In June 2026 the government unveiled the biggest overhaul of home buying in decades. Sellers must provide key information — including a property's condition — upfront at the point of listing, and buyers and sellers will be able to enter binding agreements far earlier, with penalties for walking away. The government expects the reforms to cut around four weeks from the average purchase and halve fall-throughs.
Most of the industry now has to adapt. Finvise does not. Four reasons why.
Demand for valuations grows and moves upfront
Today a valuation happens once per accepted offer, weeks into the deal. Under the reforms, condition information is needed for every property listed — and around 200 estate agents are already launching upfront survey schemes ahead of legislation. More assessments, earlier, every year.
Traditional supply cannot meet it
RICS has warned the sector must build the capacity and skills to deliver reliable condition reports at this scale. Training routes take years; the legislation lands within this Parliament. The gap will be closed by firms whose output per qualified surveyor is a multiple of the traditional model. That is Finvise: proprietary technology built in-house prepares each valuation, and a RICS-qualified surveyor reviews and signs off every report — Red Book standards at many times conventional output.
Speed becomes the deciding factor for lenders
When a buyer arrives with a sales pack and a binding agreement on the table, the mortgage valuation becomes the pacing item of the whole transaction. A one-to-two week valuation process will be what stands between an applicant and completion. Finvise already delivers at the required speed: in a three-month pilot, Gatehouse Bank made valuations up to 6× faster, with no drop in report quality, and moved to full integration.
The transition window rewards firms that are operational now
The reforms phase in through to the end of the Parliament. Panel positions, integrations and underwriter trust are being allocated in these transition years — and Finvise is in those workflows today.