Reliable, accurate, and efficient property valuations
Fast, reliable valuation services are essential in today's fast-moving real estate market. With Tapton Capital, you will receive accurate property assessment services that use cutting-edge technology and expert analyses without the need for time-consuming physical inspections.
With years of experience, we have perfected our desktop property valuation methodology, becoming a trusted partner for banks, lenders, investors, and legal professionals. The Tapton Capital desktop valuation guide explains what a desktop valuation is, when it's appropriate, and why you should choose us as your valuation partner.
A Comprehensive Guide to Desktop Valuations
Desktop Valuations: The Evolution
Desktop property valuation has become increasingly sophisticated over the past decade. The modern version of our system incorporates:
Appropriate Use Cases for Desktop Valuations
In most cases, mainstream lenders now accept residential desktop valuations. Physical inspection adds little value to remortgaging. Process mortgages in days instead of weeks.
Multi-property investors benefit from desktop assessments because of their speed and cost-effectiveness. Provides regular portfolio reviews at an affordable price
For estate administration, executors often need quick valuations. HMRC accepts our tax reports.
Divorce settlements or partnership dissolutions can be based on objective evidence. A method approved by the court
Land investment can be lucrative, but it often requires significant capital and resources. At Tapton Capital, we offer land bridging finance solutions designed to empower investors and developers to seize opportunities and unlock the potential of land investments.
Appropriate Use Cases for Desktop Valuations
When you need to determine the value of a commercial or residential property quickly, a desktop valuation report is an excellent option. Lenders increasingly accept it for low-risk situations.
Nevertheless, it's crucial to recognise its limitations: no site visit means hidden defects, data gaps, and inaccurate assumptions. That's why Tapton Capital advises on when a desktop valuation is sufficient versus a full, on-site valuation.
Tapton Capital—Get in touch
You need to know the value of a property quickly—for equity checks, loan applications, and purchase decisions? A Tapton Capital valuation specialist can assist you.
Our team will provide you with a fast, tailored estimate and professional advice on whether you need a desktop valuation or full property survey.
Bridging finance typically costs between 0.5% to 1.5% per month in interest, with arrangement fees of 1-2% of the loan amount. Additional costs may include valuation fees, legal fees, and exit fees. The exact cost depends on factors like loan-to-value ratio, property type, and your credit profile.
Bridging finance can be arranged in as little as 3-7 days for straightforward cases with all documentation ready. More complex cases typically take 2-3 weeks. Our team works efficiently to secure funding as quickly as possible for time-sensitive transactions.
Bridging finance can be used for property purchases (especially at auction), preventing property chain breakdowns, property refurbishments and developments, business cash flow gaps, and buying property before selling an existing one. It's versatile for any situation requiring short-term funding with a clear exit strategy.
Bridging finance is typically secured against property or land. This security allows lenders to offer larger loan amounts and more competitive rates compared to unsecured loans. The property used as security can be the one being purchased or another property in your portfolio.
Most bridging lenders offer a maximum loan-to-value (LTV) ratio of 70-75% for standard cases. For strong applications with excellent security, some specialist lenders may go up to 80% LTV. Development bridging can sometimes achieve higher LTVs based on the gross development value (GDV).
Bridging loans are typically repaid through a clear exit strategy, which should be established before taking the loan. Common exit strategies include selling the property, refinancing to a long-term mortgage, completing a development project, or receiving funds from another source like an investment or inheritance.