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Yeah, I'm at the very very very very last step of the process. Everything approved, fees all paid, shiny survey pegs in all the corners (or close enough since the boundaries were all 20cm off and my house is actually on next door's block), SA water lurking in the bushes to install a meter when...

So they will actually finance pre-subdivision, just at lower LVR? We had a minor argument with the bank the other day about signing the permission slip to subdivide - they want all this extra Stuff and it all has to be original, which is irritating as it all has to go via post now not email...