Tools
Upfront Costs Calculator
The costs around the purchase that catch people out.
Free to use, no account needed. All calculators
Your details
Your result
Set aside, all up
On top of your deposit
$8,195
Building inspection
From ~$500 for a standard three-bed; more for two-storey or moisture testing
$750
LIM report
Auckland Council, 10 working days standard
$400
Solicitor / conveyancing
Get a real quote — no official published range
$2,200
Registered valuation
Only if your lender asks for one
$1,000
House insurance (first year)
Must be in place from the day you go unconditional
$1,600
Moving costs
Truck, or a hire van and pizza
$900
First rates instalment
Apportioned at settlement
$600
Contingency (10%)
Because something always comes up
$745
Solicitor and valuation figures are placeholders until we load real quotes from our partner solicitors and valuers. LIM fees are set by each council.
This is a guide, not advice. Your actual borrowing depends on the lender's assessment of your full situation. Talk to a mortgage adviser before making decisions.