Secured Lending Valuations by a RICS Registered Valuer
Independent valuations you can rely on for lending decisions
When property is used as security for lending, accuracy and independence are critical. A secured lending valuation provides an objective assessment of a property’s market value, prepared to support lending decisions and withstand scrutiny from lenders, borrowers and professional advisers.
At Olden Property, Tom Olden provides secured lending valuations across the residential, commercial and mixed-use sectors. Each valuation is prepared in accordance with RICS standards, with a clear focus on risk, market evidence and lender requirements.
What is a secured lending valuation?
A secured lending valuation is an independent opinion of value prepared for the purpose of lending against a property. It is relied upon by banks, private lenders, bridging finance providers and other funders to assess loan-to-value ratios and overall lending risk.
Unlike informal appraisals or automated estimates, a secured lending valuation is evidence-based, fully reasoned and professionally accountable.
When is a secured lending valuation required?
Secured lending valuations are commonly required for:
Bank and challenger bank lending
Private and specialist lending
Bridging finance
Development and refurbishment funding
Re-financing and loan restructuring
Portfolio lending secured against multiple assets
Valuations can be prepared for residential, commercial and mixed-use properties, including owner-occupied and investment assets.
How Olden Property approaches secured lending valuations
Every instruction is treated on its own merits. Tom takes time to understand the property, the proposed lending structure and the specific requirements of the lender.
Each valuation includes:
A clear statement of purpose and basis of value
Detailed inspection and analysis of the property
Assessment of tenure, lease terms and income where relevant
Review of comparable transactional evidence
Commentary on market conditions and risks
A reasoned and defensible opinion of value
The emphasis is always on clarity, realism and professional judgement rather than optimism.
Why instruct Olden property?
Tom Olden is a Chartered Surveyor and RICS Registered Valuer with extensive experience acting for lenders, investors and property owners. His advice is trusted because it is independent, balanced and grounded in market evidence.
Clients value:
Direct involvement from an experienced valuer
Clear, concise reporting tailored to lending needs
Strong local and regional market knowledge
Reports that stand up to internal and external review
Olden Property is regularly instructed where certainty is required and where valuations may be relied upon in high-value or time-sensitive lending decisions.
Areas covered
Secured lending valuations are undertaken across Kent, Sussex, Surrey, London and the South East, with instructions considered further afield where appropriate.
Instructing a secured lending valuation
If you are a lender, broker or borrower requiring a secured lending valuation, Olden Property can advise on scope, timescales and fees at the outset.
To discuss a secured lending valuation or to make an instruction, please get in touch directly.
Clear advice. Independent judgement. Valuations you can rely on.
“If you are borrowing against a property, refinancing an existing facility or arranging new funding, it is essential to take advice from an independent valuer. The value attributed to a property directly influences loan-to-value ratios, lending terms and overall risk, and even small variations can have a significant financial impact.
Once a loan is agreed, the valuation relied upon may remain in place for the duration of the facility, particularly for medium-term or structured lending. It is therefore important to be confident that the figure reflects true market value and is supported by clear, robust evidence.
The same applies to lenders. As security for a loan, property must be assessed objectively, with proper regard to market conditions, tenure, income and risk, to ensure lending decisions are well founded.
Whether the security comprises residential, commercial or mixed-use property, Olden Property provides independent, RICS-compliant secured lending valuations that lenders and borrowers can rely on, prepared with clarity, realism and professional judgement.”
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