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Hey TMNT, sorry i meant more the equity out. I agree it's not market value a lot of the time. but you only really care what the bank thinks when you want to get equity out.

my friend works for nab and deals with equity release all the time, he says they never even look at a release unless it's 12 months past settlement. the only time they would look at a release is if they have done a reno. if the house is worth 300k and you pay 250k. the house is now work 250k...

what do you mean?