"security is still under Assignment whereby Strata Title has yet to be issued and Bank charge has yet to be created" = the step where the title is under your name AND the bank is assigned to have certain legal rights over your property until loan is settled is not complete.

Sounds like your property is a development under master title, developer has not issued the strata title for your individual unit.

So bank cannot cincai change ownership, because the title under you+your GF's name doesn't exist yet.

Need to wait until that step is complete before they can allow ownership changes.