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Question: 4.1.1. Do I get the valuation report?
| Lender | Answer |
|---|---|
| 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. |
| 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 Ireland (UK) plc |
Providing we have instructed a Valuer to carry out a physical inspection of the property a valuation report will be provided. |
| Bank of Ireland as Bank of Ireland Mortgages |
Providing we have instructed a Valuer to carry out a physical inspection of the property a valuation report 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). |
| 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). |
| 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). |
| Bradford & Bingley Limited |
Yes 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 |
Yes, we supply a copy with the offer of Advance |
| 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 |
| 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. |
| Coventry Building Society | Yes - You will be provided with a valuation summary for house purchase only within the Key Facts offer document. |
| 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. |
| DB UK Bank Ltd | Yes |
| Ecology Building Society |
Yes |
| 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. |
| First Trust Bank | Yes, you will be furnished with a copy of the valuation report in your solicitors pack where applicable. |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Godiva Mortgages Ltd | Yes - You will be provided with a valuation summary for house purchase only within the Key Facts offer document. |
| 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 | |
| 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. |
| HSMS |
Yes in the case of a new mortgage, but not for reinspection reports or further loans. |
| 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). |
| ITL Mortgages | Yes - You will be provided with a valuation summary for house purchase only within the Key Facts offer document. |
| Kensington Mortgage Company Ltd | Where a Valuation report is obtained, the report will be sent with the offer documents. |
| 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 so 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. |
| Lloyds Bank 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). |
| 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 report will only be sent to you where you have requested it or the valuer has raised matters for your attention. A copy of the valuation report will be sent to customers in all cases |
| Mortgage Express |
Yes in the case of a new mortgage, but not for reinspection reports or further loans. |
| Mortgage Express (No 2) |
Yes in the case of a new mortgage, but not for reinspection reports or further loans. |
| 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 4.1.1.1 and 4.1.1.2. Otherwise the checks in section 4.1.1.1 and 4.1.1.2 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. |
| New Street Mortgages | Where a Valuation report is obtained, the report will be sent with the offer documents. |
| NRAM Ltd |
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 so you must obtain a copy from the borrower yourself. |
| Platform (a trading name of The Co-operative Bank p.l.c.) |
Yes, this forms part of your mortgage instructions |
| Rooftop Mortgages Ltd |
Yes |
| 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 them if it is provided to you. |
| Scottish Widows Bank | No. |
| 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 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. |
| TSB Bank plc | We do not provide the valuation report to the solicitor. |
| UCB Home Loans Corporation Ltd |
Yes - unless specified in the conditions. |
| 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. |
| Virgin Money |
Yes, we’ll email a copy to you. It mustn’t be passed to the borrower as its obtained for our purposes only. If you don’t receive it, call us on 0845 604 4858 |
| 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. |