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Seller does not have to provide anything with the contract. BUT if they don't disclose encumbrance that will remain on the title at settlement (eg no need to disclose mortgage) that is a defect at title and you can terminate up to 2 business days before settlement. We have building and pest...

But our finance clause in QLD is so broad that you would not use the Cooling off and then there is no penalty Happy to supply copy of a contract if you give me an email address via pm etc