17/08/2026
We’d rather you knew… 👀
When your mortgage is up for renewal, it can be tempting to just accept the deal your current lender sends you.
But doing so could cost you.
That’s because the mortgage rates they offer you could be based on an automated valuation that might not reflect what your home is actually worth today.
And if that valuation is too low, it could affect your LTV, and the mortgage rate you’re offered.
We regularly challenge valuations. Sometimes they change, sometimes they don’t. That’s because different lenders have different approaches to valuations and appeals.
But if we think a valuation is worth questioning, we’ll look at the evidence and see whether there’s a case to challenge it.
Not all lenders allow valuation appeals and a challenge doesn’t guarantee the valuation will change. Mortgage rates will also depend on your individual circumstances.
Meet Margo x
*Your home may be repossessed if you do not keep up your mortgage repayments