Sorry to ask if this topic has been done to death but I was unable to find the right information.
As our build nears the end we have accumulated a number of refunds (credits) I know we have the option as just taking it as a credit but the builder said there was a possibility of receiving the credits as a cheque at the end of the build. This would be a great help with landscaping but I am not sure how it is done. Obviously we will have to draw down the full amount from the bank to receive the credit but I am a little unsure how it all works.