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Desk Property Valuations

Desktop Property Valuations Across Australia

Welcome to Desk Property Valuations Australia

our Partner for Desktop Property Valuations Across the Nation

Desk Property Valuations provides fast, accurate desktop property valuations to clients nationwide. Our experienced team of licensed valuers leverage the latest technology and data to deliver desktop valuations you can trust. Whether you need a valuation for finance, insurance, rates objections, family law or any other purpose, we can handle it efficiently without the hassle of an on-site inspection.
With Desk Property Valuations as your valuation partner, you can have confidence knowing you are getting an independent, compliant valuation report tailored to your needs. Contact us today to get a competitive quote on your next desktop valuation.

Services We Offer

Residential Desktop Valuations

Get a desktop valuation on any residential property in Australia. Our licensed valuers access the latest sales data and imagery to provide accurate valuations for houses, apartments, townhouses and more.

Commercial Desktop Valuations

We provide desktop valuations for retail, office, industrial and other commercial properties across Australia. Our commercial valuers have extensive experience valuing a wide range of commercial assets.

Insurance Valuations

We are experienced in providing desktop insurance valuations to fulfil your insurance needs, whether for total replacement value or indemnity purposes.

Rates Objections Valuations

Get a desktop valuation to support your case when objecting to council rates or land tax assessments. Our valuations adhere to legal requirements.

Family Law Valuations

Our family law valuations help determine asset pools for divorce proceedings. We understand the sensitivities involved and provide impartial valuations.

Other Valuation Reports

In addition to the above, we provide various other desktop valuation reports including Capital Gains Tax valuations, bank valuations and more.

Why Choose Us?

Licensed & Experienced Valuers

Our national panel of valuers are fully licensed and have extensive valuation experience across all sectors.

Australia-Wide Coverage

We provide desk valuations for properties nationwide, covering metro and regional areas across all states and territories.

Quick Turnaround Time

Our valuations are completed promptly so you can receive your report in the fastest possible time.

Compliant & Defendable Reports

Our reports comply with industry standards and can be used for various legal purposes. We are accountable for our work.

Competitive Rates

As a tech-enabled digital business we offer very competitive rates on desktop valuations. Contact us for a quote.

Valuation News

Guide to Australian Mortgage Valuation Types for Homebuyers

Understanding Different Mortgage Valuation Types: A Guide for Australian Homebuyers

When embarking on the journey of buying a home in Australia, understanding the ins and outs of mortgage valuations is crucial. These assessments help lenders determine the value of the property being purchased, affecting how much they are willing to lend. There are several types of mortgage valuations, including drive-by valuations, desktop valuations, and full appraisals. Each serves a unique purpose and is required under different circumstances. This article aims to demystify these mortgage valuation types, aiding buyers and working with mortgage brokers in Brisbane and across Australia.

What Is a Mortgage Valuation?

A mortgage valuation is an assessment carried out to determine the value of a property. This valuation is used by lenders to ensure the property is worth the loan amount being requested. It’s important to note that a mortgage valuation is for the lender’s benefit, not the buyer’s. For a more detailed analysis of the property’s condition, buyers may consider a building survey or a homebuyer report.

Types of Mortgage Valuations

The type of mortgage valuation required can vary based on the lender’s policy, the nature of the property, and the specifics of the mortgage application. Below are the most common types:

Drive-By Valuations

Drive-by valuations are exactly as they sound. In this method, a valuer does not enter the property but instead assesses it from the outside. This type of valuation is quicker and less expensive than more in-depth appraisals. Drive-by valuations are typically used in straightforward lending scenarios, where the risk to the lender is perceived to be low.

Desktop Valuations

A desktop valuation is conducted without the valuer visiting the property in person. Instead, they use online resources, such as property databases and listings, to estimate the property’s value. Desktop valuations are efficient and cost-effective, making them popular for refinancing and low-risk mortgage applications.

Full Appraisals

A full appraisal is the most comprehensive type of mortgage valuation. It involves a detailed inspection of the property’s interior and exterior, assessment of the property’s condition, and a review of local market conditions. Full appraisals provide the most accurate estimation of a property’s value but are also the most time-consuming and expensive. They are often required for higher-risk lending scenarios, such as when the borrower is seeking a high loan-to-value ratio or the property is unique.

