Hello all, This is a hypothetical worst case scenario for an OTP H&L package I have decided to go forward with. Only one contract for land and building and bank has told me there would be 2 valuations. One before the the build and one after the build. If bank values my payment is too high pre-build then the contracts finance clause gives me an easy out without much to lose. If bank values my payment exactly pre-build and valuation turns up say 20k short post-build then I want to know my options. From what I have researched I have:- Take money from family/friends and make up the 20k difference Take a personal loan which I am assuming would be harder in itself. Crash the contract,lose my 10% deposit paid to the developer and maybe more based on the contract T&Cs Are there anymore options available to me as my LVR is already 95% so no flexibility with that. How often does an OTP H&L package change valuations amounts pre and post builds assuming the developer has executed the work exactly according to plan. Also the house is due to completion in around August so I am hoping 3 months is short for the market to change. I am a FHB with very little to no buffer which I know is a risk but I want to get in the Brisbane market before it moves/lending gets tighter/also need a PPOR Thanks.