---
title: "Residential valuation"
description: "Residential valuations are standard valuations that are primarily used on single unit buy to lets, which includes comparable valuation methodology."
url: "https://mortgagelane.com/guides/hmo-mortgage-valuations/residential-valuation"
site: "Mortgage Lane"
collection: "guides"
date: "2026-03-30"
author: "Seren Norton"
category: "Mortgage guide"
reviewed: "2026-09-11"
reading_time: "2 min"
byline: "Seren Norton"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# Residential valuation

Residential valuations are standard valuations that are primarily used on single unit buy to lets, which includes comparable valuation methodology.

Residential valuations are standard valuations that are primarily used on single unit buy to lets, which includes comparable valuation methodology.

[Investment valuation](https://mortgagelane.com/definitions?term=investment-valuation)

Valuation

A property valuation that considers the income the property can generate and the return required by market participants.

[Read the full definition of Investment valuation](https://mortgagelane.com/definitions?term=investment-valuation)

Back to overview

[HMO Mortgage Valuations](https://mortgagelane.com/insights/hmo-mortgage-valuations)

Related definitions

[HMO mortgage](https://mortgagelane.com/definitions#def-hmo-mortgage)

·

[Mortgage](https://mortgagelane.com/definitions#def-mortgage)

## Residential valuation

Residential valuations are standard valuations that are primarily used on single unit buy to lets, which includes comparable valuation methodology.

Usually valuers average the most suitable 3 comparable, that are:

- Like for like
- Within a quarter mile
- Sold and not advertised
- Bricks and mortar

This is usually used on [HMO mortgage](https://mortgagelane.com/insights/hmo-mortgage-for-ltd-company) applications, with some lenders that either don’t specialise in HMOs, or lenders that cant instruct a hybrid valuation method due to the properties configuration.

Regardless of planning permission, if a property is easily converted back to a family home, or is not adapted considerably to compliment a co-living layout with adequate services such as ensuites, will be more suited towards a comparable, residential valuation.

Products with this valuation method are usually a lot cheaper, but can of course create a lending shortfall if larger HMOs use products with this valuation methodology.

### Experience

Experience is not usually required for HMOs with less than 6 rooms with a residential valuation method, however, some lenders offing this product may require 12 months landlord experience.

## Talk it through with an adviser

Speak to a Mortgage Lane adviser about your circumstances and the next steps.

Published: 2026-03-30

Last reviewed: 2026-09-11

Source: https://mortgagelane.com/guides/hmo-mortgage-valuations/residential-valuation