[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/truthgroup.com.au\/2026\/03\/30\/what-costs-do-you-need-to-budget-for-when-buying-a-home-in-2026\/#BlogPosting","mainEntityOfPage":"https:\/\/truthgroup.com.au\/2026\/03\/30\/what-costs-do-you-need-to-budget-for-when-buying-a-home-in-2026\/","headline":"What Costs Do You Need to Budget for When Buying a Home in 2026?","name":"What Costs Do You Need to Budget for When Buying a Home in 2026?","description":"What Costs Do You Need When Buying a Home in Australia? (2026 Guide) Watch this video on YouTube. If you\u2019re planning to buy a home, here\u2019s something most people underestimate: It\u2019s not just the purchase price you need to budget for. I\u2019ve seen buyers find the right property, only to realise too late they didn\u2019t \u2026 <a class=\"read-more\" href=\"https:\/\/truthgroup.com.au\/2026\/03\/30\/what-costs-do-you-need-to-budget-for-when-buying-a-home-in-2026\/\" aria-label=\"Read more about What Costs Do You Need to Budget for When Buying a Home in 2026?\">Read: What Costs Do You Need to Budget for When Buying a Home in 2026?<\/a>","datePublished":"2026-03-30","dateModified":"2026-03-30","author":{"@type":"Person","@id":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/#Person","name":"Nicholas Parpis","url":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/","identifier":216551164,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Truth Group Pty Ltd","logo":{"@type":"ImageObject","@id":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/02\/TRUTH-GROUP-2.png","url":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/02\/TRUTH-GROUP-2.png","width":512,"height":200}},"image":{"@type":"ImageObject","@id":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/03\/generate-a-highly-detailed-high-resolution-image-featuring-a-young-couple.png","url":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/03\/generate-a-highly-detailed-high-resolution-image-featuring-a-young-couple.png","height":768,"width":1024},"url":"https:\/\/truthgroup.com.au\/2026\/03\/30\/what-costs-do-you-need-to-budget-for-when-buying-a-home-in-2026\/","video":{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=VBodMgaDrC8#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=VBodMgaDrC8","name":"What Costs Do You Need When Buying a Home in Australia? (2026 Guide)","description":"Most buyers focus only on the purchase price\u2026\nBut the reality is \u2014 there are several upfront costs that can impact your ability to buy.\n\nIn this video, I break down the real costs involved in buying a property in Australia so you can budget properly and avoid surprises.\n\nWhat You\u2019ll Learn:\n\nStamp duty and how it impacts your budget\nLegal and conveyancing fees\nBuilding & pest inspection costs\nLenders Mortgage Insurance (LMI)\nOther loan and settlement-related costs\nWhy planning your full budget is critical in 2026\n\nKey Insight:\nBuying a property isn\u2019t just about your deposit \u2014 it\u2019s about understanding your full financial position before making an offer.\n\nMany buyers miss these costs and end up delaying or missing out on properties.\n\nWant a Full Cost Breakdown for Your Situation?\nAt Truth Group Pty Ltd, I help buyers:\n\u2714 Understand all costs upfront\n\u2714 Structure their finance correctly\n\u2714 Plan their purchase strategy\n\u2714 Avoid costly mistakes before applying\n\nVisit: https:\/\/truthgroup.com.au\/\n\nOr message me \u201cCOSTS\u201d and I\u2019ll walk you through your numbers.\n\nAbout Truth Group Pty Ltd\nMortgage Broker & Buyer\u2019s Agent based in Sydney helping clients with:\n\nHome loans\nProperty investment\nBorrowing power analysis\nProperty acquisition strategy\n\nSubscribe for More:\nWeekly insights on:\n\nBorrowing power\nHome loans\nProperty investing\nBuying strategies in Australia\n\n#homebuyingaustralia #stampduty  #firsthomebuyer  #mortgagebroker  #homeloanaustralia  #propertyaustralia  #financefirst  #buyersagentsydney  #realestateaustralia  #homebuyingtips  #lmi #propertycosts #sydneyproperty","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/VBodMgaDrC8\/default.jpg","https:\/\/i.ytimg.com\/vi\/VBodMgaDrC8\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/VBodMgaDrC8\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/VBodMgaDrC8\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/VBodMgaDrC8\/maxresdefault.jpg"],"uploadDate":"2026-03-30T09:29:23+00:00","duration":"PT43S","embedUrl":"https:\/\/www.youtube.com\/embed\/VBodMgaDrC8","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCl_CSrwS5ltS8cuq5VYEvxg#Organization","url":"https:\/\/www.youtube.com\/channel\/UCl_CSrwS5ltS8cuq5VYEvxg","name":"Truth Group Pty Ltd","description":"Truth Group is a Sydney Buyers Agent and Mortgage Broker helping home buyers, first home buyers and property investors make smarter property decisions.\n\nI\u2019m Niko, a licensed Buyers Agent based in Sydney, helping clients find the right property, negotiate confidently and structure their finance correctly.\n\nOn this channel you\u2019ll discover:\n\n\ud83c\udfe1 Sydney Buyers Agent advice\n\u2022 What properties are really worth\n\u2022 Sydney suburb comparisons\n\u2022 Auction and negotiation strategies\n\u2022 First home buyer tips\n\u2022 Property buying mistakes to avoid\n\n\ud83d\udcb0 Mortgage & Finance Guidance\n\u2022 Home loans and refinancing\n\u2022 Borrowing power strategies\n\u2022 Preparing to buy property\n\u2022 Understanding lender requirements\n\nWe help clients with:\n\u2705 Established homes\n\u2705 House & land packages\n\u2705 Investment properties\n\u2705 Residential & commercial property\n\u2705 Home loan solutions\n\nServing Sydney and Australia-wide.\n\n\ud83d\udccd Hoxton Park, Sydney\n\ud83c\udf10 truthgroup.com.au\n\nSubscribe for weekly Sydney property insights, buyer strategies and finance tips.\n","logo":{"url":"https:\/\/yt3.ggpht.com\/6cfbKmHc32AQQ7Jvy8Uk8-gTgkKgXKQ-ntmPlJQwqFyRcDmR-1UVKvPvSqhmucy6vnM6a5UNSz4=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=VBodMgaDrC8#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=VBodMgaDrC8#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=VBodMgaDrC8&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"},"interactionStatistic":[[{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=VBodMgaDrC8#VideoObject_interactionStatistic_WatchAction","interactionType":{"@type":"WatchAction"},"userInteractionCount":1}],{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=VBodMgaDrC8#VideoObject_interactionStatistic_LikeAction","interactionType":{"@type":"LikeAction"},"userInteractionCount":1}]},"about":["Latest Post"],"wordCount":413,"articleBody":"What Costs Do You Need When Buying a Home in Australia? (2026 Guide) Watch this video on YouTube..wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_3, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_3[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_3\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_3[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_3\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_3[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}If you\u2019re planning to buy a home, here\u2019s something most people underestimate:.