Desktop Valuation Criteria

The following properties are considered not suitable for a desktop valuation:

  • No online visibility of the property or property attributes.
  • Postcodes outside mainland UK
  • Postcodes in Northern Ireland
  • Property values in excess of £1m outside M25 or £1.5m inside M25(prime central London on
    a case by case basis).
  • New build property (built in last 24 months)
  • +4 bedrooms (BTL only)
  • HMO’s (including student lets)
  • Studio flats
  • Flats in blocks +6 storeys
  • Flats with cladding
  • Commercial property
  • Multi‐Unit Freehold Blocks
  • Shared ownership
  • Occupancy / age restrictions
  • Significant land (+2 acres)
  • Listed buildings
  • Modern methods of construction (MMC)
  • Short leases (<85 years)
  • EPC rating F/G or no valid EPC (BTL only)
  • Properties above or adjacent to commercial premises
  • Suspected Flying freehold (+20%)
  • Properties subject to renovation / refurbishment
  • Suspected Poor condition
  • Properties in areas known, or suspected to be subject to:
    - High or extreme flood risk
    - coastal erosion risk
    - structural / subsidence issues
    - Mundic
    - contaminated land
    - Electro Magnetic Field’s (EMF’s)

Additional Exclusions (outside current lending criteria)

  • Postcodes outside mainland UK
  • Postcodes in Northern Ireland
  • HMO’s (including student lets)
  • Studio flats
  • Flats with cladding
  • Commercial property
  • Multi‐Unit Freehold Blocks
  • Properties above or adjacent to commercial premises
Website Contact Profile

Call us today to discuss your case

Speak to our Telephone Business Development Team on 0121 521 4000 or email us and we'll call you back! Alternatively, you can find out who your local Business Development Manager is here.

Our lines are open:

Monday - Friday: 9:00 - 17:00
Saturday - Sunday: Closed
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