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As long as you notify with 21 days and don't get strung along by the bank making up its mind if it wants to do the deal or not. CBA have a habit of doing vals after mortgage docs are signed and this presents a huge problem ! So don't go to them either.

As long as all approved the bank should issue approval subject to title. I've just done a duplex with BankSA and they wouldn't value until titles were lodged. Otherwise they would just value on the original security at last sale divided by 2.However they certainly approved subject to issued...