Hi Paul - sorry I missed your previous message (I was on hols in the sunshine 
)
Thatās interesting - how far off are we talking? Is this difference between your lender-reported balance & TU-balance getting wider over time or consistently different by roughly 1 or 2 monthsā of overpayments
Hi All,
Iām looking at my house valuation and have found that the estimate provided in the app is much lower than the one on Zoopla.
I suspect this is because we have a conservatory, which Zoopla seems to account for. The appās valuation tool appears to be based on more generic data, with no way to add information about extensions or improvements.
Is this a common issue? And more importantly, how much weight should I give these online estimates?
Hey! Is that because youāve added a conservatory since you bought?
You can see a little bit from one of the times I last spoke about the nerdier parts of valuations
One of the fun (read: challenging) things around valuations is that theyāre only ever an estimate until you sell to someone else and it gets ālocked inā, and maybe all companies (us included) should move away from the illusion of false accuracy! 
Right now, we try to extrapolate from purchase price and date in your local area for your property type up to present day, using Land Registry and Office for National Statistics data.
That being said, thereās some really cool companies that get super-granular on most of the properties in the UK (using things like satellite imaging, LIDAR, previous sales and lettings listings, planning applications) to build a richer view of a property and its neighbours. I actually brought one of those companies in to help our Insurance team set up the new buildings and contents insurance product! 
Hi Harry, no worries at all. Hope you had a good time 
The bank is showing Ā£613.49 less than what Iām seeing in Monzo (TU and Equifax). Iām assuming itās something to do with overpayments, but whether it is or isnāt, why wouldnāt the bank report the updated balance to the credit agenciesā¦?
Iāll investigate whether the gap is widening at the next report. Thanks!
That does sound like overpayments might be at play here! A couple of things that might make this hard to match up:
Hope that makes sense but do keep an eye on it and let us know if you spot anything!
One more thing before the weekendā¦ please give a warm Monzo welcome to @hayley! 
Hayley has joined our team as a Senior Product Manager to help us take this area to the next level 
She comes with a wealth of experience in fintech and after a few short months is bringing a great new energy & direction for the team!
Youāll see Hayley join me in this bumper 600+ reply (and 40k views 
) thread 
Iām also not going anywhere!
Welcome @hayley 
The bump of this topic has reminded me that the app is still showing my old mortgage, and not my new one. I need to figure out how to update it.
Thank @HB yes that does make sense. Iāll keep an eye on things 
Hello!
Iāve made use of the partnership with Better.co.uk and had them handle my remortgage, which is great.
One small thing though, the status of the process is that the mortgage application has been submitted to the lender:
However, the status tracker in Monzo isnāt reflecting that, and is lagging behind, showing Iām at step one instead of step 4:
Is this a Monzo issue, or something I need to raise with Better.co.uk?
Thanks for any assistance!
Hey - glad to hear that the remortgage has gone well so far
Now that is odd! If you donāt mind, Iāll drop you a DM for your email address so that we can see if we can get this fixed for you?
Thatās great, thanks @HB
Iāve posted to the connected accounts thread as well about being able to see home value even without mortgage. There are potential reasons apart from Net worth. One of them is equity release if I need one which could be a potential opportunity for Monzo/banks.
