Hsingal, you should be able to get full approval on the land - even if titles are not available now. This way you know whether your land loan will be…

Hi hsingal,
'Subject to finance' may not last till July 2015.
I agree with Bec and think it is better to get full approval on land and a pre-approval for the max…

Hi First_sale,
Both Bec and jb_money are right.
If you want to pay off your home loan, you have to pay extra money into your loan. The choice depends on your strategy…