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_4, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_4[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_4\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_4[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_4[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}It\u2019s not just the purchase price you need to budget for..wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_5, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_5[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_5\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_5[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_5[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}I\u2019ve seen buyers find the right property, only to realise too late they didn\u2019t account for the full costs involved..wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_6, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_6[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_6\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_6[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_6\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_6[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_6\"] img.kb-inline-image{width:150px;vertical-align:baseline;}That can lead to stress, delays \u2014 or even missing out on the deal..wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_7, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_7[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_7\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_7[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_7\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_7[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Let\u2019s break down what you actually need to budget for..wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_8, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_8[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_8\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_8[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_8[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}1. Stamp Duty (The Biggest Cost).wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_9, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_9[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_9\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_9[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_9[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Stamp duty is usually the largest upfront cost after your deposit.It varies by state and property valueCan range from thousands to tens of thousandsFirst home buyers may be eligible for concessions.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_10, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_10[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_10\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_10 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_10[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_10\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_10 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_10[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_10\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_11, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_11[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_11\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_11 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_11[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_11\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_11 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_11[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_11\"] img.kb-inline-image{width:150px;vertical-align:baseline;}This is one cost you must plan for early..wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_12, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_12[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_12\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_12 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_12[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_12\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_12 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_12[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_12\"] img.kb-inline-image{width:150px;vertical-align:baseline;}2. Legal &#038; Conveyancing Fees.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_13, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_13[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_13\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_13 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_13[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_13\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_13 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_13[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_13\"] img.kb-inline-image{width:150px;vertical-align:baseline;}You\u2019ll need a solicitor or conveyancer to handle the legal side of the purchase..wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_14, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_14[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_14\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_14 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_14[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_14\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_14 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_14[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_14\"] img.kb-inline-image{width:150px;vertical-align:baseline;}This includes:Contract reviewSettlement processLegal checks.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_15, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_15[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_15\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_15 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_15[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_15\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_15 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_15[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_15\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_16, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_16[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_16\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_16 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_16[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_16\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_16 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_16[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_16\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Typical cost: $1,500 \u2013 $3,000 (approx.).wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_17, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_17[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_17\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_17 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_17[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_17\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_17 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_17[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_17\"] img.kb-inline-image{width:150px;vertical-align:baseline;}3. Building &#038; Pest Inspections.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_18, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_18[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_18\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_18 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_18[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_18\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_18 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_18[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_18\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Before committing to a property, inspections are critical..wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_19, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_19[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_19\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_19 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_19[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_19\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_19 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_19[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_19\"] img.kb-inline-image{width:150px;vertical-align:baseline;}These checks can identify:Structural issuesPest damageHidden problems.