Maybe not... we are building with Coral and they provide a fixed price tender (including rock excavation etc) and we have been advised by our mortgage broker that our lender (CBA) will accept a fixed price tender to get finance approval - they don't actually need the contract at the point. I think we need to submit the contract once we receive it, but they will process payments prior to then.
I double checked that with the broker a couple of times, so I hope he has it right!
Nic.