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http://money.ninemsn.com.au/article.aspx?id=100636Cost of buying a house
The fees you'll have to pay
A guide through the maze of fees and additional outlays you will face When it comes to buying a home there's more to it than just a deposit. To avoid any last-minute surprises, we've listed the most common fees and charges that you should budget for. This is a general guide only, as costs differ from state to state. Some even depend on the amount you're borrowing and the price of the property.
Lenders fees Approximate cost
Application fee
Application fee generally includes settlement and search fees. $600
Valuation fee
Major lenders normally include this cost in their application fee. $0-250
Monthly service fee $10
Mortgage insurance
$1500–$3000 The amount depends on the purchase price and the amount you borrow. It protects the lender only and is normally charged if you borrow more than 80 percent of the purchase price. $1500-$3000
Government fees Average cost
Stamp duty on mortgage loan
This is calculated on the loan amount. In this case, we've assumed a $180,000 loan in NSW. Rates differ depending on which state you live in. Not applicable to Vic, NT and ACT.
Use this stamp duty calculator to get the exact amount. $661
Stamp Duty on property purchase
This is calculated on the purchase price. In this case we've assumed a market price of $200,000 in NSW. Duty differs in some states. Concessions to first-home buyers applicable in most states. (See below.) $5490 (owner-occupied)
Land transfer registration
Sliding scale which depends on the price of the property. In this case, it's calculated on $180,000 in NSW. $77.25
Mortgage registration
Fee is normally collected by lender. $77.25
Other(1) Approximate cost
Solicitor and conveyancing fees $500-$2,000
Search and inquiry fees $200-$400
Agency and sundries
Includes settlement fee and disbursements fees. $100-$150
Building report $250-$450
Pest report $150-$300
Home building insurance $200-$500
(1.Deregulated costs. Subject to variation)