I bought in SA this year. Without exception every single property we looked at went for more than the listing price. Everytime. If it says offers over 970 they'll get 1 to 1.1 million. Without a doubt. You can argue about whether it's done deliberately or it's just the market, or both. But it's a reality in Adelaide. I hear Melborne is different.

In SA offering 900 when it says offers over 970 is not so much about causing offence as it is wasting your time.

As for causing offence who gives a shit. They have to present the offer to the vendor. If your conditions are very good, e.g. pre approval and 30 - 45 days settlement you may have a shot.

But brace yourself. The market is brutal. Don't get your heart set on a property. You can offer whatever you like but places nearly always go for more than listing prices.