Quick Answer
Yes — a mortgage can still be declined after valuation if issues are found during final checks.
Why This Happens
Affordability issues
Income may not meet lender requirements.
Credit problems
Recent borrowing or missed payments can affect approval.
Down valuation
If the property is worth less than expected, lending may be reduced.
What You Can Do
- Speak to a broker
- Review your finances
- Try another lender
Final Thoughts
A valuation is progress — but not a guarantee.