When Each Valuation Type Is Required

Understanding when each type of valuation is required can help borrowers prepare for the mortgage application process. Here’s a general guide:

  • Drive-By Valuations: Used for low-risk scenarios, such as refinancing an existing loan or when the loan amount is a small percentage of the property’s value.
  • Desktop Valuations: Suitable for low-risk applications and refinancing, especially when the lender has previous knowledge of the property or when recent, reliable sale data is available.
  • Full Appraisals: Necessary for new purchases, particularly in high-risk situations or when the property is unusual in some way that affects its value.

Working with a Mortgage Broker in Brisbane

Navigating the complexities of mortgage valuations can be daunting. This is where working with a reputable mortgage broker in Brisbane can be invaluable. A mortgage broker can offer guidance on the valuation process, helping you understand which type of valuation may be required for your specific situation. They can also assist in finding the most suitable lender and mortgage product for your needs, making the home buying process smoother and more efficient.


Understanding the different types of mortgage valuations and when they are required is essential for any prospective homebuyer. By familiarising yourself with drive-by, desktop, and full appraisals, you can approach the mortgage application process with confidence. Remember, working with a mortgage broker can provide additional support and expertise, ensuring you find the right mortgage solution for your needs.

  • Drive-By Valuations: Quick, less expensive, suitable for low-risk lending scenarios.
  • Desktop Valuations: Conducted online, efficient, ideal for refinancing and low-risk applications.
  • Full Appraisals: Comprehensive, detailed, required for new purchases and high-risk situations.

Whether you’re working with a mortgage broker in Brisbane or navigating the property market elsewhere in Australia, a clear understanding of mortgage valuation types will serve as a valuable asset in your home buying journey.

Analyzing the impact of changing interest rates on Australian property values and real estate market

How Changing Interest Rates Affect Property Valuations: A Guide

The fluctuations in interest rates are a significant factor in the Australian economy that can have profound impacts on property values. Understanding how these changes influence property valuations is crucial for homeowners, investors, and potential buyers in the real estate market.

The Relationship Between Interest Rates and Property Value

Interest rates, set by the Reserve Bank of Australia (RBA), are a powerful tool in the economy, influencing various sectors, including the real estate market.

How Interest Rates Influence Property Valuations

  • Borrowing Costs: Lower interest rates reduce the cost of borrowing, increasing demand for property and driving up prices.
  • Investment Appeal: When interest rates are low, real estate becomes an attractive investment compared to other low-yielding options.
  • Economic Growth: Lower interest rates can stimulate economic growth, leading to higher property demand and value.

Conversely, higher interest rates can reduce demand and slow down the property market, leading to lower property valuations.

Interest Rates and Their Direct Impact on Property Valuations

Interest rates directly affect property valuation in several ways:

  1. Affordability: Changes in interest rates impact how much people can afford to borrow, thus influencing their buying power.
  2. Market Sentiment: Interest rate trends can affect consumer confidence, which in turn influences the real estate market.
  3. Rent Yields: For investment properties, changes in interest rates can impact rental yields, thus affecting property value.

Examining Historical Trends

A look at historical data shows a clear correlation between interest rate movements and property market performance in Australia. Periods of low interest rates often see a surge in property valuations and vice versa.

  • 2008 Global Financial Crisis: Post-crisis, the RBA’s decision to lower interest rates led to a boost in property values.
  • Early 2020s Economic Changes: Record-low interest rates resulted in increased property demand and valuation.

Mitigating the Impact of Interest Rate Changes

To mitigate the impact of fluctuating interest rates on property valuations, homeowners and investors can:

  • Fixed-Rate Mortgages: Consider locking in a fixed-rate mortgage to guard against rising interest rates.
  • Diversification: Diversify investments to reduce reliance on property market performance.
  • Regular Valuations: Keep up with regular property valuations to understand your property’s worth in the current market.

The Future Outlook

Predicting future interest rate movements and their impact on property valuations can be challenging. However, staying informed about economic indicators and market trends can help in making more accurate predictions.

In summary, interest rates play a pivotal role in determining property valuations in the Australian market. By understanding this relationship, stakeholders in the real estate market can make more informed decisions and strategically plan for future changes.

House for sale representing real estate market

How Valuations Impact Sale Price: The Interplay of Appraised Value, Comps, and Market Forces

Understanding how property valuations influence sale prices is critical for both buyers and sellers in the Melbourne real estate market. By dissecting the various factors involved, we can shed light on how to optimise sale prices and make informed decisions.

Understanding the Appraised Value

The appraised value is an unbiased estimate of a property’s market value. It is typically conducted by a certified appraiser who takes into account multiple factors like property condition, location, and recent sale prices of comparable properties.

