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Answers for Scotland

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Question: 4.1.1. 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 We would normally supply you with a copy if the borrower has paid a valuation fee and we have carried out a physical inspection of the property.
Adam & Company Yes, we supply.
Adam & Company International Yes, we supply.
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
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, if appropriate and we provide it.
Bank of China Yes.
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 do not supply a copy of the valuation report to solicitors. Where possible, you must obtain a copy of the valuation report we have provided to your customer. However, we may not always arrange for a physical inspection of the property or the valuation report may be in an electronic format that cannot be forwarded. If the customer has not been provided with a copy of the valuation report and we have accepted a valuation based on the Generic Mortgage Valuation contained in the Home Report, you should refer to that valuation or, if the loan is a remortgage, make appropriate enquiries of the customer.
Bank of Scotland Beginning O We do not supply a copy of the valuation report to solicitors. Where possible, you must obtain a copy of the valuation report we have provided to your customer. However, we may not always arrange for a physical inspection of the property or the valuation report may be in an electronic format that cannot be forwarded. If the customer has not been provided with a copy of the valuation report and we have accepted a valuation based on the Generic Mortgage Valuation contained in the Home Report, you should refer to that valuation or, if the loan is a remortgage, make appropriate enquiries of the customer.
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 do not supply a copy of the valuation report to solicitors. Where possible, you must obtain a copy of the valuation report we have provided to your customer. However, we may not always arrange for a physical inspection of the property or the valuation report may be in an electronic format that cannot be forwarded. If the customer has not been provided with a copy of the valuation report and we have accepted a valuation based on the Generic Mortgage Valuation contained in the Home Report, you should refer to that valuation or, if the loan is a remortgage, make appropriate enquiries of the customer.
Bluestone Mortgages Yes. The report will be provided electronically where possible.
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 In some instances an Automated Valuation (AVM) 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.
Chelsea Building Society (a trading name of Yorkshire BS) If the borrower has paid a valuation fee and we have carried out a physical inspection we would normally supply you with a copy.
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 supply.
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.
Darlington Building Society Yes - if we say there is in our letter asking you to act on our behalf.
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.
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 valuation report will be provided if a full mortgage valuation has been carried out. The mortgage offer will state where a full valuation has not been carried out. The solicitor should not rely on a valuation report provided by the applicant.
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
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.
Halifax We do not supply a copy of the valuation report to solicitors. Where possible, you must obtain a copy of the valuation report we have provided to your customer. However, we may not always arrange for a physical inspection of the property or the valuation report may be in an electronic format that cannot be forwarded. If the customer has not been provided with a copy of the valuation report and we have accepted a valuation based on the Generic Mortgage Valuation contained in the Home Report, you should refer to that valuation or, if the loan is a remortgage, make appropriate enquiries of the customer.
Halifax Loans Ltd We do not supply a copy of the valuation report to solicitors. Where possible, you must obtain a copy of the valuation report we have provided to your customer. However, we may not always arrange for a physical inspection of the property or the valuation report may be in an electronic format that cannot be forwarded. If the customer has not been provided with a copy of the valuation report and we have accepted a valuation based on the Generic Mortgage Valuation contained in the Home Report, you should refer to that valuation or, if the loan is a remortgage, make appropriate enquiries of the customer.
Hampden & Co. plc Yes, we provide it.
Handelsbanken Yes, in most cases, and if so we will provide it.
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.
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 do not supply a copy of the valuation report to solicitors. Where possible, you must obtain a copy of the valuation report we have provided to your customer. However, we may not always arrange for a physical inspection of the property or the valuation report may be in an electronic format that cannot be forwarded. If the customer has not been provided with a copy of the valuation report and we have accepted a valuation based on the Generic Mortgage Valuation contained in the Home Report, you should refer to that valuation or, if the loan is a remortgage, make appropriate enquiries of the customer.
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.
Kensington Mortgage Company Ltd Where a Valuation report is obtained, the report will be sent with the offer documents.
