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It is an important condition to include in Some banks charge loan application fees of around $400.
Also if you are borrowing more than 80% of the value of the property the lender is likely to charge a Lenders Mortgage Insurance Premium (LMI) fee which varies depending on the perceived risk and amount you are borrowing.
As a property owner you are responsible for paying property rates to the City Council.
These vary depending on the value of the property and region but for a typical property in the Auckland suburbs expect to pay $1500 to $3000.
Noticed many buyers can be misled into purchases that seem cheaper than they are.