The Property Couch
The Property Couch
Ben Kingsley, Opti & The Couch Crew
What REALLY Happens During a Bank Valuation? | FUNdamental Fridays
8 minutes Posted Sep 4, 2026 at 2:00 am.
The best thing you can do before a valuation
Why bank valuations differ from agent appraisals
The 30-60 day valuation rule
Can homeowners help the valuer?
The biggest valuation misconception
What actually happens during an inspection?
Why valuers take photos
Valuing tenanted properties
What valuers assess
Understanding property risk ratings
Which upgrades add value?
Final takeaways
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Show notes
Do you need to clean your home before a bank valuation? In this week's FUNdamental Friday, Ben Kingsley is joined by Neal Ellis from Preston Rowe Paterson to lift the curtain on how bank valuations actually work. Many property owners assume valuers are looking for spotless homes, premium finishes and perfect presentation. The reality is very different. Neal explains what banks really want from a valuation, why speed of access matters more than a clean house, how comparable sales drive valuati...