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Steve, your post is full of punctuation win. :p

... Bit of an update!! I just spoke to my broker..... and it seems that ordering your own valuation with this system will allow you to get around the 12 month rule :) If I applied to CBA directly to do a top-up, they would refuse without doing a valuation, because the property is less than 12...

Apparently just came into play somwhere areound April-May this year. I was waiting until 6 months after purchase (June) to refinance, and was told I would really not have a chance due to new policy - unless i did some renos. I think the new policy was: "Cannot refinance/top up a mortgage within...

I couldnt find this on the link.... but how much does it cost? Also - does CBA still have the 12 month rule, whereby they wont refinance/top up a mortgage within 12 months of purchase unless the property has been renovated? Ive got a good $40K or so i can pull out for another IP deposit from a...