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Theres also finding out what the sales are on the val and contesting it - if you have comparable sales - which you can find out often either verbally or with the copy you have (for example CBA, ANZ let you have the copy although CBA you pay upfront.) Then you dont go thru these issues and have...

This is a bit confusing - happy for anyone to fill in the blanks (or should I say banks) where I've missed and maybe this is more just for Qld. NAB use SIO's - security inspection officers or valuers from a panel depending on the deal Westpac uses Australian property monitors for desktop stuff...