Frequently Asked Secured Lending Questions

Secured lending valuations are typically required by:

• Banks and building societies

• Private lenders and challenger banks

• Bridging finance providers

• Development and mezzanine lenders

• Borrowers arranging finance where an independent valuation is required

Both lenders and borrowers may instruct valuations, depending on the funding structure.

For secured lending, the valuation must be demonstrably independent, objective, and evidence-based. Lenders rely on valuations to assess risk and loan-to-value ratios, and reports may be subject to audit or professional scrutiny. Independence ensures confidence in the figure reported.

Yes. Secured lending valuations are prepared in accordance with the Royal Institution of Chartered Surveyors (RICS) Valuation – Global Standards (the “Red Book”). These standards set out mandatory requirements covering methodology, reporting, ethics, and independence.

ISecured lending valuations can be provided for a wide range of property types, including:

• Residential property

• Buy-to-let investments

• Mixed-use buildings

• Retail, office and industrial property

• Development sites and land

• Specialist and secondary assets

Each valuation is tailored to the specific asset and lending purpose.

Most secured lending valuations are prepared on the basis of Market Value, assuming a willing buyer and seller acting knowledgeably and without compulsion. Where required, alternative bases (such as Market Rent or special assumptions) can be reported, subject to lender instructions.

An estate agent’s appraisal is an informal marketing opinion. A secured lending valuation is a formal, regulated professional report, supported by comparable evidence, analysis, and clear assumptions. It is prepared to withstand scrutiny from lenders, auditors, and regulators.

A secured lending valuation report typically includes:

• Description of the property and location

• Tenure and legal assumptions

• Condition and accommodation details

• Market commentary

• Comparable sales and/or lettings evidence

• Valuation methodology and conclusion

• Key risks and matters affecting value

The level of detail is aligned with lender requirements.

Timescales depend on the property type, location, and complexity. In straightforward cases, reports are often completed within a few working days of inspection. More complex assets or development sites may require longer.

Olden Property undertakes secured lending valuations across London, the South East, and the wider UK, depending on the nature of the instruction and property type.

To instruct a secured lending valuation, you can contact Olden Property directly to discuss the property, lending purpose, and reporting requirements. We will confirm scope, fees, timescales, and compliance before proceeding.