Mortgage & Finance

McLean Gladstone provides accurate and reliable property valuation services for mortgage and loan security purposes across South Australia. We understand the critical role a precise valuation of property plays in finance and lending decisions, whether for residential real estate valuation or commercial property valuation.
 

Understanding Lender Requirements for Valuation Reports: For market valuations intended for mortgage and loan security, it is standard industry practice for instructions to be issued directly from the lender to the valuer. This direct communication ensures that the accredited property valuer understands all specific requirements, reporting formats, and the exact purpose for which the valuation of the property is needed by the party relying on it (the lender). This clear instruction chain is vital for the integrity and usability of the valuation report.  
 

While intending mortgagors (borrowers) may sometimes seek a home valuation, house valuation, or commercial valuation for their own borrowing purposes, and these reports can be addressed directly to them, it's generally considered best practice for the lender to commission the valuation directly. This is because lenders often have specific criteria or areas of focus that need to be addressed within the particular real estate valuations to meet their internal risk assessment and compliance standards.
 

Our Commitment to Accuracy and Lender Compliance: As a trusted property valuer in Adelaide and across South Australia, McLean Gladstone is accustomed to working directly with financial institutions, including banks, credit unions, and private lenders. Our certified property valuers are experienced in delivering comprehensive and compliant valuations for finance reports that meet the stringent requirements of the lending industry.  
 

Whether it's a residential property valuation for a home loan or a commercial real estate valuation for business financing, we provide the impartial and objective assessment required for secure lending decisions. We offer:

• Independent Valuer Property: Ensuring unbiased assessments that lenders can rely upon, free from any outside influence or self-serving interests.  

• Registered Property Valuer: Our valuers are fully registered and adhere to the highest professional standards, holding qualifications such as Certified Practising Valuer (CPV) and accreditation from the Australian Property Institute (API).  
   

Key Factors in Our Mortgage Valuation Reports: Our mortgage security valuation Adelaide reports are meticulously prepared, considering a comprehensive range of factors that influence property value, combined with in-depth research of the current market. Key considerations include:  

• Location and Proximity to Amenities: The property's geographical location and its distance from essential local amenities such as shops, schools, and public transport.  

• Comparable Properties Analysis: How the subject property stands against similar properties that have recently sold in the current market, typically within the last six months.  

• General Condition and Renovations: The property's overall condition, any existing structural or maintenance issues, and the impact of recent high-quality renovations.  

• Land Usage and Zoning: The size of the land, its utility, and any applicable zoning restrictions that might affect its current or future value.  

• Extra Features: The presence and value contribution of additional features like solar panels, swimming pools, or outdoor kitchens.  
   

We provide both short-form and long-form reports, tailored to your specific needs, whether for general purposes or complex litigation matters.  
 

Discuss Your Specific Requirements: We encourage all parties – whether you are a lender, a mortgage broker, or a borrower seeking clarity – to contact us to discuss your specific valuation requirements. Our team of local property valuers can provide comprehensive advice to best cover your circumstances, ensuring that the valuation process is smooth, efficient, and meets all necessary lending criteria. We are dedicated to delivering precise property valuation services that support sound financial decisions for all stakeholders in South Australia.