Stage 04 · Negotiate
19 Julia Street, Ashfield NSW
Negotiation intelligence
Negotiate with structured intelligence.
Synthesised from your inspection, contract, strata records and market data, with the leverage points and recommended range ready to take into the conversation.
HausIQ recommendation
Negotiate.
Confidence: medium-high
Asking price is ~$90-150k above what HausIQ thinks this home is worth once repairs and risks are factored in.
Asking / guide price
$2,400,000
HausIQ recommended range
$2,250,000 – $2,310,000
Suggested adjustment
$90k – $150k below asking
repairs costedstrata reviewedmarket comp'drisk-scored
1
Total cost to acquire
Year-1 outflow
Everything you pay in the first 12 months.
- Purchase price$2,400,000
- Stamp duty (NSW)$112,490
- Legal & conveyancing$2,800
- Building & pest$650
- Immediate repairs (verified)$45,000
- Other upfront costs$8,510
Total year 1$2,570,000
2
Ongoing costs
After year 1
Recurring costs every year.
- Council rates$2,080
- Water rates$933
- Building insurance$2,400
- Maintenance reserve$5,000
- Repairs (period home)$3,000–$8,000
$13.4k – $18.4k / yr
~$1,117 – $1,533 / month before mortgage
3
Financing
Mortgage commitment
Estimated home-loan over the full term.
- Loan amount (est.)$1,920,000
- Interest rate (est.)6.20% p.a.
- Loan term30 years
Estimated monthly P&I
$11,760 / month
- Total interest (30 yrs)$2,313,000
- Total loan repayment$4,233,000
All-in estimated monthly cost
$13,575 / month
$1,815 ongoing + $11,760 mortgage
4
Repairs & defects
From your inspection report
| Item | Est. cost | Confidence |
|---|---|---|
| Roofing. minor leaks | $12,000 – $17,000 | high |
| Drainage. minor issues | $8,500 – $12,000 | medium |
| Electrical. outdated | $6,000 – $9,000 | medium |
| Bathroom. renovation | $5,000 – $8,000 | medium |
| Kitchen. update likely | $3,500 – $6,000 | low |
Total estimated repairs$35,000 – $60,000
5
Asset risk profile
Across 4 dimensions
- Environmental riskLow–Moderate
- Property conditionModerate
- Market & liquiditySlightly weaker
- Financial riskModerate
6
Title & council insights
From planning & title records
- ZoningR2 Low Density
- Heritage overlayNone
- Easements / encumbrancesNone registered
- Section 10.7 flags0
- Build yearc.1925
7
What you should pay
HausIQ's recommended range
$2,250,000 – $2,310,000
Confidence: medium–high
Asking / guide price
$2,400,000
Overpaying by
~$90k – $150k
Fair value
$2.25M – $2.31M
8
Why we think this
Evidence-based
- Repair and update costs will impact value (~$45k verified, $60–90k likely)
- Comparable sales suggest $2.20M – $2.32M for similar 4-bed houses in Ashfield
- Original electrical, ageing roof and moisture exposure reduce buyer pool
- Asking is ~4.2% above the suburb median for this build year & postcode
9
Use this to negotiate
Buyer's pack
We've prepared a negotiation pack with verified evidence and talking points your conveyancer or buyer's agent can use.
Download negotiation packYou've got the full picture.
Continue to Own to track this property after settlement.
10
Documents analysed
Sources behind this report
Building report
Contract of sale
Strata report
Add more documents
11
Digital twin
After you buy
Track this property over time. Stay on top of your ownership journey.
- Maintenance reminders
- Cost tracking
- Equity tracking & valuation
- Refinance signals