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Thanks Peter.. So, if the "upfront valuation" didn't cost me anything, does it mean they are not doing the full valuation (so they are doing desktop valuation)? If they are end-up doing the full valuation, who is going to pay for the valuation? Thanks..

Thanks Jamie & tobe... To get an upfront valuation, can we ask ING ourself (without a mortgage broker), provided that our mortgage is with ING ? Or it's only exclusive to certain mortgage brokers? And also, is there any fees associated normally (for full valuation, etc)? It would be...

What is the upfront valuation & the purpose of it? Can we ask about the upfront valuation ourself (without broker)? Any fees associated? Sorry to ask basic questions. I just want to know. Thanks.