*     Legals;   Remember, you can always negotiate these fees

*     Stamp Duty or Transfer Tax;   This is unavoidable.  However, there is a threshold as to when 
                        a fee kicks in.  Remember, there is a great contribution from the govt. for all 1st Home
                        Buyers and at the time of writing that is $7,000

*     Valuation Fees;   Most financiers will want a property appraisal.  Its a good idea to deliver one
                        to them and thereby save time

*     Loan Application Fees;   Try to get these waived, but first make sure there are no early pull
                        out fees

*     Mortgage Insurance;   This is only usually payable if you need a mortgage that exceeds
                        80% of the value of the property

*     Building Insurance;   You are legally responsible for any property you are purchasing from
                         5pm on the day of signing

*     Contents Insurance;   Always a good idea to include this in your Building Policy

*     Agents Fees;   There are none when buying a property.  However, when selling you will
                          have to pay these.   However, these are alway negotiable

*     Marketing Fees;   Some agents will provide these free of all charges.

*     Holding Costs;   These items include interest charges, mowing and cleaning