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Colin, i just ordered 3 vals and ended up with one modelled estimate and 2 full vals, all loan increases at 80% LVR.

A few hours before the RBA announced the cut I received figures for the discounts with ANZ and they were slightly more generous than these.

around 1.1% discount.

No, you would expect the values to be the same.

Legal issues. Valuers contract with the lender instructing. They will only allow the valuation to be used for this purpose.

Why not just wait it out. Policies change. Unless you wxpect a change in the work situation?

off top of my head. 1. I think you will need to be reassessed 2. I tried this recently for a client and a full app was needed. If not LOC it wouldn't. 3. Short form, as long as no LOC involved should be relatively easy.