Have built a few houses in the past with no funding dramas however have been confronted with a interesting dilemma with CBA on the latest one. We have pre-approval from CBA for x amount for construction on land we own outright, we're borrowing about 40% of the total package. However, CBA are asking for council approved plans. Our project home builder is also being pushy for us to sign contracts before we go to council. I'm resisting signing those, although we have paid a deposit to get everything done up to that. So we have a chicken and egg stalemate. The CBA guy tells me 'everyone signs a contract before funding approval' My argument is I wouldn't commit to anything in business, prior to funding approval why would I do it personally. So, am I a conservative dinosaur in todays marketplace?