The Money Nest by Heron Financial
The Nest is a clear, no-jargon podcast about mortgages, homeownership and getting truly “mortgage ready”.
Hosted by advisers from Heron Financial, a fee-free, B Corp certified mortgage and protection brokerage, each episode breaks down a specific topic in plain English: from saving a deposit and improving your affordability, to navigating new build, shared ownership, remortgaging and protection.
Whether you are a first-time buyer, an existing homeowner planning your next move, or simply trying to make sense of rates and lender criteria, The Nest is here to make the process calmer and easier.
No hype, no hard sell. Just practical guidance, real scenarios and actions you can take to move closer to owning – or keeping – the home that is right for you.
The Money Nest by Heron Financial
Mortgage Valuations Explained: What Happens If Your Property Is Down Valued?
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If your mortgage valuation comes back lower than expected, what does it actually mean, and what can you do about it?
In this episode of The Money Nest, Matt is joined by senior mortgage advisor Josh and case progression manager Rachel to break down how mortgage valuations work in simple terms. From understanding the difference between desktop and physical valuations to why new builds can sometimes be harder to value, they explain what’s really going on behind the scenes.
They also walk through what happens if your property is down valued, including your options, whether that’s trying another lender, increasing your deposit, renegotiating, or deciding if it’s the right property at all.
Most importantly, they explain why a valuation is just one opinion, how to approach the situation calmly, and how to avoid making emotional decisions that could impact you financially.
If you’re buying, remortgaging, or just want to understand the process better, this episode will help you feel more prepared for one of the most important steps in the mortgage journey.
If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/