A desktop valuation (also called a hybrid or automated valuation model, AVM) is based on data and comparable sales without a physical visit. It’s quicker and cheaper but not always accepted by lenders for new mortgages. A full NWWI appraisal involves a site visit by the valuer, who inspects the condition and unique features of the property, making it more accurate and reliable. Ask your lender or advisor whether a desktop valuation is sufficient. For newly purchased homes or complex cases, a full NWWI report is usually required.