Two of these are building and pest inspections. Many contracts are signed with an added clause about these two inspections. You don't want to go to all the trouble and expense of purchasing your dream property only to discover that it is riddled with termites, or structurally unsound. Much better to pay for the advice of specialists to assure you that all is well – or not, as the case may be. At least if you find out that it's not, you'll have a legal way of cancelling the contract.
A property Valuation by an independent party will also give you peace of mind that you have not paid more than the fair market value for your property. The bank will probably do one before they approve the loan, but that is not usually made available to the purchaser.
Last but not least is the cost of your mortgage insurance. This may not apply to you, but if you have less than 80% of the purchase price, the bank will want to be insured just in case the worst happens and you can't pay the loan. Hopefully, this won't happen to you.
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