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Does it depend on the loan size though (I.e loans > $1m). Or is it just dependent in the lender as long as below 80%? We went with ANZ and they ordered a full valuation which came in 20-25% below desktop value.

Are there any lenders who do refi up to 80% based on desktop valuation price only? I have recently had the experience of a WAY below market valuation and whilst it didn't affect the deal (still < 80) I would like to know in future what lenders I can consider who will refinance based on...