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To be fair to the broker Aaron, that person probably had no idea about the condition of the property.

The cat is out of the bag on the valuation, had this been done up front they likely wouldn't have required a valuation at all. The good news is that they are more likely to approve the loan if it's at 80%.

I hate to say it, but had things been done differently, you probably could have avoided a valuation entirely. It appears that your financial position is good enough to allow you to go with an 80% loan instead of something in LMI territory, but it will take a little creative structuring. If you...