In the process of buying house and land in Adelaide. We have signed two separate contracts subject to finance one for land and one wit the home builder. Was wandering if anyone has experience getting unconditional approval for both transactions BEFORE settling on the land. We don't want to settle the land and then be in a position where for some reason in three months we go for the house construction loan and it isn't approved. The bank tell us they want a full schedule of what needs to be paid when (importantly how much and at what stages). At the moment the contract includes a schedule that has percentages of the price only and the builder says they won't settle the amount until selectiolns and footings are designed (although allowances have been made for each).