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Ok you may be able to get a desktop val done - I say this because we do this regularly and find that (similar to the ANZ desktop vale) come in very generously. However you won't be able to do this for 90% LVR loan.

There are heaps of initiatives that CBA are going to roll out over the next 6-12 months which are going to be industry firsts so very excited for what's about to come.

Did you get a system val or a full val with Westpac?

Westpac provide upfront valuations for some of their brokers and the good thing is that you can use the valuation for St George applications as well (and vice versa). Refinancing will cost you somewhere between $1 - $1.5k and even more if you have paid LMI on the previous loan (which you can...