Yes. A copy of the valuation report will be supplied along with a copy of the mortgage offer .
DB UK Bank Ltd Yes
Dudley Building Society An inspection of the property is not always arranged if a remortgage. If a valuation has been carried out on our behalf a copy should be obtained from the borrower. If you get a copy of the report from the borrower, we do not expect you to check the content of the report matches the information we hold. For the avoidance of doubt, regardless of where the report is obtained from, you must carry out the checks detailed in s4.2 and 4.3
Ecology Building Society Yes, the Society will provide you with a copy of the valution report
Family Building Soc (a trading name of National Counties BS) If a purchase - yes.
If a remortgage or further advance - not in every case.
First Direct A valuation for mortgage purposes will have been undertaken, though this may not be based on a physical inspection of the property. A copy of the valuation report will be sent to you with a copy of the Mortgage Offer. The valuation report is obtained for mortgage purposes only and should not be passed to the borrower. Note: where the name of the valuer in Section 9 of the valuation report is specified as SDLAVM or SDLMDV, you should disregard and must not raise queries regarding the information in Sections 2 to 7 inclusive and section 10. You should refer to sections 1 Applicant and Property Address and 9 Recommendation only.
Fleet Mortgages The valuation report is provided. The report is for our benefit only and the borrower(s) should be made aware both of the limitations of our report and of the importance of seeking their own surveyors report.
Foundation Home Loans If we have carried out a physical inspection of the interior of the property a copy of the valuation report will be provided with the mortgage offer.

If we have not carried out a physical inspection we will not share a copy of the valuation report

Any valuation report obtained will be for our use and benefit only and cannot be relied upon by the borrower and you should make them aware of the limitations of the report and the importance of obtaining their own survey report of the property before proceeding with any transaction.
Furness Building Society A copy of the valuation report will be provided if a full valuation has been carried out. The mortgage offer will state where a full valuation report has not been obtained. The solicitor should rely on the report provided by the Society, not any report provided by the applicant and should contact the Society should a report not have been provided.
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Gen H The valuation report will be provided to you with the mortgage offer unless we inform you otherwise.
Godiva Mortgages Ltd A valuation summary will be included in the mortgage offer for a house purchase if we have carried out a physical inspection of the property.
Habito If a physical valuation has been carried out this will be provided with the offer pack.
Halifax We may not arrange for a physical inspection of the property.

Where a valuation report is obtained this will be in an electronic format that cannot be forwarded. You must obtain a copy of the valuation report we have provided to your customer(s).
Halifax Loans Ltd We may not arrange for a physical inspection of the property.

Where a valuation report is obtained this will be in an electronic format that cannot be forwarded. You must obtain a copy of the valuation report we have provided to your customer(s).
Hampden & Co. plc Yes, we provide it.
Handelsbanken Yes, in most cases and if so we will provide it.
Harpenden Building Society Yes and we provide it.

Hinckley and Rugby Building Society The Society obtains an assessment of the property from an independent valuer for whom it accepts no liability.

If the advance relates to a PURCHASE transaction you will receive a copy of the Property Assessment Report which has been prepared for the Society. You must advise the borrower to obtain their own independent report.
Hodge Yes, A copy of the report will form part of, and may be referred to, in your instructions. The mortgage valuation is for our use only, therefore the borrower should not rely upon it when making their decision to proceed or not.
Hodge Equity Release Yes, A copy of the report will form part of, and may be referred to, in your instructions. The mortgage valuation is for our use only, therefore the borrower should not rely upon it when making their decision to proceed or not.
Holmesdale Building Society Yes.
HSBC UK Bank plc A valuation for mortgage purposes will have been undertaken, though this may not be based on a physical inspection of the property. A copy of the valuation report will be sent to you with a copy of the Mortgage Offer. The valuation report is obtained for mortgage purposes only and should not be passed to the borrower.

