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Well you might be confusing things. If you were getting a 100% LVR loan then YES, I'd be very concerned. A margin of 5% either way - it sucks - but you get that. 24% - you're either paying way, way too much or the valuer is a moose. Either way you need to know so you can either - walk away from...

So am I understanding you correctly when I say that the bank valued the property at 76% of the price you are offering to pay? This is only useful information IF you are buying a median priced property AND it was 3 months ago. (The data is 3 months old by the time you get to see it). Time to get...