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What I mean Brady is that we ordered a valuation for a client recently. The report was delivered about 30 seconds later and was about 20% below what I know the market in the area is getting. It is a desktop valuation otherwise it would have taken more than 30 seconds to generate. It was not...

If you're willing to refinance to the CBA, then a CBA valuation will be helpful. Westpac wouldn't accept a CBA valuation so there's no point if you're not willing to move. It's also unlikely that your own valuation would be accepted by Westpac (or any lender). Westpac is the last of the Big 4...