With KENSTONE  you are choosing an experienced, independent partner who can provide you with comprehensive expertise in all areas of property valuation. Below you will find an overview of our fields of activity.

hero overlay

Mortgage Lending Value Expertise

Unlike market value, which prices a property on an effective date, the mortgage lending value reflects the achievable price for a property throughout the period of a loan.

This forward-looking valuation is vital for banks' risk assessment and risk control, and therefore also relevant when considering equity capital costs or refinancing.

Our calculation of mortgage lending value plays an important part in the overall planning of property financing. Particularly for issuers of mortgage bonds, the lending value is of great importance as it has a deciding effect on the security of the reserve value fund.