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Well your not far from the stag :)

Lol 5000? Rural you mean Adelaide CBD?

If the contract is subject to settlement then the banks valuers should be valuing the property as a separate property. You will need to get the bank to accept the valuation amount if its higher than the contracted amount, bank will usually want to go off the lower... but I have been able to get...

No it's not the same. Once subdivision has been approved and lodged you will receive a deposit plan number which will also show on a title search, once this has happened you can settle on a portion of the title. You don't have ownership of the existing title and your contract is only for a...

It's not a problem to settle on a portion of the title as long as the DP (deposit plan) has been lodged with the LTO (lands titles office) and your conveyancer confirms that settlement will be completed with a pick up slips. You're not going to be able to settle before this happens.