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Fair enough regarding lack of clarity about my circumstances and ME chickening out at the last moment. Nevertheless, ME Bank advertises for providing owner builder loans, whereas clearly their own policy prohibits it till lock up stage and they have no intention of funding till lock up stage...

ME bank: incompetence galore Extremely frustrating experience with ME bank with respect to owner builder loans: I was lead to believe that ME bank does Owner builder loan. Loan was provisionally approved and a (bank appointed) valuation completed over a period of 2 months, till I get a...