# Can I challenge a low appraisal?

> Yes, you can request a review or provide additional information to support a higher property value.

Category: Purchasing
Last verified: 2026-02-18
Source: https://ratellow.com/faqs/purchasing/can-i-challenge-a-low-appraisal

## Answer
Yes, you can request a review or provide additional information to support a higher property value. FRFIs must have a framework to review and challenge valuation assumptions, so provide supporting documentation and comparable sales data.

## Institutional highlights
- Your lender should have a process to double-check the appraiser's work if the valuation seems off.
- The appraiser your lender uses needs to be properly qualified to make sure they know what they're doing.
- The appraisal needs to be done carefully and without influence from the lending decision.

## Related guide
- https://ratellow.com/guides/dealing-with-low-appraisals

## Sources
- Property appraisals — https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/residential-mortgage-underwriting-practices-procedures-guideline-2017#2.4.2
- Property value used for the LTV ratio — https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/residential-mortgage-underwriting-practices-procedures-guideline-2017
- Footnotes — https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/capital-adequacy-requirements-car-guideline-2026