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Thanks for clearing that up. I had read through these boards and was seeing a lot of references to written offers, so I thought I must have just been doing it wrong in the past. But yeah, I've bought once and attempted two sales in NSW and have not come across anything written.

Thanks for the replies. So in this situation, would it be prudent to include a "subject to finance" clause or just a "subject to bank's valuation" clause in the written offer?

I've been closely watching an within 10kms of Sydney for a good 3 years and am planning to buy a property here at 65-70% LVR. I have pre-approval and will be getting final approval prior to making any offers but am yet to find the right property. I do not expect issues with borrowing capacity...