Your go-to place for Covid updates

Here you can find all the latest information, resources and materials to ensure you are kept up to date. We'll post updates as and when we get them so you can have confidence in coming to Air.

Sourcing with confidence: If you are ever in doubt, our sourcing technology already has any Covid related retentions, down valuations or criteria changes applied when you source a product. We're fully live so our information is never out of date.

If you need to speak to one of our team, call 01452 310777 or email us at [email protected].

Posted: 16 November 2020

Change to Just's Acceptable Properties Guide for Desktop Valuations

Posted: 6 November 2020


As England enter into a four week lockdown, we wanted to update you with regards to property valuations across England, Wales and Scotland.

Throughout the pandemic we have been liaising closely with our chartered surveyor partners to ensure that all property visits are carried out with the appropriate safety precautions in place.

As new restrictions are announced by governments in England, Scotland and Wales, we take all necessary steps to ensure we are both compliant and acting in the best interest of our employees, partners and customers.

For those advisers with customers awaiting a property valuation, valuations in England can proceed and Agents are allowed to continue to trade, we reiterate that the Welsh Government have issued revised guidelines advising ‘Surveyors are not prohibited from entering people’s property’. And in Scotland, home moves and associated activities will continue to be permitted, provided they can be carried out safely. Surveys and Home Reports can also be undertaken and people can move home in all protection levels, and to and from areas with different levels.

Together with our chartered surveyor partners we have concluded that we can continue to carry out physical valuations where it is deemed safe to do so. We will therefore continue to arrange and carry out appointments as we have been doing over recent months. We do however expect to encounter some delays.

Should you or your clients have any concerns, please do get in touch with our lending support team.

Posted: 5 November 2020


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Posted: 3 November 2020


A second lockdown across England will come into force on Thursday 5th November and will last until 2nd December in a bid to slow the spread of COVID-19. The revised government guidelines reflect the need to balance the wellbeing of the public with the impact on the economy.

For this reason, the housing market and all associated activities are expected to remain open throughout the lockdown period. Therefore, until we and our valuation partners at e.surv receive any guidance to the contrary, physical valuations will proceed throughout England.

However, the safety and wellbeing of our colleagues at e.surv and your clients remains our priority.

Physical valuations can take place subject to:

  • Both parties feeling well and not displaying any symptoms of COVID-19
  • The client(s) not raising any safety concerns regarding the inspection
  • Adequate COVID-19 safeguards being in place e.g. two metre distancing / adequate PPE / client(s) temporarily vacating the property for the duration of the inspection
  • The surveyor adhering to the ‘Working in others’ homes’ guidance created, issued and last updated on 3 August 2020.

Our valuation partners at e.surv are dedicated to ensuring the safety of your clients and will act in accordance with all government guidelines.

Wales & Scotland
The ‘firebreak’ lockdown in Wales remains in force until Monday 9th November. Our valuers based in Wales will continue to observe the restrictions and safety guidance – through the ‘firebreak’ and beyond.

In Scotland, the Scottish government is due to introduce a ‘five-tier’ system of restrictions that reflect varying infection levels across the region. At present, we do not believe this arrangement will restrict e.surv's ability to carry out physical valuations, but we will monitor the guidance and provide a further update if required.

Cold weather
Due to the cold weather, e.surv have already started to notice that some clients are unwilling to leave windows and doors open as requested by valuers at e.surv as part of their safety guidelines and ensuring the property is sufficiently ventilated, as this will let in the cold.

In the event that a client does not want to open windows or doors at a valuer's request, the valuation will be aborted and be rescheduled for a later date.

If you have any questions, email our dedicated COVID-19 inbox or contact your dedicated telephone account manager or business development manager. If your client does not want to proceed with a valuation until after lockdown, contact our adviser support team.

Posted: 2 November 2020


Lockdown restrictions are constantly changing and with the recent announcement from the Government of the 2nd lockdown for England our valuation approach is as follows:

Currently there are no locations where surveyor services are suspended.

England – New lockdown restrictions from Thursday 5th November – physical valuations are still allowed to take placeWales – ‘Fire Break’ lockdown until 9th November – physical valuations are still allowed to take place.

Scotland – 5 Tier system commence 2nd November– physical valuations are still allowed to take place.

Northern Ireland – Restrictions introduced 16th October for 4 weeks – physical valuations are still allowed to take place

Physical valuations

All new applications, further advances and ports a physical valuation will be instructed with Countrywide.

Countrywide will carry out their risk assessment with the customers at the time of booking an appointment.

A physical valuation should not be carried out where any member of the household is experiencing symptoms of COVID 19 and/or they are self-isolating. In this situation Countrywide will put the valuation on hold and book an appointment for after the self-isolating period.

If a customer is considered clinically vulnerable and a physical inspection cannot be safely carried out Countrywide will make arrangements to carry out a desktop valuation with the benefit of an external visit to the property. An appointment will still be made with the customer for the external inspection.

Desktop valuations

Where a desktop valuation has been carried out the loan will be subject to full underwriting assessment for suitability and the following criteria will apply;

  • J3, J4, and J5 LTV series, a 5% reduction to the property valuation will apply (desktop/external valuations are not available for J6 LTV series)
  • A full physical valuation will be required in the future (at Just expense)
  • An additional property questionnaire & photos are to be provided
  • The property is suitable for a desktop valuation – please see our Acceptable Properties Guide for Desktop Valuations
  • Loans where funds are for home improvements/essential repairs will not be accepted
  • Loans where funds are for non-essential reason the loan amount may be reduced until a full inspection can be carried out.

The type of valuation or if the case is to be put on hold will be established after Countrywide’s risk assessment. If Countrywide are unable to carry out an external inspection they will refer the case to the Underwriters for a decision on how to proceed.

Desktop valuations will only be released with permission from Just underwriting team, please do not assume they can be shared. If you wish to see a desktop valuation please raise this as a normal request, and assume an SLA of 48hrs to deal with the request.