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I've been to a few settlements and the ones I have seen are the old style certificates. I am not sure what they are doing, maybe they are slowly being replaced. I did receive an old copy of the deeds for one of my properties once - it was like a historical document! And, the conveyancer would...

Bank would normally keep the certificate of title - if none then the conveyancer should have it. You would probably be getting a invoice in the mail outlining costs and disbursements too.

What has your lawyer said? You would be crazy to be handing over money before settlement. Please tell me you are using a lawyer because imagine if you handed over the funds at settlment only to find you don't have title or there is some sort of defect that means you cannot register the transfer...