Note: where the name of the valuer in Section 9 of the valuation report is specified as SDLAVM or SDLMDV, you should disregard and must not raise queries regarding the information in Sections 2 to 7 inclusive and section 10. You should refer to sections 1 Applicant and Property Address and 9 Recommendation only.
Intelligent Finance We may not arrange for a physical inspection of the property.

Where a valuation report is obtained this will be in an electronic format that cannot be forwarded. You must obtain a copy of the valuation report we have provided to your customer(s).
Investec Bank plc Yes
ITL Mortgages A valuation summary will be included in the mortgage offer for a house purchase if we have carried out a physical inspection of the property.
JPMorgan Chase Bank, N.A. Yes, this forms part of your Mortgage Instructions unless stated otherwise.
Kensington Mortgage Company Ltd Where a Valuation report is obtained, the report will be sent with the offer documents.
Kent Reliance (a trading name of OneSavings Bank plc) Yes but we do not supply the valuation report to the solicitor.
Keystone Property Finance Yes - We will send you a copy of the valuation report. The report is for our benefit only and the borrower(s) should be made aware both of the limitations of our report and the importance of seeking their own surveyors report.
Landbay Partners Limited Where Landbay has instructed a formal valuation report for the property offered as security a copy of the Valuation Report will be provided with the formal offer of mortgage. The Mortgage Offer will state where a physical valuation has not been obtained. Where a copy of the Valuation Report has not been provided the checks required under Part 1 Section 4.2 and 4.3 should be made against the information contained in the mortgage offer. Please do not request a copy of the Valuation Report if it has not been provided to you.
Landmark Mortgages Limited The valuation report is obtained for mortgage purposes only.

A copy of the mortgage valuation is sent to the borrower only. We will not send a copy to you and you must obtain a copy from the borrower yourself.
Leeds Building Society Yes, we will provide you with a copy of the valuation report.

We require you to review any comments the valuer has added for the attention of the legal advisor to ensure these meet our requirements.
Legal & General Home Finance Ltd Yes and will be provided in each transaction.
LendInvest The valuation report is provided to us and we will provide a copy on request. The report is for our benefit only and the borrower(s) should be made aware both of the limitations of report and of the importance of seeking their surveyors report.
LiveMore Capital A copy of the valuation report will be sent with the offer documents to the conveyancer for purchase cases only.
Lloyds Bank plc pre fixed 20/40 We may not arrange for a physical inspection of the property.

Where a valuation report is obtained this will be in an electronic format that cannot be forwarded. You must obtain a copy of the valuation report we have provided to your customer(s).
Lloyds Bank plc pre fixed 50/30/77 We may not arrange for a physical inspection of the property.

Where a valuation report is obtained this will be in an electronic format that cannot be forwarded. You must obtain a copy of the valuation report we have provided to your customer(s).
Lloyds TSB Scotland plc We may not arrange for a physical inspection of the property.

Where a valuation report is obtained this will be in an electronic format that cannot be forwarded. You must obtain a copy of the valuation report we have provided to your customer(s).
M&S Bank A copy of the valuation will only be sent to you where you have requested this or the valuer has raised matters for your attention. A copy of the mortgage valuation report will not be disclosed to the customer.
Magellan Homeloans Where a valuation report is obtained, the report will be provided with the Mortgage Offer.
Manchester Building Society Yes.
Market Harborough Building Society Yes. If a valuation report has not been sent to you, ask us if an Automated Valuation Model report was undertaken. If so, a valuation report will not be provided.
Masthaven Bank Yes. The report will be provided electronically where possible.
Metro Bank plc We may not arrange for a physical inspection of the property, and therefore there will be no report. In any case, we do not supply you or the customer with a copy.
ModaMortgages Any valuation report will be provided to you. However, this must not be passed to the borrower(s) or intermediary as it is solely for our purposes. The borrower(s) should undertake their own survey if required.
Molo Finance Molo uses a combination of automated valuation model valuations and physical valuations. Where a physical valuation has been carried out we will provide a copy to the conveyancer.

