Secured Lending Valuation

Carried out by RICS Registered Valuers

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Corporate and commercial property services

Arnold & Baldwin is a modern general practice firm of Chartered Surveyors specialising in commercial and residential secured lending aluations, from its base in South London. Our expanding team of honest, approachable experts offer coverage throughout London and the South East of England.

The team has expert valuation knowledge from a wide spectrum of the UK’s leading firms, alongside some of its very own trained and developed surveyors. The experience of the team, coupled with modern techniques, provides your credit partners with a clear, concise report to rely upon, which is also easy for customers to understand.

Arnold & Baldwin’s vision is to protect your investment. It services over 200 lending institutions. Managing Director, Joe Arnold is a member of RICS Residential Survey & Valuation Professional Group, placing the business at the heart of the profession to support your valuation requirements.

The focus is to undertake good quality diligent reports within a time efficient manner. Internal auditing and training and development functions, create a robust process de-risking your investment.

As the economic climate has changed and evolved, valuation reporting has had to adapt to provide the increased level of information required by Credit Partners and Underwriters. Reports are tailored to your specific requirements, to ensure you have all of the information you require, to protect your investment.

Arnold & Baldwin works with its clients prior to instruction. This approach enables individual cases to have input from a valuation surveyor, whilst considering a potential lending proposition.

Direct mobile and e-mail addresses are available for all surveyors, giving you access to the information when you need it most.

Fees can be arranged on a fixed scale or a case by case basis, to remain competitive for your customers. If needed we agree fees and take payment all by modern methods directly from your clients.

All reports are undertaken to the highest standards using modern methods of valuation.

Comparable data is sourced through Co Star, egI, eig, LonRes, and RightMove Plus to name a few. Surveyors discuss each property with the relevant local expert agents to ensure the most up to date active information is available at all times.

Our tailor made reports provide as much detail as your credit partners and underwriters require. Bespoke instruction letters are agreed when joining a panel to ensure the valuation reports meet all of your needs.

SWOT analysis, market analysis, and management issues are all addressed, thus mitigating risk and protecting your investment moving forward.

If a property is found to not be suitable security for an advance of funds, we assist in seeking ways to improve the asset, enabling your client to undertake the necessary remedies to make the property suitable as security.

Valuation sign off limits are in place and countersigned by a senior valuation surveyor prior to submission, thus mitigating risk and ensuring consistency of reporting

Post Valuation Services

From time to time, queries are raised on valuation reports. It may be that planning permission is not in place, structural repairs have been made in the past or there are right of way issues. This information is often only made available as the property is moving towards exchange of contracts, and pressure is often high. To defuse the situation, all our surveyors mobile and email addresses are available so we can respond to your query as soon as possible.

Additional reports are sometimes necessary. We hold details of structural engineers, damp and timber infestation specialists, electrical engineers and arboriculturalists to name but a few, ensuring all additional reports are undertaken as swiftly as is practicable.

As honest approachable experts we are here to help, not hinder the process.

Quality reporting quickly

We understand the need to provide a robust quality report to assess the property value (often against your lending criteria) as quickly as possible. This is what we do, day in day out.

If you have an urgent case please call us and we will aim to process it for you within 24-48 hours where possible. We will then run through corporate literature at a later date.

FAQ and Jargon Buster question mark Jargon Busting and FAQ's

What is a Secured Lending Valuation?

Whether you are securing a business loan against the value of a commercial or other premises or seeking finance to undertake a development project, a lender will require a valuation to ensure that the property they are lending against provides good security.

The purpose of having a loan valuation completed is to establish whether the amount of the loan can be secured against the value of the property and, should you default on the loan, whether the lender can realistically recoup the amount.

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4.7 Average rating on Google
Here's what our customers say


Professional, efficient surveyors. Get the job done in a timely manner, had our survey back within 5 days of inspection. All team members I spoke with (Tiffany and Billy) were really lovely. Highly recommend. :)


I have only just started working with Stephen and he has already demonstrated the high levels of customer attention and dedication that this company has. The first impression he has caused is such that made me write this review. I have no doubt that the continuous service will be of same level. Looking forward to working further with Stephen. Well done!

Steve Kenny

Lease extension - I found Daniel Grove very professional and had an excellent understanding of all aspects relating to this transaction. Advice was invaluable, and it was nice to come across someone who did exactly what they said they were going to do. Would not hesitate in recommending the firm and Daniel to anyone who has a lease to extend.

Petros Kyrkilis

Amazing job and fully professional treatment. The surveyor went above and beyond to check for everything, when he could have easily claim lack of access. In addition he was more than happy to answer questions over the phone and be there to explain the steps.

Lynn Wilson

Within 48 hours I received my detailed report from Joe Arnold which enabled me to see the property as it was and not through rose-tinted glasses! The report highlighted areas where money might need to be spent and provided guidance on questions for my solicitor - just what I needed. Overall, the survey enabled me to re-assess my offer and in this respect was invaluable. Thank you for a friendly and professional service.

Mark Roberts

100% choose this company. As first time buyers we had a mortgage valuation which said the house was fine. The Arnold & Baldwin survey found over £30,000 of problems. Holes in the roof with daylight visible, damp, woodworm, broken sash windows and poor electrics. This company helped us renegotiate and save a fortune.


Arnold & Baldwin came recommended and I’ve got to say they were brilliant - not just in identifying issues with the property I was looking at but in the way they kept me informed and up to date (ie picking up the phone instead of just posting / emailing communications with you). After dealing with estate agents for so long, it’s nice to have someone who is genuinely on your side.

Kamal Rahman

From my initial interaction with the firm I found them to be prompt, courteous and helpful. I received a detailed Homebuyers report within a week of instructing and was given the opportunity to talk it through with the attending surveyour. Overall excellent service all round, would certainly recommend this firm.

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