In today’s fast-paced lending environment, speed and certainty are everything. Mortgage banks and lenders are under pressure to approve loans faster, reduce operational costs, and maintain compliance, all while delivering a seamless experience to brokers and borrowers. This case study explores how one major lender partnered with Opteon to transform their commercial valuation process using the innovative Commercial Desktop Assessment solution.
Full commercial valuations are essential for many assets, but simpler properties, such as warehouses, retail spaces, and offices, sometimes require a faster, more cost-efficient assessment. Lenders in this case study needed a solution that could streamline the valuation process for these lower-risk assets, while maintaining the same standards of quality and compliance.
Opteon introduced its Commercial Desktop Assessment—a market-first solution designed specifically for low-risk commercial properties with fewer than three tenancies. The product is fully backed by Professional Indemnity insurance and delivered through Opteon’s proprietary Valuation Management System (VMS), which includes over 300 automated compliance checks and robust quality assurance workflows.
Key features include:
Fast delivery within days, not weeks
Seamless escalation to full valuation if required
Risk commentary and verified data inputs
Full PI backing for peace of mind
Opteon worked closely with the lender’s credit and risk teams to pilot the Commercial Desktop solution. The integration was smooth, thanks to Opteon’s scalable VMS and internal Valuer Accreditation Program, which ensures every valuation is handled by qualified professionals.
The lender began using the solution for:
Annual reviews under APS220
Equity draws and restructures
New security approvals for low LVR properties
The impact was immediate and measurable. Within months, the lender reported:
| 7+ Days Faster loan approvals |
~20% reduction in valuation costs across all assets |
3.2 Tonnes CO₂ Reduction from fewer site inspections |
Accuracy Within 10% of full valuation figures |
These results not only improved operational efficiency but also enhanced borrower satisfaction and broker confidence.
Commercial Desktop empowers lending teams to act quickly and confidently. For example, when a borrower’s loan term is nearing maturity, bankers can order a desktop assessment, identify equity growth, and offer redraw or reinvestment options - without triggering inspections. This proactive approach strengthens relationships and improves retention.
This successful implementation demonstrates that the future of commercial lending is faster, smarter, and more sustainable. Opteon’s Commercial Desktop Assessment is now available to other banks and lenders, with proven scalability across residential and agribusiness sectors.
Opteon’s partnership with this major lender showcases how innovation, data intelligence, and human expertise can come together to solve real-world challenges. For lenders looking to reduce “time to yes,” improve client outcomes, and stay ahead in a competitive market, Commercial Desktop is the solution.
Product is currently available to ADI Lenders only.
DISCLAIMER
This article is produced by Opteon Property Group Pty Ltd. It is intended to provide general information in summary form on valuation related topics, current at the time of first publication. The contents do not constitute advice and should not be relied upon as such. Formal advice should be sought in particular matters. Opteon’s valuers are qualified, experienced and certified to provide market value valuations of your property. Opteon does not provide accounting, specialist tax or financial advice.
Liability limited by a scheme approved under Professional Standards