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a prudent valuer will look for comparable sales OUTSIDE the current development, and typically resales of 8 to 15 yr old stock is regarded as quite comparable. I assume you have a copy of the val so you can see what comps were used ? ta rolf

cant hurt to try some different valuers / lenders 20 k isnt a lot and is very much within standard spread if your serviceabiity is ok, get your broker to try ANZ or WBC or STG, all of whm use the VMS network so your chances of getting the same valuer are slim ta rolf