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Yep well I think thats a fair reason to want to move...... The good news is that lenders are fighting for business more than ever (particularly sub 80%).

Normally the case when they do desktop vals. I wouldn't look at refinancing from your current lender unless there is a need. You can still unlink your loans with the same bank. If you are going to move banks it should be for a specific reason/aim.

Banks will be happy with a desktop val if there is plenty of fat in the LVR. BTW are you cross securitised?

This is not with all lenders (only a handful). Most lenders will require a valuation even if the LVR is at 80%. Further to what Aaron has said - I would recommend waiting a few months and re-valuing the property with the support of recent sales and/or any additions or renovations made to the...