You may choose to inform the Borrower that any valuation report is for our purpose only and must not be relied upon by the Borrower. The Borrower should be advised of the importance of instructing their own surveyor with suitable qualifications to conduct a survey for his purposes.
Monmouthshire Building Society Yes, There is always a physical inspection of the property and this yes, this will normally form part of your instructions and will be referred to in your instructions. The mortgage valuation is for our use only, therefore borrower’s should not rely upon it when deciding to purchase a property
Mortgage Agency Services Yes
Mortgage Express Yes. We provide in the case of a new mortgage, but not for reinspection reports or further loans
Mortgage Express No 2  
MPowered Mortgages We may provide a valuation report to you, for the purposes for the mortgage transaction. This is not to be shared with any other party including third party solicitor, borrower or broker.
National Counties Building Society If a purchase - yes.
If a remortgage or further advance - not in every case.
National Westminster Bank plc If we have carried out a physical inspection of the interior of the property a copy of the valuation report will be provided with the mortgage offer.

If we have not carried out a physical inspection we will not share a copy of the valuation report and questions in relation to the property should be addressed to the customer.
Nationwide Building Society Whilst an inspection of the property is not arranged in every instance if you receive a copy of a report please utilise this as part of your checks outlined in sections 4.2 and 4.3. Otherwise the checks in section 4.2 and 4.3 should be against the information in the mortgage offer. Please do not request a copy of the valuation report if it has not been provided to you.
Nedbank Private Wealth Ltd We will provide if required as part of the terms and conditions for the loan
New Street Mortgages Where a Valuation report is obtained, the report will be sent with the offer documents.
NRAM Ltd A valuation report is obtained for mortgage purposes only.

A copy of the valuation report is sent to the borrower only. We will not send a copy to you and you must obtain a copy from the borrower.
Paragon Buy to Let Mortgages Yes. You should ensure that you inform the Borrower that any valuation report is for our purpose only and must not be relied upon by the Borrower. The Borrower should be advised of the importance of instructing his own surveyor with suitable qualifications to conduct a survey for his purposes.
Paragon Residential Owner-Occupied Mortgages Yes. You should ensure that you inform the Borrower that any valuation report is for our purpose only and must not be relied upon by the Borrower. The Borrower should be advised of the importance of instructing his own surveyor with suitable qualifications to conduct a survey for his purposes.
Paratus AMC Ltd Yes, a copy of the report will be provided . Any valuation report obtained will be for our use and benefit only and cannot be relied upon by the borrower and you should make them aware of the limitations of the report and the importance of obtaining their own survey report of the property before proceeding with any transaction.
Parity Trust Yes, copy provided on request
Pepper Money Where Pepper Money has instructed a formal valuation report for the property offered as security, a copy of the valuation report obtained will be provided with the offer documents.
Pepper Money (PUK) Where Pepper Money has instructed a formal valuation report for the property offered as security, a copy of the valuation report obtained will be provided with the offer documents.
Perenna Perenna’s physical valuations are completed for mortgage lending purposes and as standard, we do not share the report. We may share the report by exception should there be areas of concern or where pertinent information requires us to do so.

Where an online or electronic valuation has been undertaken, no report is able to be provided.

If a valuation report is required, please contact our Mortgage team by either telephone: 0330 341 2013 or Email: conveyancing@perenna.co.uk
Platform (a trading name of The Co-operative Bank p.l.c.) Yes, this forms part of your Mortgage Instructions unless stated otherwise.
Precise Mortgages (Charter Court Financial Services Ltd) Yes - electronically where possible.
Principality Building Society We may not always arrange for a physical inspection of the property but whenever we do so, we shall share a copy of the valuation with you. If a valuation is provided you should compare this against the mortgage offer and if you have any issues that may require clarification/investigation please contact us using the details in 1.7.
The mortgage valuation is for our use only. Borrowers ought not to rely upon it when deciding whether to proceed to buy a property.
The details of any remote (desktop) valuation will not be shared with you.
Reliance Bank Ltd Yes & it a solicitors copy is provided
Rooftop Mortgages Ltd Yes.
Saffron Building Society We will provide the Conveyancer with a copy of the valuation in all cases.
Sainsbury's Bank The valuation report will be provided to you with our instructions unless we specifically inform you otherwise.
Santander UK plc Yes, in most cases. This will normally form part of your instructions and will be referred to in your instructions when it is provided to you.
Scottish Building Society A copy of the report should be obtained from the applicant(s).
Scottish Widows Bank We may not arrange for a physical inspection of the property.



