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The decision also depends on what remains after settlement. List the emergency fund, moving costs, first mortgage payment, insurance excess and likely immediate repairs. If an unpleasant inspection result would consume all of that, you cannot really afford to waive the inspection—even if you can...

Does the A$56,240 figure include every settlement adjustment, loan-related charge you’ve been given, and the first mortgage payment? The timing matters too: a comfortable total can become tight if several debits land before your next salary.