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I can either assume the higher building costs are the new normal or dismiss some of the rise as temporary, and neither approach feels safe. This is a Sydney apartment whose price remains workable, but the latest master insurance charge and reserve contributions have made the monthly ownership...

For anyone booking a viewing, I suggest using the questions above as a practical list: compare the layout with the stated 120 m², inspect the worn areas mentioned by Rosa, identify included items, and see any parking arrangement in person. I would also ask for the available energy-performance...

Also compare the agreed price with relevant completed sales before choosing. If there is already a possible appraisal gap, a credit could complicate the financing discussion, while a reduction may help the valuation position more than your repair budget. For the contract side, have your...

The street boundary point deserves emphasis. For retail property, two nearby units can face quite different immediate surroundings, so broad suburb comparisons may create false bargains. I’d only use completed sales as close comparables after checking that the location, condition and basic...

Also stress the property value downward before assuming refinancing is available. If the loan-to-value ratio worsens because the flat is valued below the contract price, the attractive future loan you are counting on may not be offered on the terms you expect. What deposit are you using, and how...

I’d compare three scenarios over the same holding period: buy now with no rate improvement, buy now and refinance later, or wait and pay a higher purchase price at a lower rate. Include arrangement fees and any refinancing costs rather than comparing headline rates alone. The key test is...

The scenario comparison makes sense, but it still depends on what you realistically expect to do before or at the two-year mark. A table based only on keeping the mortgage could favour a cheap but restrictive loan when an early sale would produce the opposite result. Use the same borrowing...

I wouldn’t choose solely on the two-year cash total. If there’s a realistic chance of selling, refinancing or making larger repayments before the fixed period ends, restrictive early-repayment terms could erase a small monthly saving. I’d also model the payment at the reset point rather than...

Also, what exactly is the property tax problem: unpaid amounts attached to the studio, an incorrect assessment, or concern about future liability? An inspection condition may focus on the physical property rather than tax or title matters. That distinction is worth putting to your Sydney...

A weekend works better for me. Would remote access be possible for anyone who cannot get into central Sydney? Even a simple listen-only option could be useful, although I understand that may not suit an informal venue.

Those provisions can do different jobs. “As-is” may tell the seller you will not renegotiate every defect, while a valid contingency may still provide a way to withdraw. It does not necessarily compel the seller to answer every question or grant a credit, though. The exact contract wording and...

If contractor control matters, I would prefer a credit over seller-managed repairs—but only after the lender confirms how it must be documented. A price reduction may sound cleaner, yet it does not necessarily leave you with A$9,120 available to do the work after settlement. Are the estimates...

The surprising part was the size of the advertised difference. The studio brings in about A$4,292, while similar Sydney listings are near A$5,098, although I realise asking prices do not show what tenants ultimately agree to pay. Because the tenant is dependable and takes care of the place...