Where a valuation report is obtained this will be in an electronic format that cannot be forwarded. You must obtain a copy of the valuation report we have provided to your customer(s).
Secure Trust Bank PLC A valuation will usually be sought for all properties offered as security. Where a valuation report is obtained, the report will be provided with the Mortgage Offer.
Skipton Building Society We provide a copy of the valuation in some cases, where a physical inspection has taken place. If not attached to your instructions, please refer to the Completions team via LMS Secure Link, who will confirm whether a physical valuation has been carried out
St James Place Bank Remortgages - No
All other lending - Yes
We may not always arrange for a physical inspection of the property.
State Bank of India UK If we have carried out a valuation of the property then a copy of the report will be enclosed with your instructions.
Swansea Building Society Yes
The Mortgage Business We may not arrange for a physical inspection of the property.

Where a valuation report is obtained this will be in an electronic format that cannot be forwarded. You must obtain a copy of the valuation report we have provided to your customer(s).
The Mortgage Lender Limited The valuation report will be provided to you with your instructions unless we specifically inform you otherwise.
The Mortgage Works Yes, a copy for the applicant is enclosed with your instructions
The Royal Bank of Scotland plc If we have carried out a physical inspection of the interior of the property a copy of the valuation report will be provided with the mortgage offer.

If we have not carried out a physical inspection we will not share a copy of the valuation report and questions in relation to the property should be addressed to the customer.
The Royal Bank of Scotland plc Direct Line Mortgages We supply a valuation report directly to the borrower.
The Royal Bank of Scotland plc Direct Line One We supply a valuation report directly to the borrower.
The Royal Bank of Scotland plc First Active We supply a valuation report directly to the Borrower.
The Royal Bank of Scotland plc Natwest one Account We supply a valuation report directly to the Borrower.
The Royal Bank of Scotland plc One Account We supply a valuation report directly to the Borrower.
The Royal Bank of Scotland plc Virgin One We supply a valuation report directly to the Borrower.
The Tipton & Coseley Building Society Yes.
Together Personal Finance Limited We may not arrange for a physical inspection of the property.
We do not provide a copy of the valuation report.
Topaz Finance Ltd Yes, this should have been enclosed with the offer documentation. Please contact Mortgage Services if missing.
TSB Bank plc We do not supply the valuation report to the solicitor.
Ulster Bank If we have carried out a physical inspection of the interior of the property a copy of the valuation report will be provided with the mortgage offer.

If we have not carried out a physical inspection we will not share a copy of the valuation report and questions in relation to the property should be addressed to the customer.
Vida Homeloans Where a Valuation report is obtained, the report will be sent with the offer documents.
Virgin Money Yes, we'll fax a copy to you. It mustn't be passed to the borrower as it's obtained for our purposes only.

If you don't receive it, call us on 0845 604 4858.

Whistletree (a trading name of TSB Bank plc) We do not supply the valuation report to the solicitor
Yorkshire Bank Home Loans Ltd Where a valuation has been a requirement of the borrowing, yes. We'll upload it to the portal for you to access. But it mustn't be passed to the borrower as it's obtained for our purposes only.
Yorkshire Building Society If we have carried out a physical inspection of the interior of the property there will normally be a valuation report. If the borrower has paid a valuation fee we would normally supply you with a copy.
Zephyr Homeloans Yes, this should have been enclosed with the offer documentation. Please contact Mortgage Services if missing.