Hi All - I was referred to this forum, and from reading the threads, everyone certainly seems to have a lot of property experience! I purchased my home 2.5 years ago - and borrowed 100% with 20% guaranteed by my parents. I purchased the property for $268K but the property was valued at $280K. I now owe 80% of the valued price (so less that $224 K) so wanted to remove my parents as guarantors (they were reluctant at best). I also thought this would be a good opportunity to refinance as I did not have many choices due to needing to borrow 100%. Anyway - does anyone have any tips on how to get the best valuation. I'm worried as I'm in the process of diy-ing the garden (back and front) - so it's a bit of a mess (removing the grass and turning into low maintenance native gardens). As a positive, I have added a solar system (1.5 kW) to the house. House prices on re.com.au for similar places (2brm houses) seem as good as when I bought despite the mining downturn. Is it worth paying for reports of myrpdata.com.au?? I don't need an increase in value, just the same value - if it has decreased at all, I don't have much wiggle room in terms of the 80% LVR.... I've never been through a valuation before - so advice on if I should delay for as long as possible and fix up the garden as much as possible and clean like crazy - or if its not really going to matter would be really helpful. Thanks!