Help guide
Bank valuation vs purchase price
Why valuers can land under contract price, what LMI or extra deposit might be needed, and negotiation levers — informational only.
Valuation methodology
Lenders ordered valuations protect their advance—recent comparables, liquidity, micro-location risk and market trajectory all feed the figure.
It is not a negotiating weapon for the vendor—only a funding input for you and the lender.
If valuations fall short
You might inject cash, reduce leverage, choose another lender panel, or revisit price—each has trade-offs.
Repeated applications hoping for a kinder valuer can trash your credit footprint—plan with a broker.