Some fees which may be payable that are not ascertainable at the time of initial quote include but not limited to:

• Release of Mortgage fees payable to the Department of Natural Resources.  Without access to a title search, these costs are not ascertainable.  For a purchase, these fees are generally born by the vendor in QLD and deducted from the purchase price thus leaving them out of the calculations and not detrimental to your funds to complete the purchase.  For a refinance, if there is more than one mortgage to be released, the fees will increase according to the number of mortgages.  We have quoted as though there is one mortgage to be released per property.
• Rates and water adjustments made by your solicitor.  These costs are relative to the rates and water paid up on the property and you will be charged or credited, as an adjustment to the purchase price, based on the number of days remaining from settlement date to the next Rates period.  We are unable to predict these costs.
• Title search, Settlement Notice and Bank Cheque fees charged by the lender.  These charges vary from lender to lender and we are unable to determine these costs at the time of your application.  These fees will be disclosed in the loan documentation provided by the lender and provisions should be made at that time if necessary.