💡Valuations: one of the most misunderstood parts of the property game.

✅ Banks use settled sales, not recent ones
✅ Valuers & agents don’t “negotiate”
✅ You can request another valuation (just don’t expect the first one to change!)

In fast-moving markets, this can make or break a deal — especially with off-the-plan or auction sales.

If your valuation falls short, talk to your broker early. And remember: the bank always lends against the lower of the contract price or the valuation.

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