A valuation certificate is a formal document stating a professional’s assessment of a property’s value, with the basis and date of the valuation. It is used where an authoritative, documented value is required.
Where you’ll see it
You’ll see valuation certificates used for mortgage lending, certain official processes, financial reporting, and dispute or planning purposes. The certificate identifies the valuer, the method, the valuation date and the figure.
Why it matters
A documented, professional valuation carries weight that a casual estimate does not. It supports lending decisions and official requirements, and provides a defensible figure where value must be evidenced rather than assumed.
What it is not
A valuation certificate is not a guarantee of sale price, and a bank’s valuation may differ from a DLD valuation prepared for fees. Each is produced for its own purpose and basis.
Example
A buyer’s bank obtains a valuation certificate to size the mortgage; the documented figure feeds into the loan-to-value calculation and the final offer.
Connected documents and parties
Valuation certificate, property details; owner/buyer, valuer, bank or authority.
Going deeper: related reading: bank valuation certificate and DLD valuation.
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