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_20, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_20[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_20\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_20 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_20[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_20\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_20 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_20[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_20\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_21, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_21[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_21\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_21 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_21[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_21\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_21 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_21[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_21\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Skipping this step can cost you far more later..wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_22, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_22[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_22\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_22 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_22[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_22\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_22 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_22[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_22\"] img.kb-inline-image{width:150px;vertical-align:baseline;}4. Lenders Mortgage Insurance (LMI).wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_23, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_23[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_23\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_23 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_23[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_23\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_23 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_23[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_23\"] img.kb-inline-image{width:150px;vertical-align:baseline;}If your deposit is less than 20%, you may need to pay LMI.This protects the lender (not you)Can be added to your loanCost depends on loan size and deposit.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_24, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_24[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_24\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_24 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_24[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_24\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_24 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_24[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_24\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_25, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_25[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_25\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_25 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_25[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_25\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_25 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_25[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_25\"] img.kb-inline-image{width:150px;vertical-align:baseline;}This can be a significant expense if not planned for..wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_26, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_26[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_26\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_26 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_26[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_26\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_26 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_26[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_26\"] img.kb-inline-image{width:150px;vertical-align:baseline;}5. Loan &#038; Settlement Costs.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_27, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_27[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_27\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_27 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_27[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_27\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_27 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_27[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_27\"] img.kb-inline-image{width:150px;vertical-align:baseline;}There may also be additional costs such as:Loan application or establishment feesSettlement feesGovernment charges.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_28, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_28[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_28\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_28 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_28[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_28\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_28 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_28[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_28\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_29, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_29[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_29\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_29 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_29[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_29\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_29 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_29[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_29\"] img.kb-inline-image{width:150px;vertical-align:baseline;}These are smaller individually, but add up..wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_30, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_30[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_30\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_30 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_30[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_30\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_30 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_30[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_30\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Why This Matters in 2026.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_31, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_31[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_31\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_31 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_31[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_31\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_31 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_31[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_31\"] img.kb-inline-image{width:150px;vertical-align:baseline;}With tighter lending conditions and higher interest rates:Borrowing capacity is more restrictedCash buffers are more importantUnexpected costs can impact your ability to settle.