• Removal – moving furniture and goods
• Power – disconnection and reconnection fees – and if a new customer often a bond
• Phone - disconnection and reconnection fees – and one month in advance is typical
• Post – telling everyone where you now are – this has reduced with the power of social networking though!
• Ongoing Costs – after you have moved in Insurance – house and contents
• Rates – (both local body and environment and set by councils with whom you have little negotiation or control over)
• Utilities – water, power, communication

So our biggest tip – let us negotiate up front with the lender on your behalf saving you money which you then have for other costs that you know will occur.

Actually no one, we just wanted you to read this section! For those of you that have bought and sold you’ll understand this section, on the REAL costs of moving.

These costs are often overlooked and can cause the most stress, and for new home buyers this is when the subsidy mentioned earlier – counts, and can make the biggest difference to your first property purchase!

When you buy a house or property, it’s not simply the cost of the actual property that you need to account for:

• Registered valuation report - required for over 80% borrowing $450-500 (approx.)
• LIM report $170-200 (approx)
• Lawyer range from $800-1,250 (approx)
• Builders report - required in many cases : $300-800 (approx)
• Potential Total Additional costs $2,750