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INGs upfront valuation doesn't cost anything. To avoid LMI with any lender the loan generally needs to be 80% LVR or lower. Given your loan is $470k, you'd need the valuation to be about $587,500 or more. Given the purchase appears to be recent, most likely you'll get a valuation result very...

From a brokers point of view negotiating rates with the NAB is a matter of sending an email and waiting about a day for the response. I can't imagine it would be that much difference in house. If this is an investment property, they're not going to negotiate at all at this point in time. The...

You get the property revalued and if the valuation confirms the 80% or lower LVR, you request the loan to be repriced based on that. It does depend on the lender. NAB is fairly responsive to this in my experience whilst some other lenders aren't repricing within as much as 12 months. (CBA...