Surveyor Valuation Survey -LTV

[tali1]

When a Surveyor does a Valuation Survey does it mean if there is a good LTV say 100k loan on 125k agreed price he will value almost as a formality
My problem with this is that the Surveyor is concentrating more on the mathematical security of a good LTV , rather than than the condition property itself?- whereas on a poor LTV -5k only on 125k he will give a far lower valuation
Or have i misinterpreted?

[buildersmate]

The purpose of the survey is to assure the mortgage company that if they get to sell the thing in a hurry (because you defaulted), they would get your mortgage value back from the sale proceeds.
It should be entirely bogus to suggest that the valuation is impacted by the size of the loan that you propose to borrow. The valuation is likely to be about 10% less than the free market valuation - maybe 15-20% if the house is unusual or has some other aspect that makes it hard to value.
As you know presumably, valuations are not a precise science - they are an opinion of someone who has seen more houses sold than you or I, in your immediate neighbourhood.