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Thanks Michael. Any timeframe that you suggest (say 6 mths or 1 year), before I start to refinance again (using the same bank)?

My last valuation (with this Bank) is in May-13 (loan settled in July-13). I plan to refinance using the same bank at the end of this (probably Nov-14). Is that long enough to increase the valuation (perhaps due to significant increase from last year to this year)? Any thought would be much...