I am seeking some opinions about valuing a property for the purposes of lending. When we were borrowing to buy an IP, a property valuer came to value our PPOR. As we were walking around I pointed out in conversation, all the extras we had added...large aircon shed, solar, security, aircons etc etc. He said to me all that doesn't matter and that all the valuation is based on is number of bedrooms and bathrooms...the very basics...and of course location. So assume a basic 3 bed, 1 bathroom house was $300k in the area. Then assume the basic + shed, aircons, solar would get $330k in that area. Would the bank just stick close to the $300k and ignore the extras or would they value it closer to the $330k? Taking the above example, the $30k difference would be quite useful in borrowing.