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Yes, NSW does. but there is an exemption for natural persons buying property. Lines of credit still attract duty as do loans for a company purchasing real property.

You have still incurred the cost of the stamp duty and LMI so no difference to the claiming of these other than you may also be able to claim the interest on these loans.

Land titles fees would be a government charge to register the transfer or similar. A capital expense Settlement fee could be for the lender to attend settlement and would therefore be a borrowing cost. Bank cheque is for settlement cheques. Not really a borrowing cost as you would incur...