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One practical sequence: submit the offer with financing evidence, inspection and finance conditions, flexible completion, and a clear expiry. If the inspection later identifies material defects, request a specific price adjustment or repair credit supported by the findings. Don’t use an...

I’d be slightly more cautious about treating 70 days as bargaining power. It could show weak demand, but it could equally mean the seller is prepared to wait. Completed comparables matter more than the listing period or nearby asking prices. Also clarify what “clean financing” means. If you...

Yes. I’d compare the current ask with completed alternatives, not congratulate the listing for falling from an unsupported starting point. The original ask is mainly useful for understanding how the campaign evolved.

I would give the completed sale much more weight than the three listings, provided it is genuinely comparable in building, use and location. For floor area, compare prices per square metre but don’t assume the rate scales evenly to 135 m². For condition, renovation estimates are more useful than...

I’d be careful about treating 72 days and needed updates as proof that 9% is justified. The seller may simply have no urgency, and comparable asking prices don’t establish a discount. That doesn’t mean the offer is too aggressive; it means you should choose it from your own ceiling rather than...

I’d use four pots, in this order: untouchable emergency savings, costs due around moving, urgent defects from the inspection, then basic furniture. Don’t assign percentages yet; put actual quotes or estimates beside everything known. Whatever remains after those items is the real emergency fund.

I can see the case for starting with completed sales, but I would reverse that order. Without some local context, it is easy to compare figures that record different things or overlook why renovation and mixed-use features affect a result. Use the Sydney board first to identify the terminology...

Don’t let “emergency fund” mean only job loss. It should also be able to absorb the applicable insurance excess and a household failure without raiding money already committed to the mortgage. Confirm the actual excess on the policy rather than dropping a guessed amount into the spreadsheet.

The raw asking rate is about A$23,940 per m², based on A$957,600 divided by 40 m². That is useful as a screening figure, but it could be misleading here because the area is approximate and the three-bed layout is unusual. Calculate the same figure for the completed sale only after putting both...

Financing may be another dividing line in that A$1,672,000–A$2,508,000 range. A buyer can like the property but still need the numbers on recurring charges to be clear before proceeding. Condition matters too: two units with similar asking prices and days online may require very different...

My tipping point would be the exit plan. If selling in year five only works under optimistic assumptions, renting preserves flexibility. If the numbers remain tolerable with flat resale value, higher building fees and full transaction costs, buying becomes easier to justify because the equity is...

What loan amount are you actually seeking against the A$1,604,000 purchase? Without the deposit and resulting loan-to-value ratio, it is difficult to tell whether another advertised rate is genuinely available to you. Also ask whether any fee has been added to the loan, because that changes both...

I’d put the building finances ahead of micro-location, assuming the comparable is already nearby. What are the service charges, reserve position and any expected building work? Also, is this owned outright or subject to any lease length? Parking and private outdoor space could materially affect...

Make three lists when the inspection arrives: urgent defects, items that can wait, and cosmetic wants. Fund the urgent list plus moving, insurance excess and the first mortgage payment before buying nonessential furniture. If that still leaves an emergency fund you would be comfortable not...

I think you’re putting too much weight on energy performance. It may matter, but 91 days could just as easily reflect an ambitious asking price, poor condition or limited buyer financing. Compare the stale listings with recent completed sales in the same small area and property category. Asking...

I’m less convinced portability deserves much weight unless a move during those two years is genuinely likely. Even then, confirm exactly when it applies and whether a new property or changed loan-to-value could affect it. A feature that sounds flexible is not necessarily valuable in the...

I wouldn’t read too much into 12 days alone. A reduction after that period could reflect a seller becoming more motivated, not proof that every high launch failed. Buyer financing can also delay activity even where interest exists. I’d ask both agents to separate genuinely comparable completed...

One detail now seems more important than the A$1,307,000 price: how much will you borrow, and which LTV band does that put you in? Two offers can look close on monthly payments but require very different cash at completion. I’d also confirm how each lender treats its setup charge. Paying it...