← Buying guide
Plan potential purchase costs
Every cost is shown separately. Enter a rate (such as 2%) where it is calculated from a base amount; enter a known or quoted vatu amount where it is a fixed or property-specific cost.
Cost itemInputResult
Purchase price and government charges
Purchase priceThe agreed price in the sale and purchase agreement.
Stamp dutyCalculated from the purchase price. Confirm the current rate, basis and who pays it. Source: Ministry transfer pathway ↗
% of price
Land Registry transfer registrationCalculated from the purchase price. The published schedule lists 5% for transfer of lease; confirm the applicable fee and basis. Source: Registry fee schedule ↗
% of price
Consent to transferApproval process fee for the transfer where applicable. Enter the confirmed amount for this transaction. Source: Ministry direction ↗
Lessor consent, premium or transfer chargeOnly if required by the lease or lessor. Obtain the amount and payment responsibility in writing.
Legal, search and investigation costs
Independent lawyer / conveyancingEnter the written quote for legal advice, contract work, settlement and registration support.
Current title searchOfficial Land Registry title search or certified title evidence for the exact lease. Source: Registry fee schedule ↗
Lease, transfer and document copiesCertified copies, document preparation or other separately quoted registry documents. Source: Registry fee schedule ↗
Independent valuationValuer’s quote; distinct from a survey or building inspection. It may be required by a lender.
Land survey or boundary workSurveyor’s quote if required. This is distinct from valuation and building inspection.
Building inspectionInspector’s quote for the building and site condition.
Cyclone / structural engineering reportSeparate engineering or cyclone certificate/report where needed for condition or insurability.
Finance and mortgage costs only if borrowing
Mortgage amountEnter zero if you are not borrowing. This is the base for mortgage registration.
Mortgage registrationCalculated from the mortgage amount. The published Registry schedule lists 1.5%; confirm with your lender and lawyer. Source: Registry fee schedule ↗
% of mortgage
Loan application or establishment feeEnter the lender’s quoted fee.
Lender valuation feeEnter the lender’s fee if it charges separately. Do not combine it with an independent valuation.
Lender legal or documentation feeEnter the lender’s separately quoted legal, document or settlement fee.
Settlement adjustments one-off amounts at settlement
Land-rent adjustment or arrearsAmount allocated to the buyer at settlement; confirm against current land-rent evidence and the contract.
Municipal rates or property-tax adjustmentAmount allocated to the buyer for the relevant municipal area, if applicable.
Utilities adjustmentWater, power, internet or other connected-service amount allocated at settlement.
Strata or body-corporate adjustmentOnly if the property has strata/body-corporate charges.
Indicative one-off costs above purchase priceVT 0Total including purchase price: VT 0
Ongoing property costs not added to the purchase total
Land rentRecurring rent payable under the lease. Enter the current annual amount shown for this property.
Municipal rates or property taxRecurring charge where applicable. Enter the current annual amount for this property.
Property insuranceAnnual premium quoted by an insurer for the property and its risk profile.
UtilitiesEstimated annual water, power, internet and other ongoing connected services.
Strata or body-corporate leviesAnnual levy where applicable.
Property managementAnnual management fee or allowance if the property will be managed for you.
Indicative ongoing costsVT 0 / year