You could ask a real estate agent to come and value your property—just tell them you are thinking of putting it on the market. This is a good option if your property is different from others in the area, or has had improvement or building work done, since the agent will be able to ‘adjust’ the standard value based on the differences and changes you have made.
If you do ask a real estate agent, always consider their figure with a degree of scepticism as some may ‘inflate’ their valuation hoping you’ll be impressed by the figure and put your property on the market with them. If you get at least three valuations, you should have a reasonably accurate estimate.
However, ultimately there’s only one valuation that really matters and that’s the one your bank comes up with. But to get that means actually having to apply for a loan, which is when you start to incur costs.
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