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I have bought at auction. Because of the type of auction, the contract was unconditional but I could specify the number of days for finance and the number of days for settlement. i.e. 30/60 I obtained pre-approval up to a limit and negotiated with the agent to transfer the funds for the...

Except for a conditional auction. A group in Perth is doing auctions where the contract can be subject to finance. However, at one they specified that if finance fell through then the vendor would keep the deposit.