if you are doing refinance with bank, then the bank will appoint their panel valuer to do valuation report. you may check with your banker.

welcome. so your refinance cash out is term loan or overdraft?

if involve of transfer ownership, refinance disbursement will be take around 2 to 3 month. Nowdays alot of people taking overdraft facility too because is easy to use and the MOT fees can be deduct from the overdraft account.

property transfer to your son will involve MOT, so meaning your son will become the borrower for the loan application. if you don't mind, you can send me your property detail, i can help you to check your market value.

1. type of property
2. full address
3. landsize / build up size

Please check ur message. Need more info on ur property. Thanks.

I already reverted ur house value, u can check it out.