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That always exists, even with squeeky clean deal. Less likely to happen with a major where you can hold them to account, but unless you RAISE the issue with the lender, and waive the flag at it, the fact that the information was witheld, and the lender acted in reliance of same, you are...

COV = Client Ordered Valuation DUA = Delegated Underwriting Authority ( from mortgage insurer, so lender can make own decisions - gives the lender much more flexibility ) Cant help with the legal questions. If you were my client I would set it up so that you go fwd with maximum...

Pixie dust :) and other similar magic If there is an agreed price, and a front page of the contract, and the purchase isnt "favourable", the valuer will value it at selling price or less. If the val is done without a contract or price agreement in place, the valuation may come in higher...