The asking price is only the starting point
By Regrob Editorial Team · Published 26 October 2026
Your purchase budget should reflect the money needed to acquire the property and make it usable. An advertised starting price may cover only part of that amount.
Ask for an itemised quotation
Have the seller list the base price and every additional charge. Ask which items are compulsory, which are optional and when each amount is payable.
Account for transaction costs
Budget for applicable government charges, registration, professional advice and loan-related costs. Confirm current amounts with the relevant authority, lender or qualified adviser rather than assuming one percentage applies to every purchase.
Plan the move-in budget
Consider interiors, appliances, utility setup, moving expenses and any maintenance deposits. An empty apartment and a home ready for your family have different budgets.
Check timing as well as totals
Map the payment schedule against your available funds. If you are borrowing, ask your lender to explain disbursement conditions and repayments. Include any period when rent and loan payments may overlap.
Keep room for uncertainty
Set aside a buffer based on your household finances. Before booking, make sure both the upfront amount and the ongoing monthly commitment fit comfortably within your plan.
Related guides
How to compare your shortlisted homes
Make your next site visit count
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