But do you know what it actually costs to buy it?
The purchase price is just the beginning. Stamp duty, legal fees, inspections, insurance, LMI — these hidden costs can add $30,000–$80,000+ to your purchase. Most buyers are shocked when they see the real number.
Enter your property details below and get a full breakdown of every cost — stamp duty, legal fees, inspections, insurance, and more.
Surprised by the total? Most buyers are. But here's the good news — our brokers help you plan for every cent, find the right loan structure, and sometimes even reduce these costs.
Imagine buying your next home with a team that handles the finance so you can focus on the exciting parts.
Imagine knowing your mortgage rate is the most competitive available — not just whatever your bank offered first.
What if someone prepared your entire application, chased documents, and dealt with the lender so you didn't have to?
Some lenders waive application fees, offer cashback, or have lower ongoing costs. But you'd never know without comparing 30+ options.
Walk into inspections with confidence. Know exactly how much you can borrow before you start bidding.
A broker works for you, not the bank. Every recommendation is based on what's best for your situation.
Buying a home should be exciting, not terrifying. With the right guidance, it can be.
These are the most common worries we hear from buyers. Sound familiar?
That's exactly why brokers exist. We guide you from the very first conversation to settlement day — and beyond. Start with one simple form or phone call.
We handle the complexity so you don't have toYour bank can only offer their own products. A broker compares 30+ lenders to find the best fit. Banks also assess at their own rates — a broker finds who offers the most competitive deal for YOUR situation.
Over 70% of Australians now use a brokerNo. Our service is free to you. The lender pays us a commission when your loan settles — similar to how a real estate agent is paid by the seller. You receive professional guidance at zero direct cost.
You pay nothing for our serviceBorrowing capacity varies significantly between lenders. Where one says no, another may say yes. We know which lenders are more generous for different income types, and we structure your application to maximise your capacity.
Different lenders = different borrowing powerWe assess your situation before submitting any application. We only apply where we're confident of approval — protecting your credit score and saving you time.
We pre-qualify you first, then apply strategicallySydney prices are high, but that makes choosing the right loan even more critical. A 0.5% rate difference on an $800K loan saves you $267/month — that's $3,200/year. The right loan structure can make an expensive market more affordable.
The right loan makes a bigger difference than you thinkNot all home loans are created equal. Here's what we compare to find the best one for you.
Interest rates vary by up to 1.5% between lenders for the same borrower profile. On a $700K loan, that's the difference between $4,300 and $5,100 per month. We find the lenders offering the sharpest rates for your situation.
An offset account can save you tens of thousands in interest over the life of your loan. But not all offset accounts are equal — some charge higher rates or fees. We compare the total cost, not just the headline rate.
Variable, fixed, or split? Weekly, fortnightly, or monthly? Extra repayments allowed or penalised? These features matter. We match your loan structure to your lifestyle and financial goals.
Lenders Mortgage Insurance can cost $5,000–$30,000+. Some lenders waive LMI for specific professions or higher deposits. We know exactly which lenders offer waivers and help you structure your purchase to minimise or eliminate this cost.
Beyond the purchase price, here's what you need to budget for.
| Cost Item | $600K Property | $800K Property | $1M Property | $1.2M Property |
|---|---|---|---|---|
| Stamp Duty (NSW) | ~$22,490 | ~$31,490 | ~$40,490 | ~$51,490 |
| Legal/Conveyancing | $1,500–$2,500 | $1,500–$2,500 | $2,000–$3,000 | $2,000–$3,000 |
| Building & Pest Inspection | $500–$800 | $500–$800 | $600–$1,000 | $600–$1,000 |
| Loan Application Fee | $0–$600 | $0–$600 | $0–$600 | $0–$600 |
| LMI (if <20% deposit) | $8,000–$15,000 | $12,000–$22,000 | $15,000–$30,000 | $20,000–$40,000 |
| Insurance (building+contents) | $1,200–$2,000/yr | $1,500–$2,500/yr | $1,800–$3,000/yr | $2,000–$3,500/yr |
| Strata/Title Search | $100–$300 | $100–$300 | $100–$300 | $100–$300 |
| Moving Costs | $500–$2,000 | $500–$2,000 | $500–$2,000 | $500–$2,000 |
| Total (with 20% deposit) | $26,000–$30,000 | $36,000–$40,000 | $45,000–$50,000 | $57,000–$63,000 |
| Total (with 10% deposit) | $34,000–$45,000 | $48,000–$62,000 | $60,000–$80,000 | $77,000–$103,000 |
Figures are estimates based on NSW stamp duty rates as of March 2026. Actual costs vary based on property type, location, lender, and your specific circumstances. Our brokers provide a detailed cost breakdown tailored to your situation.
The smartest move is knowing your options BEFORE you find the property. Conditional approval gives you buying confidence — and costs you absolutely nothing.
From first conversation to getting the keys — here's how we make it simple.
Fill in the form below or book a call. Share your budget range, deposit size, and what you're looking for. This takes less than 2 minutes. Our broker will contact you — typically within 24 hours.
We search across 30+ lenders to find the most suitable loans for your situation. We compare interest rates, fees, features, and total cost — then present you with a clear shortlist. If you want to proceed, we help you get conditional approval so you can house hunt with confidence.
With conditional approval in hand, you know exactly what you can afford. When you find the right property, we handle the formal application, liaise with the lender, and coordinate settlement. You focus on choosing your new home — we handle the finance.
Fill in your details and one of our brokers will review your situation — typically within 24 hours. No obligation, no pressure.
One of our brokers will review your situation and be in touch within 24 hours. In the meantime, use the calculator above to explore our home loan calculator.
Schedule a free, no-obligation chat with one of our brokers.
Expert answers to the questions we hear most from property buyers.
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