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    First-time buyer in Sydney: how much cash buffer after closing? (1 bed)

    Make a settlement-day budget and a six-month budget. List the first mortgage payment, moving, service charges, insurance and the relevant excess, plus only essential repairs and basic furniture. Keep the emergency amount in a separate account and delay everything else. If that exercise requires...
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    Is A$62,320 enough cash to keep after closing?

    I would not delay merely because the place will not be fully furnished at once. Furniture is adjustable; a roof, plumbing issue or insurance excess is not. My caveat is that “appears maintained” carries little weight until the inspection arrives. Are any service charges or immediate works...
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