A counter-appraisal is not "a second figure"
Anyone can produce a different estimate. A counter-appraisal compliant with RICS standards does something else: it audits the first report — the basis of value retained, the comparables used (are they truly comparable? at the right date? in the right segment?), the adjustments applied, the surface areas considered, the property condition observed or assumed — then establishes a reasoned value, gap by gap. That documented, adversarial character is what carries weight in a negotiation.
The 5 situations where it changes the outcome
1. Undervalued bank appraisal
The bank's appointed expert retains a prudent value that cuts your loan-to-value. A VPGA 2 counter-appraisal gives you an objective basis to renegotiate — or finance elsewhere.
2. Tax reassessment (DGI)
The administration challenges your declared price based on its own comparables. The counter-appraisal is the cornerstone of the 30-day written observations and the appeal before the commission.
Tax audit after a sale →3. Insufficient expropriation offer
The compensation offered does not reflect the real value of the expropriated property. An independent documented valuation structures your negotiation with the expropriating authority.
4. Disputed inheritance partition
An heir considers the retained value too low (or too high) for the partition. A neutral second valuation objectifies the discussion and unlocks the joint ownership.
Inheritance diagnosis →5. Dispute with a developer or seller
Delivered surface below contract, non-conforming finishes, discovered defects: the counter-appraisal quantifies the loss and feeds the pre-litigation negotiation.
Pre-litigation expertise →Why an independent firm — not the expert across the table
Large institutional clients (banks, funds, administrations) work with their appointed valuation firms. That is legitimate — but when you are the challenging party, your expert cannot be the one on the other side of the table. ReaConsult sits on no bank panel and holds no administrative mandate on your file: our only commitment is a reasoned market value, compliant with the RICS Red Book, signed and usable in your negotiation.
Method, timelines and guarantees are the same as for any assignment: systematic site visit, documented comparables, report within 5 to 8 days (48-72h express), free correction if rejected for methodological grounds, from 3,500 MAD (excl. VAT).
Frequently asked questions
What is a property counter-appraisal?
An independent second valuation that audits the first report point by point (methodology, comparables, assumptions) and establishes a reasoned value. That documented adversarial character is what carries weight in negotiation.
Can I challenge the appraisal commissioned by my bank?
Yes. If the retained value unfairly cuts your loan-to-value, an independent VPGA 2 counter-appraisal gives you an objective basis to renegotiate or finance elsewhere.
And against a DGI reassessment?
The counter-appraisal is the cornerstone of the defense: real value demonstrated at the relevant date, the administration's comparables challenged, a structured memorandum for the observations and the appeal commission.
Timeline and cost?
Report within 5 to 8 days after the visit, 48-72h express. From 3,500 MAD (excl. VAT) depending on the property and the complexity of the report to review. Firm quote within 24 h.
Usable in court?
It is a private expert opinion: it serves negotiation and your file. In court proceedings the judge appoints an expert — your counter-appraisal then informs the debate and structures your submissions to the court-appointed expert.
RICS counter-appraisal
A report looks questionable? Have it audited.
Send us the first report — answer within 24 h with a firm quote. ★ 4.9/5 on 47 reviews · RICS-certified experts · across Morocco.
Get a quote