Landbay Partners Limited Yes. We will send you a copy of the valuation report along with the offer and your instructions
Landmark Mortgages Limited A valuation report is obtained for mortgage purposes only.

A copy of the valuation report is sent to the borrower only and we will not send a copy to you.
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. 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
surveyor’s 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 40 We do not supply a copy of the valuation report to solicitors. Where possible, you must obtain a copy of the valuation report we have provided to your customer. However, we may not always arrange for a physical inspection of the property or the valuation report may be in an electronic format that cannot be forwarded. If the customer has not been provided with a copy of the valuation report and we have accepted a valuation based on the Generic Mortgage Valuation contained in the Home Report, you should refer to that valuation or, if the loan is a remortgage, make appropriate enquiries of the customer.
Lloyds Bank plc pre fixed 50 We do not supply a copy of the valuation report to solicitors. Where possible, you must obtain a copy of the valuation report we have provided to your customer. However, we may not always arrange for a physical inspection of the property or the valuation report may be in an electronic format that cannot be forwarded. If the customer has not been provided with a copy of the valuation report and we have accepted a valuation based on the Generic Mortgage Valuation contained in the Home Report, you should refer to that valuation or, if the loan is a remortgage, make appropriate enquiries of the customer.
Lloyds TSB Scotland plc We do not supply a copy of the valuation report to solicitors. Where possible, you must obtain a copy of the valuation report we have provided to your customer. However, we may not always arrange for a physical inspection of the property or the valuation report may be in an electronic format that cannot be forwarded. If the customer has not been provided with a copy of the valuation report and we have accepted a valuation based on the Generic Mortgage Valuation contained in the Home Report, you should refer to that valuation or, if the loan is a remortgage, make appropriate enquiries of the customer.
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 valuation will be sent to the customer in all cases.
Magellan Homeloans Where a valuation report is obtained, the report will be provided with the Mortgage Offer.
Masthaven Bank Yes. The report will be provided electronically where possible.
Metro Bank Plc No - the valuation report is for the lender only and a copy will not be provided.
Mortgage Agency Services Yes
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 4.1.2 and 4.1.3. Otherwise the checks in section 4.1.2 and 4.1.3 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 you with a copy.
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 and we will not send a copy to you.
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.
Platform (a trading name of The Co-operative Bank p.l.c.) Yes, this forms part of your mortgage instructions.
Precise Mortgages (Charter Court Financial Services Ltd) Yes, electronically where possible.
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 Building Society A copy of the report should be obtained from the borrower(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).
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 - we supply.
The Mortgage Business We do not supply a copy of the valuation report to solicitors. Where possible, you must obtain a copy of the valuation report we have provided to your customer. However, we may not always arrange for a physical inspection of the property or the valuation report may be in an electronic format that cannot be forwarded. If the customer has not been provided with a copy of the valuation report and we have accepted a valuation based on the Generic Mortgage Valuation contained in the Home Report, you should refer to that valuation or, if the loan is a remortgage, make appropriate enquiries of the customer.
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 Yes, we supply.
The Royal Bank of Scotland plc Virgin One We supply a valuation report directly to the Borrower.
Topaz Finance Ltd Usually. This will be enclosed with the offer documentation, however, if the valuation type undertaken was an Automated Valuation (Desktop) or a Drive by Assessment, a copy of the report will not be provided. Please contact Mortgage Services, if you have any questions.
TSB Bank plc We do not supply a copy of the valuation report to solicitors. Where possible, you should obtain a copy from the customer. However, we may not always arrange for a physical inspection of the property or the valuation report may be in an electronic format that cannot be forwarded. If the customer has not been provided with a copy of the valuation report and we have accepted a valuation based on the Generic Mortgage Valuation contained in the Home Report, you should refer to that valuation or, if the loan is a remortgage, make appropriate enquiries of the customer.
UCB Home Loans Corporation Ltd Yes - unless specified in the offer 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.
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 We normally supply you with a copy if we carry out a physical inspection of the property.