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Seems like by saving $2k in not applying for subdivision until slab, this is going to get in the way of financing the deal. Pretty cheap land at $80k!

even if the valuer valued it higher than the build price, in all likelihood the bank would only use the cost price. Its the same with 'undermarket' purchases, the bank will use either the valuation of contract price whichever is lower. Did you realise once the subdivision is through the...