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It's happy times now that every property is growing in value. However state by state you can pick a 5 year period that is either 0 or negative growth I paid a Logan property for $240K in 2014 from a vendor that paid $280k in 2008. In Sydney West, you would pay higher price in 2003/2004...

That's no good. Does that full assessment include a valuation of the property, re-evaluate the lend based on the new valuation? Just concerned when a property value fall on expiration of IO