Links Property Finance · Free calculator from a Sydney mortgage broker: Property Buying Cost Calculator NSW

For a standard NSW purchase, allow for transfer duty where it applies, legals and conveyancing, inspections, lender fees and moving.

Where duty is exempt the total is modest; where full duty applies it can be tens of thousands. Running your actual price through the calculator is faster than any rule of thumb.

Building and pest inspections on properties they end up not buying, strata report fees, adjustment of council and water rates at settlement, and the first month of living costs in a new home. None are large individually and together they add up to real money.

Either can act on a standard residential purchase in NSW. A solicitor is generally the better choice where anything is unusual, such as a company title property, an estate sale, or a contract with terms you want negotiated. Cost difference is usually modest relative to the transaction.

Partly. First home buyer duty relief does not apply, and land tax and different lender fees may; legals, inspections and registration work the same way.

Generally not directly, because lenders lend against the property rather than against your costs. Buyers with existing equity sometimes fund them through borrowing. For a first purchase, plan on paying them from your own funds, which is precisely why knowing the total early matters.