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That's why you don't order a valuation for a purchase prior to finalising the purchase price. It's almost impossible to get a valuation amended after the fact, and even if you do, if the loan is above 80% the lender often can't accept the amended valuation due to restrictions from the...

In hundreds of loan applications for auction purchases, spanning a period of over 10 years, I've had it happen once. The circumstances were very unusual. A client purchased one of the properties on "The Block" reality TV show. The valuer made comments that the TV show had over marketed the...