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At least you have a bdm. Even if hes probably wrong

These vals only good for 90 days. Dont know who told you about the 12 month rule but I've never had CBA bang me over the head with that one (others might have but I havent)

RV - this is a twist on 'normal' valex. The val is ordered for upfront by the broker on behalf of the client. The client pays for it not the bank. Alternatively if they're confident in it then the bank orders it. But these are client ordered vals - in the bulletin it states • How do...

I think the borrower pays for it upfront with their credit card so its their valuation (i.e. so borrower / applicant can keep it) but only for cba mortgage security purposes. as MC1's noted, other lenders let you order upfront Sometimes no choice and you have to use cba though