Residential & Mortgage Appraisals
A residential appraisal is an independent, certified opinion of a home’s market value. Lenders and mortgage brokers rely on it to approve purchases, refinances and private mortgages, and homeowners use it to price a sale or plan a move. Riverbend’s CRA, P.App. designated appraisers are approved with major Canadian lenders and serve London and Southwestern Ontario.
Trusted residential appraisals you can count on
Riverbend Appraisals Ltd.
At Riverbend Appraisals, we deliver precise, high-quality reports with quick turnaround times and clear, responsive communication. Proudly serving London, Middlesex County, St. Thomas, Elgin County, Oxford County, and the surrounding Southwestern Ontario region, we are the local appraisal experts you can rely on.
Lawyers, mortgage brokers, buyers, sellers, and investors consistently choose Riverbend because we treat every appraisal with the attention and respect it deserves. Our in-depth analysis provides clarity, accuracy, and assurance throughout the entire process.
Experienced professionals turn to Riverbend to avoid costly errors, make informed decisions, and navigate sensitive situations with certainty. Because when every detail matters, a reliable appraisal isn’t just a service. It’s your safeguard.
Take your next step with confidence and start your appraisal process today!
Proudly serving London, Middlesex County, St. Thomas, Elgin County, Oxford County, and the surrounding Southwestern Ontario region.
Learn more about our residential appraisal services
Home appraisal for mortgage financing & refinancing
Ensure timely and accurate mortgage appraisals for lenders, mortgage brokers, homeowners and homebuyers to secure financing and prevent costly delays. Riverbend delivers certified valuations that meet lender requirements and protect financing decisions throughout the approval process.
Approved lendersEstate planning & probate property appraisals
Riverbend provides reliable estate and probate property appraisals that ensure fair asset distribution. Our valuations are legally defensible and meet the requirements of estate law, providing trusted support for executors and estate lawyers.
Estate & probate appraisalsProperty appraisals for separation agreements
Fair separation agreements depend on impartial, well-documented property valuations. Our certified separation appraisals provide a trusted foundation for asset division and help prevent costly legal disputes.
Separation appraisalsDivorce property appraisals for fair asset division
Riverbend offers precise divorce appraisals to ensure property division is fair and based on accurate market value. Our certified appraisals are recognized in negotiations, mediation, and court proceedings.
Divorce appraisalsLitigation appraisals & court-ready expert witness services
Riverbend provides expert litigation appraisals built for complex legal disputes. Our detailed reports and certified valuations are designed to withstand cross-examination and meet courtroom standards.
For lawyersMarket value appraisals for listing & selling your property
Get the right list price with Riverbend’s accurate market value appraisals. Whether you’re a homeowner, real estate agent, broker or investor, our valuations strengthen negotiations and support quicker sales.
Request an appraisalRelocation appraisals for corporate & personal moves
Riverbend provides timely and accurate relocation appraisals, ensuring smooth transitions for corporate moves or personal relocations. Our certified valuations help protect financial outcomes and keep transfers on track.
Appraisals in relocation planningPersonal property appraisals for private sales & financial planning
Riverbend delivers accurate, independent personal property appraisals for private sales, estate planning, and family agreements. Our trusted valuations help individuals make confident financial decisions.
Request an appraisal
When lenders and owners need one
- Buying a home with a mortgage, or porting one to a new property
- Refinancing, adding a HELOC or taking equity out
- Private or alternative lending that needs an independent value
- Pricing a home before listing, or negotiating a purchase
- Corporate or personal relocation
What the report includes
- An interior and exterior inspection, with photographs
- Neighbourhood and market analysis
- Comparable sales analysis, with adjustments
- Cost or income approaches where applicable
- A detailed report in the format your lender requires
- Compliance with CUSPAP and AIC standards
Why Riverbend
- Approved with major Canadian banks, credit unions and insurers
- High quality reports, quick turnarounds, prompt communication
- Local experts across London and Southwestern Ontario
- CRA, P.App. designated appraisers, members of the AIC
- Independent and impartial: no stake in the transaction
Signed, certified and ready to file
Every report is written for the people who will rely on it, states the effective date clearly, and is signed by a designated appraiser.
- Clear effective date and purpose
- Comparable sales with explained adjustments
- Photographs and inspection notes
- The appraiser’s signed CUSPAP certification
Appraisal report
Subject property
- Purpose
- Mortgage financing
- Effective date
- Date of inspection (current)
- Intended users
- Client and named lender
- Standard
- CUSPAP
- Approach
- Direct comparison, with cost or income where applicable
Opinion of fair market value
Designated appraiser, CRA, P.App.
How a residential appraisal works
Order received
Your lender, broker, agent or you place the order. We confirm the property type, purpose and scope of work.
Research and quote
We gather records, listings and market data, then confirm the quote and book access with the homeowner or agent.
Inspection
We document the exterior, interior, layout, size, condition, upgrades and any deferred maintenance.
Analysis and report
We analyze comparable sales, reconcile a value and deliver the signed report to you or your lender.
Residential appraisal questions
Answers for homeowners, buyers, mortgage brokers and lenders.
Will my lender accept a Riverbend appraisal?
Riverbend is approved with a wide range of Canadian banks, credit unions, mortgage insurers and appraisal management companies. See our approved lenders page for the current list, or ask your broker or lender to confirm before ordering.
Who is a qualified appraiser?
The Appraisal Institute of Canada (AIC) designates appraisers after years of training and experience. A Canadian Residential Appraiser (CRA, P.App.) is qualified to appraise individual undeveloped residential sites and dwellings containing not more than four self-contained family housing units. An Accredited Appraiser Canadian Institute (AACI, P.App.) is qualified to appraise a wide range of residential, commercial and industrial real property.
Why would I need an appraisal?
Buying or selling property is typically the biggest financial decision any of us make. An appraisal from a designated appraiser may be needed to obtain a qualified opinion of value for mortgage or lending purposes, give investors adequate information for investment decisions, support compensation when property is expropriated, or provide an expert opinion of value in legal disputes and settlements.
How is an appraisal different from a home inspection?
A home inspection reports on the condition of the building and its systems. An appraisal is an opinion of market value. The appraiser does note condition, because it affects value, but the report’s purpose is to establish what the property is worth.
How is an appraisal different from my MPAC assessment?
An MPAC assessment is a mass-produced estimate used to calculate property taxes, valued as of a fixed base date. An appraisal is an independent opinion of the fair market value of your specific property on a specific date, based on an inspection and comparable sales.
How much does a residential appraisal cost?
Every appraisal is quoted individually, because the scope depends on the property and the purpose of the report. Contact us with the address and what the appraisal is for, and we will provide a quote before any work begins.
Take your next step with confidence.
Send us the property address and what the appraisal is for. We will confirm the scope and quote before any work begins.
Other appraisal services
- Divorce & SeparationCourt-ready valuations of the matrimonial home, as of the date of separation or today.
- Estate & ProbateDate-of-death values for estate administration tax, executors and the final return.
- Capital Gains & CRAFair market value reports for change of use, deemed disposition and rental property sales.
- Mortgage & ResidentialLender-accepted appraisals for purchases, refinancing and private lending.
- Approved LendersThe banks, credit unions and lending platforms that accept our reports.
