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My insurance includes building insurance, of which I pressume you'd have body corporate fees instead.

0.5% ?? I'd have thought at least 1%... My experience from my first IP of cost $290K, for my first year just gone I've spent roughly: Council Rates $1000 Maintenance $500 Water $400 Insurance $600 Agents Fees $900 Even if you took out the agents fees if you self manage, it's almost...