Stephen Todd: INSIDE the VALUATION PROCESS and the REALITY of PROPERTY PRICING with INSIGHTS from VAS Panel Co-Founder

Property valuations are one of the most critical and often misunderstood parts of any property transaction. In Episode 79 of the Prime Property Finance Podcast, Mark Watts is joined by Stephen Todd, Co-Founder of VAS Panel, to break down how valuations really work and why investor expectations don't always match reality. This episode explores how valuers assess property across residential, commercial and HMOs, how lender requirements influence valuation outcomes, and why factors like comparables, yield, and market conditions can significantly impact the final figure. Stephen also shares insight into common challenges such as down valuations, retypes, and the difference between estimated and actual values, giving investors a clearer understanding of how to approach deals with more accuracy and confidence. If you are purchasing, refinancing or developing property, this episode will help you better understand the valuation process and avoid costly surprises. To connect with Stephen Todd and learn more about VAS Panel, follow them on LinkedIn or visit their website: LinkedIn: https://www.linkedin.com/company/vas-panel/ Website: https://vas-group.co.uk/ Contact us now if you would like to know more Home - Prime Property Finance Disclaimer This podcast is produced by Prime Property Finance, an independent mortgage brokerage. The views expressed are for general information purposes only and do not constitute personal or financial advice. Listeners should avoid taking action based solely on the content discussed and are encouraged to seek advice tailored to their individual circumstances. The information shared reflects the personal opinions of the hosts and any guest speakers and does not necessarily represent the views of Prime Property Finance as a company. Prime Property Finance is not responsible for any losses or actions taken as a result of this podcast. Privacy Policy - Prime Property Finance

Episode metadata supplied by the publisher feed · Published Mar 17, 2026

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Stephen Todd: INSIDE the VALUATION PROCESS and the REALITY of PROPERTY PRICING with INSIGHTS from VAS Panel Co-Founder

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