Finance advice

What to do when you’re not satisfied with the bank valuation

By Bianca Dabu
property investments, bank valuation, market, finance

Many property investors often entrust property valuations to professionals, but knowing how they work can help you be more involved in the realisation of your investment potential.

One of the most important things to discuss when requesting a valuation for a residential property is the difference between bank valuation and market valuation.

According to the Australian Property Institute, market value is “the estimated amount for which an asset or liability should exchange on the valuation date between a willing buyer and a willing seller in an arm’s length transaction,” whereas bank valuation is the figure that a lender is willing to let an investor borrow for a particular asset. While these two values could be the same, banks tend to be more conservative to protect themselves in case they need to sell an asset quickly in the event of a foreclosure.

“This is why we have seen different valuations on the same property when the loan-to-value [LVR] ratio is different,” Simple Property Investment’s Nick Holden said. “Bank valuations can be significantly less if the purchaser is borrowing 95 per cent against a property than if they were borrowing 70 per cent [because] the risk to the lender is a lot greater.”

Property investors will do well to remember that valuers can form subjective opinions on the value of an asset.

What can you do when you’re not satisfied with the bank valuation?

1. Request a reassessment

While this rarely happens, it is not entirely impossible to acquire a reassessment of the bank valuation. You will only need to provide documents to support the request, like comparable properties with higher values.

2. Try another lender

You can always cancel the finance application and find another lender to work with.

Nick shared: “The biggest difference we have witnessed so far was a North Melbourne apartment [with a purchase price of $397,000] that was valued by one lender at $308,000. The finance broker took the application to a different lender, which returned a valuation of $385,000—all within 48 hours.”

3. Find out the market valuation

If you believe that a real estate asset is overpriced as a result of low bank valuation, ask an independent valuation company to determine its market valuation. While this could give you a true valuation, it is important to remember that individual valuers can also be subjective.

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Media hype would have you believe that the Australian property market is in dire circumstances at the moment and that there is no money to be made.  But is that really the case?

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In this episode of the Smart Property Investment Show, regular guests Steve and Victor of Right Property Group join host Phil Tarrant to discuss the current state of the Australian property market as it is portrayed in the media, and analyse if things are as dire as we are being led to believe.

They will compare regional markets with capital cities as investment options, reveal some areas which they consider to be poor investments at the moment while also discussing some of the markets where they see future potential.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Surfers Paradise

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(53) "Finance Tips and Insights - Smart Property Investment" ["menu-meta_description"]=> string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit." ["secure"]=> int(0) ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-09-10 06:23:01" ["slug"]=> string(61) "18524:busting-perceptions-of-a-doom-and-gloom-property-market" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(81) "/investor-stories-1/18524-busting-perceptions-of-a-doom-and-gloom-property-market" }
Busting perceptions of a doom and gloom property market

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