Been thare and hasd exactly the same happen to me WRT independent valuation. Unlucky for me, i was 14 months away from IP point, CETV from Glasgow was 1/3rd value that independent valued it at......Ex walked out from court with less than was offered, no spousal or pension sharing order.
Cue 2 years on , and ex buying a place at peak of the market and houe prices continuing to crash i'm better off. Gratuity and savings will see me in my own pad mortgage free with 24Yrs OR7 AFPS 75 payment before i get out of bed.