As a home buyer you will need to pay stamp duty to the government. So this is an added cost on top of the purchase price. Stamp Duty is a state government tax based on where the property is located (not where the borrower lives).
Lenders do not usually lend for the stamp duty and other purchase costs such as legal fees and government charges. Lenders will not lend to you unless they are sure you can pay for these additional costs out of you own funds.
We can assist you with estimating the full cost or your property purchase or refinance.