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I only had one bad experience with a valuer. I think he was very incompetent. He rang me and asked why I thought the property was expected that much. I gave 4/5 properties that are currently for sale (one is on the same street!). Then he sent his ridiculous valuation, about 25% less than...

I was in a similar situation with a re-finance with a certain lender. A different lender gave a higher (expected) valuation.