1)The State and local government fees:

All these charges vary; depend on the city, council the property you purchase is located. Make sure you ask your solicitor or the agent selling to you the exact amounts for which you are liable.

stamp duty
registration of mortgage
land transfer registration fee
Council rates, which cover the costs of such services as garbage collection, local park maintenance.
Registration of Title Deed
Water rates, which cover the cost of providing clean water and sewerage services.

2)The borrowing fees

The lenders obviously will charge interest on the money you borrow.

There are a few fees they may or may not charge you. They may also give you discount on these fees. Check with your lender carefully to avoid any confusion.

Loan application fee
Property valuation fee
Loan establishment fee
Legal fees (payable to the bank’s solicitors)
Mortgage insurance (protects the lender against loss if the borrower unable to make the repayment)
Ongoing fees for servicing your loan
Termination fees (if you wish to pay out or refinance your loan etc.)

3)Other fees:

Conveyancing fees
Building insurance and home contents insurance
Mortgage protection insurance (protects yourself against any injury, illness or death caused loan default)
Renovations or repair
Building Inspection fee to ensure the property you purchase doesn’t has any major structural problems and to ensure the brand new property meets the Australian Standard.