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aha.. re-read your post. thanks for explaining that.. Wouldn't it be nice if the same method was used nation wide. The Qld method of course :p

Propertunity, are you saying the 0.25% is forfeited even if the contract is cancelled from using either the finance or b+p clause?

Sorry I'm a bit late in posting this, but.. Was your contract subject to finance? I'm not sure of the exact wording in the NSW contract's terms & conditions.. but doesn't it state in the finance clause that finance should be satisfactory to the buyer?? So when the lender forces you to front...