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It may be possible for you to get an upfront valuation if your broker has good relationships with ING. It's not general policy for ING to do them, but it can be done. They generally do a full valuation.

I've had several similar experiences to Aaron with valuers. They either don't like to admit they've made a mistake or they're risk adverse and if they've got a set of data that supports a lower figure they'll go with that. The chances of successfully appealing a valueation are almost zero, the...

To perform a change to the existing loan, ING will essentially require you to reapply from scratch. Pretty much the same process you're currently going through. I wouldn't say it's that bad, but it's not that good either. Quite a few lenders have similar processes but a couple make it much...

Reduced Equity Fee. It's INGs version of internal mortgage insurance. If you qualify for it, it costs about 2/3 of regular LMI.