Local Knowledge PropertyIntegrated Property Financial Advisory
Buying Advisory

Get the Decision Right. Before You Sign Anything.

A buyer's agent secures a property. We answer the question that should come first: is this the right asset, at the right price, in the right structure, at the right time?

Borrowing Capacity ModellingStructure & Concession AdvisoryOutcome-Neutral Advice

The True Cost of Buying a Property in NSW

The purchase price is the headline number. These are the costs that actually determine what you need.

Example: $950,000 Purchase (First Home Buyer, Owner-Occupied)

Stamp Duty (with FHB concession)(vs $37,990 without)$11,455
Legal / Conveyancing Fees$2,000–$3,000
Building & Pest Inspection$600–$1,200
Strata Report (if applicable)$250–$350
Loan Application / Valuation$0–$600
Lenders Mortgage Insurance (if <20% deposit)$8,000–$25,000

What Our Buying Advisory Covers

Borrowing Capacity

What you can comfortably service — not just what a lender will approve.

Stamp Duty & Concessions

FHB grants, exemptions, and thresholds — mapped to your specific situation.

Purchase Structure

Individual, joint, trust, or SMSF? The entity you buy in shapes CGT, protection, and future options.

Outcome-Neutral Advice

If the right answer is "don't buy this one" or "not yet," we'll say so. We have no commission to protect.

Loan Structuring

Fixed, variable, offset, split — structured for tax and flexibility, not just rate.

Portfolio Integration

How this purchase fits your broader property and financial position, not as an isolated transaction.

Get the Full Picture Before You Start Looking

Book a Property Financial Review. We'll model capacity, structure, and concessions — so you know exactly where you stand.