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Did you go to university? erythromycin mg acne oi Mr Hargreaves pointed out that any incentives had to be declared to the mortgage lender, as a valuer will usually reduce the value of the new home by the value of the incentive. For example, a property priced at £400,000, with a 5pc deposit paid by the developer, will have its value reduced to £380,000 by the surveyor. "And because the value of the house is reduced, your potential mortgage amount will be reduced as well," he said.