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Don't hope - be ready. Have contingency "worst case" plans ready. When we went OTP, we were prepared for a worst case scenario of a 60% lend (we got the 90% we were looking for so all was good - had lots of spare cash to buy another property! :)) Cheers, The Y-man

Just make sure you have the money to settle if the value doesn;t come in as high as hoped (as some people here have discovered much to their pain) The Y-man