The valuation error — challenging the numbers on a high-value bridge
Written by Chris Canham, commercial finance broker with nearly 30 years in financial services. Last reviewed .
Valuation corrected, offer secured on proper terms
Deal at a glance
- Loan type
- Bridging loan
- Lender type
- Specialist bank
- Location
- Surrey
A real client transaction, anonymised. Client-identifying details have been removed; lender names and figures are shown where the client has agreed.
A company director was financing a high-value Surrey residential property through a specialist bank's bridging facility.
The valuation came back with a material error in it — the kind of mistake that, unchallenged, kills a deal or costs the borrower tens of thousands in reduced lending.
The error was identified and taken back to the lender with the evidence, and the valuation was formally corrected.
The offer was secured on proper terms. Deals rarely fail on criteria; they fail on nobody checking the detail. We check the detail.
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