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Yes, what happens if you do the valuation and it comes in at $x and then you get carried away and pay $x+ $50k at the auction? The bank's valuer is unlikely to want to increase the valuation.

You just need to enter into the contract without any conditions - hence 'unconditional'. However, this is very dangerous without finance approval. You should contact the CBA and supply them with a copy of the front page of the contract and ask for full approval. They will then do the...