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Mortgage valuations hit record highs in 2026

Mortgage valuations hit record highs in 2026

Mortgage valuations have reached record levels in 2026, driven by rising property prices and strong demand. This has a direct impact: banks are valuing properties higher, allowing buyers to access larger mortgages.

In simple terms, more people can buy, and they can afford higher prices. This reduces one of the biggest past issues: sales falling through because the valuation was lower than the agreed price.

How this affects properties in areas like Torrevieja, Orihuela Costa or Pilar de la Horadada

In Costa Blanca South and Costa Cálida, this effect is even more noticeable. The market here depends not only on national buyers but also on international demand, which remains strong.

When high demand, financially solid buyers and rising valuations come together, the market becomes more dynamic. Well-located properties sell faster and with less pressure to reduce the price.

Is it less likely for a sale to fall through due to valuation?

Right now, yes. Higher valuations mean banks are more likely to support the agreed price, reducing the need for last-minute renegotiations or additional buyer funds.

It can still happen, but the risk is significantly lower than in previous market cycles.

Will property prices continue to rise?

Forecasts suggest they will, although at a more moderate pace. The reason is simple: demand still exceeds supply, especially in coastal areas.

In Costa Blanca South and Costa Cálida, this is reinforced by strong international demand, limited well-located properties, and new developments that do not fully meet market needs.

So, is now a good time to sell?

At present, the market conditions are favourable for sellers. There are active buyers, available financing and strong prices.

However, not everything sells automatically. Pricing and strategy remain key. A poorly positioned property can lose visibility, even in a strong market.

Record valuations confirm that the market is in a good moment. For property owners in Costa Blanca South and Costa Cálida, this means real opportunities to sell under favourable conditions.

At Munfort, we analyse your property using real market data from your area, so you can sell with a clear strategy and avoid missed opportunities.


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