One of my cousins wants to do a top up for renovations. I looked on RP Data and it values her property based on the 2012 purchase price, even though the suburb has had over 50pc growth in two years (as per RP Data info on the Val report). Do lenders use RP Data for their desktop Vals? FYI the property is in the lower blue mountains. Very low turnover there so Val is based on 2014 sales comparables.