26/09/2026
Bank valuation came in low? Here's how Australian bank valuers actually work out what your property is worth, why valuations are coming in short in the 2026 falling market, and exactly what you can do about it, whether you're buying, refinancing or using your home equity.
When a property appraisal falls short, it can derail your investment strategy. This episode explains why the current Australian housing market is seeing increased stock levels and how these shifts impact your ability to refinance or purchase. We examine why a bank valuation low result might be happening and what it means for your borrowing capacity.
We also break down the financial implications of falling equity, including a practical look at lenders mortgage insurance. If you are facing a valuation gap, understanding these mechanics is essential for protecting your property investment portfolio and making informed decisions in a cooling market.
In this video I cover who the valuer really works for, the difference between desktop, kerbside and full valuations, the five main reasons valuations come in low, the "lower of price or valuation" maths that can leave you needing thousands more in cash, what to prepare before the valuer arrives, your options if the valuation comes back short, and the one time a low valuation is actually doing you a favour.
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