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Thanks Marty, I think we've been given a bum steer by our bank who gave us the false hope in the first place that it would work. They're going to sign off with a completed valuation regardless, so I guess it can only go up from here! Time will tell, it always does :D

Thanks for your reply mattnz. Similar homes about 2 yrs old are selling for between $550k to mid $600k's. The total cost to us for land, contract & upgrades is $512,500, but our end mortgage will be $449,596. I seriously doubt overcapitalising is the problem. Incidentally, I just received...

Hi all, in reference to my earlier thread regarding our PPOR being valued during the construction phase, can someone (perhaps a Valuer?) please explain to me the difference between valuing a property TOC (tentative on completion) and valuing the completely finished home? We are hoping to get a...