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I shouldn't comment anymore on banks. To hand over your title as you have crossed all securities they may re-value the other properties before handing over the title to you. To sign what you are after if you dont get any joy soon, go into your local branch. Ask them what the hold up is.

I never recommend crossing anything. There are always issues later ( divorce, buying more property etc), Often its better to restructure now than later. The CBA often approve land loans and not construction at the same time. If you already own the land its not a problem, but if you had to...

The irony is we need a loan for $100k and in moving, our income will increase by $11k (renting our old house out) and methinks a $100k loan + expenses on a new property costs less than that each year. I still have time to get finance in, they haven't come out to do the soil tests yet so we don't...