Why Appraised Value Matters

Influences Lending: Financial institutions use appraised value to determine how much they can lend for a property.
Price Negotiations: Both buyers and sellers refer to this value during the price negotiation stage.
Property Taxes: Local governments may use appraised values to calculate property taxes.

The Role of Comps in Property Valuation

Comps, or comparable sales, are recent transactions involving properties similar to the one being valued. They serve as a vital benchmark in setting the appraised value.

How to Choose Accurate Comps

  • Proximity: Properties within a 1-3 km radius
  • Similarity: Comparable size, condition, and features
  • Timing: Sales within the last three to six months

Adjusting Comps

Sometimes, properties have unique features that need special attention. In these cases, value adjustments are made to comps to align them more closely with the property in question.

Property value chart highlighting the impact of comps and supply and demand

Supply and Demand: The Market Dynamic

The concept of supply and demand is fundamental in real estate marketing and pricing. A high demand coupled with low supply generally pushes prices up, while the inverse tends to drive prices down.

Indicators of Demand

Population Growth: An increase in population often boosts demand.
Economic Factors: Low-interest rates and high employment rates can stimulate demand.

Indicators of Supply

New Developments: An influx of new properties can increase supply.
Seasonal Trends: Certain seasons may see a higher listing of properties, affecting supply.

Real estate agent and client shaking hands after successful property valuation

Integrating Valuation and Market Forces

Successfully selling a property for its maximum value involves synthesising the appraised value with current market conditions. This involves:

  1. Accurate Property Appraisal
  2. Comprehensive Comps Analysis
  3. Assessing Current Supply and Demand
  4. Dynamic Real Estate Marketing Strategies

By understanding and applying these components, both buyers and sellers can navigate the property market more effectively, leading to optimised sale prices and informed investments.

Property Valuation for Insurance Purposes in Melbourne, Australia

Understanding the Role of Valuations When Insuring a Property

Insuring a property is an essential step in protecting your valuable asset. To ensure that you have proper coverage, it is crucial to understand the role of property valuation Melbourne in the insurance process. In this guide, we will explore the importance of property valuation in insurance, specifically focusing on the process in Melbourne, Australia.

Why is Property Valuation Important?

Property valuation plays a vital role when it comes to determining the insurance coverage for a property. It involves assessing the value of the property and its contents, which helps insurance companies in calculating the premiums and determining the coverage limits. Accurate property valuation ensures that the property is insured to its full replacement value, minimizing the risk of underinsurance.

The Process of Property Valuation for Insurance Purposes

In Melbourne, Australia, property valuation for insurance purposes follows a specific process. It typically involves the following steps:

1. Inspection

A trained valuer visits the property and conducts a thorough inspection. This includes assessing the property’s size, condition, features, and any unique characteristics that might affect its value.

2. Market Analysis

The valuer then analyses the current real estate market in Melbourne to determine the property’s market value. This involves considering factors such as location, recent sales data, and market trends.

3. Replacement Cost Estimation

To calculate the property’s replacement cost, the valuer takes into account the construction costs, materials used, and any additional features or upgrades. This ensures that the property is insured for its full rebuilding or repair costs.

4. Documentation

Once the valuation process is complete, a detailed report is prepared. This report includes the property’s current market value, replacement cost, and any relevant information that may affect the insurance coverage.

The Importance of Accurate Valuations

Accurate property valuations are crucial for several reasons. Firstly, they help insurance companies in determining the correct premium to charge for insuring the property. Secondly, they ensure that the property is insured for its appropriate value, significantly reducing the risk of underinsurance. Lastly, accurate valuations provide the property owner with peace of mind, knowing that their asset is adequately protected.

Avoiding Pitfalls: Underinsurance and Over insurance

Underinsurance and over insurance are common pitfalls that property owners must avoid. Underinsurance occurs when a property is insured for an amount less than its actual value. In the event of a claim, the insurance pay-out may not be enough to cover the full cost of rebuilding or repairing the property. On the other hand, over insurance means that the property is insured for more than its actual value, resulting in higher premiums without providing any additional benefits. Accurate property valuations help property owners strike the right balance and avoid these pitfalls.

Understanding the role of property valuation in the insurance process is crucial for property owners. By ensuring accurate valuations, property owners can protect their assets effectively and avoid the risks of underinsurance or over insurance. In Melbourne, Australia, property valuations conducted by trained professionals play a vital role in determining the insurance coverage for a property. So, if you own a property in Melbourne, it’s essential to get a property valuation done to ensure that you have the right insurance coverage in place to safeguard your valuable asset.