New build remortgage valuation

[GallusAlice79]

I am wondering how people gauge the value of their new build property when they remortgage, if the only comparable sales are brand new sales? Would you value your house as the same as it costs to buy new, or less as it's no longer new? What about if you have added some value?

Nationwide apparently value them the same as new, but I'm unlikely to go with them.

I am asking irrespective of COVID19, as I live in a fairly desirable area and new houses have still been selling through lockdown at the normal price.

How old is it? Two years in good condition, same as new (as you're in a desirable area), 5 years, kitchen appliances etc not as hi tech as the new builds, finishes starting to look a bit like the last fad rather than the current one (more relevant in new properties than old), development not as desirable etc, less. Have you had an estate agent valuation just to get a ballpark figure?

2 years. Our housebuilder sells houses without flooring, turf, fences etc so we have all of that. We have also added a monoblock driveway (from horrible tar and chips) and decking.

The last house like mine that sold, sold for £20k more than I paid, however that was in the last phase and the prices continue to go up, so I imagine the current phase will sell them for £30k more.

Having previously successfully argued against a down valuation, I like to have a clear idea in my head about what I think the property is worth before I ask an expert.

If yours was sold unfinished and is now tastefully decorated, flooring, new drive etc I'd think it would be worth at least the same if not more