Property valuations for banks, insurance and diaspora buyers
Written, bank-recognised reports on residential and commercial property. Turnaround from five working days, comparables included, delivered to your bank or your solicitor directly.
What we do
We produce written valuation reports on residential and commercial property in Uganda: buying or refinancing with a bank, insuring against fire, dividing an estate, planning a sale, or pushing back on a compulsory acquisition figure that undervalues you. Our reports include the market value, the forced sale value, the insurance rebuilding cost, and a rental yield estimate where relevant, backed by real comparables in the same area.
Property valuation services for banks, insurance, estates and diaspora clients in Uganda
Bank-ready written report
A signed valuation on the format your bank accepts, delivered directly to their credit team. We are on multiple lender panels, so the report is not the reason your loan stalls.
Market, forced sale and insurance values
Every report includes the open-market value, the forced sale value your bank uses for loan-to-value, the insurance rebuilding cost, and a rental yield estimate where relevant.
Independent, not tied to a sale
We are not the estate agent on the transaction. Our figure is what the property is worth, not what someone wants it to be worth. If the number kills a deal, we tell you honestly and we stand by it.
Comparables from real transactions
Every value we quote is backed by comparable sales in the same area, dated, addressed and priced. You can hand the report to your bank, your lawyer or your accountant and defend every figure.
Reports to Kampala or your inbox abroad
Diaspora clients get the signed PDF by email within one working day of the site visit, with the original hard copy couriered to Kampala or the recipient you name.
Turnaround from five working days
Residential from five working days, commercial from ten, estates and complex sites quoted per case. If a bank deadline is tight, we can expedite for an agreed uplift.
How it works
- 1Tell us why you need the valuationBank loan, insurance, estate, divorce, tax, pre-sale pricing, compulsory acquisition, or another reason. Each purpose changes what the report needs to include.
- 2Site visit and comparables researchA registered valuer inspects the property with the owner, takes measurements and dated photographs, then pulls comparable sales from the same area within the last six to twelve months.
- 3Draft report for your reviewYou receive a draft of the market, forced sale and insurance values with the comparables and methodology behind them. Any factual corrections happen at this stage.
- 4Signed final reportThe signed report goes to you, and directly to your bank, solicitor or accountant if you name them. We keep a copy on file for future reference.
Questions people ask
What makes a valuation bank-ready in Uganda?
Ugandan banks accept valuation reports only from registered valuers whose credentials are current with the Surveyors Registration Board. If the person doing the report is not on the board's register, no lender in Uganda will accept the file, no matter how thorough the work is.
Beyond credentials, banks look for specific content in the report: the property address matched to the title deed, the tenure and title reference number, dated site photographs, the methodology explained (comparable sales, replacement cost, or a hybrid), at least three defensible comparables with addresses, sizes and sale prices, and a signed and stamped conclusion showing the market value and the forced sale value.
Different banks also have their own report templates. Stanbic, Centenary, Absa, DFCU, KCB and Standard Chartered each have panels of approved valuers whose reports flow more smoothly through their credit process. We are on multiple panels, so we deliver in the format your bank uses without a back-and-forth over minor details.
What is the difference between market value and forced sale value?
Market value is what a willing buyer and a willing seller would agree on in an open, unhurried transaction. It assumes both sides have time to negotiate and enough exposure to the market for the property to attract normal interest.
Forced sale value is what the same property would fetch if it had to sell quickly, typically within three to six months, because the owner defaulted on a loan and the bank had to recover. It is always lower than market value, usually by 15 to 25%, because a quick sale attracts fewer buyers and gives them more leverage.
Your bank cares more about forced sale value than market value, because that is what secures their loan. If they lend against a property and the borrower defaults, they need to recover the loan from a quick sale. That is why the loan-to-value ratio is calculated against the forced sale figure, not the market figure. Understanding this saves you a surprise at the loan meeting.
How much does a valuation cost?
Valuation fees in Uganda are usually charged either as a fixed fee (for small residential properties) or as a percentage of the value (for larger, commercial and industrial properties). Fixed fees for a suburban house sit in a predictable range that we quote before we start.
For percentage-based fees, the industry norm is a sliding scale set by the Uganda Institution of Surveyors: a higher percentage on the first band of value, and a lower percentage on the amount above that. The exact scale is published in the ISU fee schedule.
Cost is affected by the site as much as the value. A single title in Kampala takes less time than a subdivided estate in Mpigi. A remote plot requiring a full day of travel costs more than one near the office. We quote the total before we accept the instruction, with no adjustment after unless the scope changes.
How is insurance rebuilding cost calculated?
Insurance rebuilding cost is not the same as market value. It is the cost of rebuilding the property from scratch on the same plot, at today's construction prices, using the same specification of materials and finish.
Market value includes the plot, the location, the neighbourhood, and the scarcity premium of the address. Rebuilding cost strips all of that out and looks only at what a builder would charge to put up the same house, if it burned to the ground tomorrow, on ground that is already yours.
Because construction costs move faster than land prices in Uganda, an insurance valuation should be refreshed every two to three years. If your policy is written against an old rebuilding figure, you will be underinsured against today's building costs, and any claim will be scaled down proportionally.
How long is a valuation report valid?
Most Ugandan banks treat a valuation as valid for six months from the inspection date. After that they usually require a fresh report or a shorter revalidation letter. Insurers typically refresh every two to three years to keep pace with construction costs. If a report is close to the six-month mark and you need one more month, we can issue a revalidation letter for a nominal fee.
Can I use one report for both my bank and my insurer?
Yes, if we know both purposes at the start. We include both the forced sale value (for the bank) and the rebuilding cost (for the insurer) in the same report. If you only tell us one purpose and later need the other, we can add a supplementary letter without a full new report.
Buying with the valuation? See our property sales page for verified homes with clean titles. Renting out the property after? Our property management team handles the landlord side.
Talk to us
Tell us the property address, the purpose (bank, insurance, estate, or another reason) and your deadline. We come back with a quote and a proposed site visit date within one working day.
Or send us an email
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Send us the property address, the purpose and your deadline. We come back with a quote and a proposed site visit within one working day.