We've had the absolute worst time with St George Bank - after receiving our mortgage documents a month ago, it has taken daily phone calls, a formal complaint and still more following up and we finally received the Authority to Commence letter last Friday.
Wisdom's offices have closed for the year, so this will not be actioned until 2014 now.
Our tender cutoff date is 31st January, so we need to begin construction before then otherwise we are going to be affected by any price adjustments! If that happens, I will definitely be giving the bank a call because it's taken a whole MONTH to fix all the mistakes they have made to our documents, and hence have pushed us backwards an entire month. It's unbelievable.
Anyway - hopefully that's all the paperwork done, so 2014 should be all about the build.