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The postcode isn't the issue per se. The issue is the risk rating within the valuation. A valuer may mark a 4 or 5 based on certain aspects of the property.

No they will. Theoretically you can go to 95% but what may stump you is the potential risk ratings for the suburb (similar to places like Singleton). I haven't done a loan for a wellington property but I could imagine high risk ratings for the suburb which will prompt the lender to enforce...