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Buying Property in Australia – What are the Costs?
Hello, this is Andrew with Australian Expat Loans. Welcome to this video on buying property
in Australia, and what are the costs for Aussie expats and foreign visitors.
I’m going to share with you how much deposit you need in buying Australian property, but
also what are the costs involved with buying property in Australia.
How much deposit do you need? Let me give an example of a property purchase price of
$500,000. As a foreign investor you’ll need a minimum deposit of 20% of the purchase price,
so in this example you’d need $100,000 just for the deposit. The other 80% you can finance.
Aussie expats are a little bit different. The lenders here will probably go as little
as 5%, more commonly 10% of the purchase price, but again in this example $25,000 will be
the minimum requirement.
The total cost, in terms of the costs that you will need to cover, let’s have a look
at those.
Lender fee, I’ve just put a figure of $600. With lenders it can vary from $0 to thousands
of dollars, but typically $600 will cover their fee.
If you’re buying in New South Wales – and obviously we have a number of states
in Australia, but I’ll just use New South Wales here, and it won’t differ that much
– it’s approximately $18,000 on a $500,000 purchase.
Mortgage registration fee and transfer fees are government fees which also need to be
included.
Foreign investors won’t have to pay a lenders mortgage insurance fee, but if you’re an
Aussie expat, just to give you an example, if you’re buying with a 5% deposit on a
$500,000 purchase price, you will probably need to pay a one-off insurance fee to the
lender of around $14,000, but that cost can be included in the loan.
Solicitor or conveyancing fees to complete the transaction for you, you’re probably
looking at around $1,500.
Again, depending on which lender you use, there may be additional valuation and further
legal fees.
To give you a total cost:
If you’re a foreign investor with a 20% deposit, you’re probably looking at around
$120,000, which is around 24% of the purchase price.
Or if you’re an Aussie expat, around $45,000, remembering it’s only a 5% deposit in this
example, which represents around 9%.
The interesting number here is that in both examples, above the deposit you probably need
around 4%, so let’s round up to 5% of the purchase price.
What that means, for you to make some very simple calculations, if you’re a foreign
investor or an Aussie expat, no matter what your deposit is, add another 5% of the purchase
price.
To give you another example, let’s say you’re looking at a $600,000 purchase purchase and
you’ve got $150,000 available as a foreign investor. Take away around 5% of the purchase
price, which will cover your closing costs, so in this example that’s around $30,000.
Just don’t forget, the higher you go in terms of purchase price, the higher the stamp
duty, so 5% would cover it. That would leave you, in this example, around $120,000 for
a deposit, which is a 20% deposit, and in this example that would work.
Just remember, it’s easy. Just add 5% of the purchase price plus your deposit, and
if that works out to be sufficient funds you can proceed.
The next step from here – you can do it yourself. There’s plenty of information
on the internet to research in terms of home loans, investment loans, conveyance and so
on, but if you’d like some assistance, feel free to give us a call.
You can call us on +61 2 9965 7292 or contact us online, which is very easy to do. Simply
go to www.australianexpatloans.com.au
Also, if you want some further free information you can download a free report on our website,
which is a guide to buying Australian property, which will answer many of your questions.
I look forward to hearing from you. Thank you, and bye for now.
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Buying property in Australia? What are the costs

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ben 2016 年 6 月 3 日 に公開

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