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_32, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_32[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_32\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_32 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_32[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_32\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_32 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_32[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_32\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_33, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_33[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_33\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_33 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_33[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_33\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_33 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_33[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_33\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Planning your full budget upfront is critical..wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_34, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_34[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_34\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_34 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_34[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_34\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_34 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_34[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_34\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Common Mistake to Avoid.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_35, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_35[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_35\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_35 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_35[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_35\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_35 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_35[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_35\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\u274c Budgeting only for the purchase price\u274c Ignoring upfront costs\u274c Not getting clarity before making an offer.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_36, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_36[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_36\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_36 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_36[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_36\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_36 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_36[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_36\"] img.kb-inline-image{width:150px;vertical-align:baseline;}This is one of the biggest reasons deals fall through..wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_37, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_37[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_37\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_37 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_37[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_37\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_37 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_37[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_37\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Final Thoughts.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_38, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_38[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_38\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_38 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_38[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_38\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_38 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_38[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_38\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Buying a property isn\u2019t just about finding the right home \u2014 it\u2019s about being financially prepared..wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_39, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_39[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_39\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_39 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_39[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_39\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_39 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_c1adf1-fc_39[data-kb-block=\"kb-adv-heading42486_c1adf1-fc_39\"] img.kb-inline-image{width:150px;vertical-align:baseline;}The more clarity you have upfront, the smoother your purchase will be..wp-block-kadence-advancedheading.kt-adv-heading42486_6d73ed-7c_0, .wp-block-kadence-advancedheading.kt-adv-heading42486_6d73ed-7c_0[data-kb-block=\"kb-adv-heading42486_6d73ed-7c_0\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_6d73ed-7c_0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_6d73ed-7c_0[data-kb-block=\"kb-adv-heading42486_6d73ed-7c_0\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_6d73ed-7c_0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_6d73ed-7c_0[data-kb-block=\"kb-adv-heading42486_6d73ed-7c_0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Want a clear breakdown of what it will cost you to buy?.wp-block-kadence-advancedheading.kt-adv-heading42486_6d73ed-7c_1, .wp-block-kadence-advancedheading.kt-adv-heading42486_6d73ed-7c_1[data-kb-block=\"kb-adv-heading42486_6d73ed-7c_1\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_6d73ed-7c_1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_6d73ed-7c_1[data-kb-block=\"kb-adv-heading42486_6d73ed-7c_1\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_6d73ed-7c_1 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_6d73ed-7c_1[data-kb-block=\"kb-adv-heading42486_6d73ed-7c_1\"] img.kb-inline-image{width:150px;vertical-align:baseline;}At Truth Group Pty Ltd, I help you:\u2714 Understand your full costs\u2714 Structure your loan properly\u2714 Plan your purchase with confidence.wp-block-kadence-advancedheading.kt-adv-heading42486_6d73ed-7c_2, .wp-block-kadence-advancedheading.kt-adv-heading42486_6d73ed-7c_2[data-kb-block=\"kb-adv-heading42486_6d73ed-7c_2\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42486_6d73ed-7c_2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42486_6d73ed-7c_2[data-kb-block=\"kb-adv-heading42486_6d73ed-7c_2\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42486_6d73ed-7c_2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42486_6d73ed-7c_2[data-kb-block=\"kb-adv-heading42486_6d73ed-7c_2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Reach out today and I\u2019ll help you plan before you make a move."},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"2026","item":"https:\/\/truthgroup.com.au\/2026\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"03","item":"https:\/\/truthgroup.com.au\/2026\/\/03\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"30","item":"https:\/\/truthgroup.com.au\/2026\/\/03\/\/30\/#breadcrumbitem"},{"@type":"ListItem","position":4,"name":"What Costs Do You Need to Budget for When Buying a Home in 2026?","item":"https:\/\/truthgroup.com.au\/2026\/03\/30\/what-costs-do-you-need-to-budget-for-when-buying-a-home-in-2026\/#breadcrumbitem"}]}]