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1. Yes, you can get valuations done by more than one lender and take the best one. 2. In my experience the NAB internal valuations are usually more conservative and far less accurate than independent valuations. You also have to lodge an application to get them to order an internal valuation...

The lender will get a valuation done when the property is completed and they'll lend against that valuation - for better or worse. Given there's more than 6 months between signing the contract and settlement, quite a few lenders would recognize the higher valuation. Also be aware that...