Mortgage Declined After Valuation: Here is What to Do Next

Find out what to do to if your mortgage was declined after valuation.

Firstly, have you had a mortgage declined in the last 12 months?

Home Mortgage Refused Mortgage Declined After Valuation: Here Is What To Do Next

Author: Pete Mugleston

Mortgage Advisor, MD

Updated: March 15, 2024

During the mortgage application process, lenders appoint a surveyor to carry out an independent valuation of the property to make sure it’s worth the amount you’re paying and check whether there are structural or build issues they need to know about.

If they don’t like what they read in the report, there’s a chance they could decline your application. If this has already happened to you, it’s understandable if you’re stressed and disappointed, but don’t throw in the towel just yet. We’ve put together this handy guide to tell you exactly what to do to salvage a mortgage application that broke down at valuation.

What to do if your mortgage was declined after the valuation survey

Firstly, be assured that mortgage approval is still possible. While being declined at valuation can feel like a heavy blow, there are steps you can take to get your plans back on track.

Here’s what you should do if you’ve been declined for a mortgage after valuation…

1. Don’t re-apply straight away

This might be tempting, but there’s no guarantee things will turn out any differently if you head back to the drawing board without professional advice.

Whatever issue was flagged up by the surveys – whether that’s a down valuation, a structural issue or a build type the lender doesn’t like – could come back to bite you again.

2. Let us match you with a mortgage expert

Our free broker-matching service can pair you with a mortgage advisor who specialises in helping customers who were declined at valuation. They will advise you on whether there’s a quick fix – such as putting down extra deposit or renegotiating with the seller – but if this isn’t the case, they could help you revive your plans with a specialist lender.

3. Take a breather while your broker does the legwork

Your mortgage broker will carry out a quick fact find to establish why you were declined at valuation. If it was a down valuation, they will explore whether there are grounds for appeal or a second opinion, as well as present you with a list of possible solutions to this.

If there was an issue with the property itself, they will search the entire market for a lender whose criteria allows them to overlook certain structural issues and build types.

Make an enquiry with us today and we’ll match you with an expert who could help you get your mortgage application back on track as quickly as possible.

Maximise your chance of approval with a broker

Get Started

Ask Us A Question

We know everyone's circumstances are different, that's why we work with mortgage brokers who are experts in all different mortgage subjects.

Ask us a question and we'll get the best expert to help.

Feefo 5 Stars
1 of 3
2 of 3
3 of 3 Send!

Why a mortgage might be declined at valuation

Here are the most common reasons mortgage applications are declined at valuation…

The property isn’t worth what you’ve agreed to pay for it

This is also known as a down valuation and if one comes up in the survey, the lender would usually alter the amount they’re willing to let you borrow or pull the plug entirely.

If your property comes in under value, solutions your broker will explore with you include…

  • Increasing your deposit (if you’re in a position to)
  • Renegotiating with the seller
  • Appealing against the valuation survey
  • Finding another mortgage lender

Issues with the property

During the surveys, structure issues and other problems with the property you’re buying might come to light, and this can result in the lender declining your application.

Common issues that can trigger an automatic mortgage rejection include…

These are merely a handful of the property issues that some lenders consider deal-breakers, but the right mortgage broker can help you overcome them. Common solutions include having repair work carried out or finding a lender who can overlook such issues.

Non-standard construction

Some lenders class properties that aren’t made from bricks and mortar as ‘non-standard construction’ and these homes are often more difficult to get a mortgage on since not all mortgage providers have flexible enough criteria to lend on these build types.

Types of non-standard construction that could trigger a rejection at valuation include…

If non-standard construction was the reason your mortgage was declined, the good news is that there are brokers in our network who specialise in arranging mortgages for these properties. They have deep working relationships with lenders who offer non-standard construction mortgages and could help you revive your application with one of them.

Can a mortgage be declined after the valuation fee has been paid?

Yes, and you can be at risk of losing the fee you paid if your mortgage application breaks down at this stage. The best way to safeguard yourself against this is to speak to a mortgage broker, as they can significantly improve your chances of being approved first time.

If you have already been declined and were charged a valuation fee, a broker can still help you out. They will explore whether there are grounds to appeal against the valuation survey result and the potential to negotiate a fee refund with the surveyor/lender.

Even if there is no way to reclaim any upfront fees you were charged, you might end up in pocket overall if your broker finds you another lender offering a superior deal.

What to do if you’ve been declined at valuation by a specific lender

The brokers we work with can help you regardless of which lender has rejected you at the valuation stage, but you might want to read through the relevant guide below if you’ve been turned down by a specific lender and want to know what your options are…

We're so confident in our service, we guarantee it.

We know it's important for you to have complete confidence in our service, and trust that you're getting the best chance of mortgage approval at the best available rate. We guarantee to get your mortgage approved where others can't - or we'll give you £100*

Article key takeaways

  • 01

    Being declined on valuation isn’t the end of the road:

    Being declined for a mortgage for any reason can feel like a massive setback, but bear in mind that It could be possible to revive your plans with your current lender or find a new one.
  • 02

    Professional advice is a must

    If you’ve made it as far as valuation and been declined, there is no room for any further setbacks. Another mortgage rejection at this stage could negatively impact your credit report and jeopardise your chances of getting a mortgage in the near future. Expert advice from the right mortgage broker is essential to improve the odds of you being approved the second time around.
  • 03

    We can help you get it done right… and quickly:

    By using our free broker-matching service you can rest assured that you’ll be paired with a mortgage expert who specialises in reviving mortgage applications that have stalled at the valuation stage. Your broker will take the lead on any renegotiations if there are grounds to appeal with your current lender/surveyor, but if it’s in your best interest to find a new lender, the broker we match you with will search the entire market for a better deal.


Not usually. This is not a common scenario but when it does occur most lenders would still be happy to offer you the amount you originally requested. What’s more, you’re under no obligation to inform the seller that the property is worth more than what they’ve accepted.

The only time this might raise lender concerns is if the purchase price you have agreed with the seller is significantly below market value.

The exact cost of a mortgage valuation can vary depending on the value of the property and the type of survey you have carried out. Anywhere between £150 and £1,500 is standard.

See our guide to mortgage valuation types and fees for further information about the types of surveys you can have carried out and how much they usually cost.

Ask a quick question

We know everyone's circumstances are different, that's why we work with mortgage brokers who are experts in all different mortgage subjects.

Ask us a question and we'll get the best expert to help.

Get in touch today

Make an enquiry and we'll arrange for an experienced mortgage broker we work with to contact you straight away.

1 of 3
2 of 3
3 of 3 Send!

About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for Online Mortgage Advisor of course!

Read more about Pete

Pete Mugleston

Mortgage Advisor, MD

Maximise your chances of approval, whatever your situation - Find your perfect mortgage broker