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You would need to show reasonable attempt in obtaining finance, not just changed your mind and let the REA know didn't get finance.

This, same as what I was eluding to. Your offer has no fees involved to withdraw. But to use your cooling off (withdraw) on a contract it would be 0.25%.

You can withdraw your offer at anytime and without reason. If you get really technical (in VIC anyway) you can withdraw your offer even if the vendor has signed it but as long as you haven't received a copy of the COS. E.g. the vendor signs at 6:30pm and you don't receive your copy until...

If you cancel your offer there is no charge. However If the offer has been accepted (now contract) and you wish to cancel there will be a cooling off fee or you would lose the deposit depending on how far in you were. The 0.25% deposit is part of the initial deposit the REA is going to...