ebony and jalisa's case is far from unique. group london & country more than half of its staff are now seeing down valuations on a daily basis. at the uk's second—biggest online estate agents emove, one in five of their houses are now being down valued. surveyors are under obligation and they have insurance covers so they make the right decision, so when it is happening sometimes it can be somebody from out of the area who is maybe overcautious, or it can just be another surveyor knowing that the market is slightly softening and therefore they are being a bit overcautious to cover their back. down valuations aren't anything new but many mortgage advisers we have been speaking to say that this is the most they've seen them happening since the financial crash and those who are affected the most by them tend to be those who have really small deposits for their homes or those who are remortgaging after doing a bit of work. the banks who employ the surveyors told us valuations help borrowers avoid paying over the odds. yet down valu

ebony and jalisa's case is far from unique.being down valued. surveyors are under obligation and they have insurance covers to make sure they make the right decisions, so when it is happening sometimes it can be somebody from out of the area who is maybe overcautious, or it can just be another surveyor knowing that the market is slightly softening and therefore they are being a bit overcautious to cover their back. so, down valuations aren't anything new but many mortgage advisers we have been speaking to say that this is the most they have seen them happening since the financial crash. and those who are affected the most by them tend to be those who have really small deposits for their homes, or those who are remortgaging after doing a bit of work. the banks who employ the surveyors told us valuations help borrowers avoid paying over the odds. yet down valuations are costing people money, at least in the short—term. and it's also adding to the slowdown in the housing market. for ebony and jalisa they hope buying their next hou

ebony and jalisa's case is far from unique.e area who is maybe overcautious, or it can just be another surveyor knowing that the market is slightly softening and therefore they are being a bit overcautious to cover their back. down valuations aren't anything new but many mortgage advisers we have been speaking to say that this is the most they've seen them happening since the financial crash and those who are affected the most by them tend to be those who have really small deposits for their homes or those who are remortgaging after doing a bit of work. the banks who employ the surveyors told us valuations help borrowers avoid paying over the odds. yet down valuations are costing people money, at least in the short—term. and it's also adding to the slowdown in the housing market. for ebony and jalisa they hope buying their next house won't be as complicated as this one. rick kelsey reporting. paying tribute to fallen war heroes through song has been a frequent means of commemoration thoughout history, but what about doing so on