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Actually, my broker said that ANZ can lend under 90% without full valuation. The problem is there is a lot of images show cracking walls on realestates website that agent uploaded. Then the banker saw and the story begins. Obviously find that inexperience & overlooked the whole picture...

I know I know... it's me again. :( So much worry & stressful. I'll get the quote from builder and deal with ANZ at 80% to see what happens. The valuer just note that he is unsure about the house condition/ structural and agree with that purchase price. Thanks.

Hi all, Long time reader, first time poster, I would like to say thank you to everyone contributed for the daily food of thought on the forum. I hope someone shed me a light to avoid the coming mess. I bought my PPOR midst last year in Sunshine VIC with 265k mortgage/ 400k value, and...