For Property Solutions
We provide an accurate and comprehensive valuation of commercial and residential property and land to allow lenders to make informed decisions before committing to property finance.
Acting for banks and other financial lending institutions including bridging loan providers, we will provide accurate and comprehensive valuations of commercial and residential property and land so an informed decision can be made as to whether any loan sought and provided to the homeowner, business owner or developer will be secure.
Kempton Carr Croft is regulated by the Royal Institution of Chartered Surveyors and all of our valuers abide by the RICS codes of conduct and prepare their reports in accordance with the RICS Red book valuation standards. This method considers the property’s location, condition, quality, the demand and supply in the area, along with the current market conditions in the area by seeking comparable evidence from recently sold property of a similar nature. Any planning permission along with future value, potential for alternative uses, energy efficiency and environmental factors affecting the property are all considered and summarised in the valuers report.
We have a large team of valuers working throughout London and the South of England but can be instructed to work nationally if required. Each is experienced and knowledgeable in the local markets that they operate in and is able to value a wide range of commercial and residential property types and land. From a simple stand-alone property to complex development and mixed use schemes, Kempton Carr Croft’s valuers have the accuracy and insight required to provide a valuation report at any given time.
As a multi-disciplined firm, we can offer our clients a 360 degree consultancy and have a wide range of in-house expertise to call upon should further specialist input be required including development monitoring, LPA receivership, commercial disposals and development feasibility.
The need for a loan security valuation arises when a loan is requested from a bank or financial lending institution.
A loan security valuation is conducted to establish whether the value of the loan requested from the lender will be secure.
Many lenders will only consider a valuation report prepared by a RICS chartered surveyor in accordance with the RICS Red Book valuation standards. This method considers the property’s location, condition, quality, demand and supply in the area, along with the current market conditions in the area, by seeking comparable evidence from recently sold property of a similar nature. Any planning permission, along with future value, the potential for alternative uses, energy efficiency, and environmental factors affecting the property, are all considered and summarised in the valuer report.
Yes. A loan security valuation of a property will be different from the open market value of the same property.
The lender seeks to be in a position where, if the loan is defaulted, it can realistically recoup the value of the loan plus associated fees.
Ultimately, the loan security valuation is to establish for the lender whether the requested value of the loan can be secured against the value of a property.
RICS Valuers are governed by the Royal Institution of Chartered Surveyors, follow strict professional guidelines, provide adequate professional indemnity insurance, and must be able to defend the market evidence used in the report to reach the end valuation should a claim be made against them.
This means you can be confident that the opinion of value provided by a RICS registered valuer can be relied upon.
Purchasers, lenders, sellers and insurers can instruct an independent RICS registered valuer with confidence that they will receive an honest, accurate and reliable valuation of the property and/or land in question.
We aim to produce valuation reports within five to seven days of inspecting the property. Should you have any questions when you receive your report, you will be able to talk directly to the dedicated RICS valuer working on your behalf.
If there is need for an expediated report, please discuss this with us before the survey is carried out.
Kempton Carr Croft’s Surveyors regularly provide loan security valuations for properties throughout London and the South East of England. Our London practice is located in Mayfair and we have a further seven offices to the West and South West of London.
Kempton Carr Croft’s Surveyors regularly provide valuations for properties throughout London and the whole of the South East of England. The team works from offices in Basingstoke, Camberley, Gerrards Cross, Maidenhead, London, Reading, Staines and Windsor.
The customer service we receive from Kempton Carr Croft is great. Crucially, the experience you have with them is the same no matter who you deal with and they are responsive, professional and always provide reports on time.
The consistency in their approach is paramount for us, it means that we can be confident in the documentation they provide and there is no need to double check what they have done and it feels like KCC are part of our team.
The quality of the work Kempton Carr Croft produce is brilliant and when we collaborate with them, we feel protected, particularly because our offers are hinged on the work which they produce. Furthermore, the way they conducted themselves reflects on our customers and we can be sure that our business reputation is protected when we work with Kempton Carr Croft.
