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I don't think it is a good idea as it would be pretty risky. If you had the ability to put in more deposit if needed then the risk would drop

in NSW the standard is 5 days cooling off with loss of 0.25% if the buyer pulls out.

It is rare for a purchase valuation to come in at less than purchase price where a contract is involved.. I can't recall a valuation ever coming in lower for my clients. You would have to be really paying over market for that to occur. Refinancing valuations are different and often come in...

There is if you insert one!

very hard to get LMI capitalised into the loan now. CBA go up to 97%. ANZ capitalise, but you need to be an existing customer.