2 articles tagged with Loan to Value.
A down valuation means the lender's surveyor thinks the property is worth less than you agreed to pay. Why it happens and your realistic options to keep the purchase alive.
A bigger deposit unlocks a lower loan-to-value band and usually a cheaper mortgage rate. But saving longer for that extra 5 percent has a cost too. Here is how the trade-off looks for first-time buyers in 2026.
