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RumpledElf, I would have thought 60% LVR was low enough for a drive by val. But perhaps in your own particular case it may be the postcode that makes them nervous and requires the full val.

I commission my own valuation and always get the valuer to come inside. Then I have the val reassigned to my lender of choice (assuming the valuer is on their panel of valuers) You are having 'drive-by' or 'desk-top' valuations done which is OK for low LVR loans but I am getting max LVR...