just when everything is going smoothly ready to settle on the OTP, the valuation comes in short. Taylor Byrne valued the property 33k under and a second valuer from CBRE valued the property at contract. What a vast difference the 2 made. Considering the 2, NAB (Taylor Byrne) offer me 80% and Westpac (CBRE) offers only 70% loan. What would have you done if you were me? Taylor Byrne had stood by their valuation and no review of their valuation. The subject property was valued as a 3Bedroom when CBRE valued it as a 4Bedroom. Bottled gas (Taylor Bryne) when in actual fact it had Town gas piped in, such a big mistake. I thought when life deals me a lemon, I'll suck it all up and in 6 months' time, I'm good to go again when a revaluation and extract the equity out. Perhaps the only issue would be the loss in tax deduction from the higher downpayment. Would anyone have better lender at 80% compared to NAB? urgent help needed as I'm due to settle in 2 weeks.