How wide is their search?
If the search relies on a small circle of contacts, your options may be narrower than they need to be. Ask which agencies, public listings and other sources were checked.
Look beyond the network ↓An informed choice · By No Buyers Agent
Not necessarily. You can take the lead on your search, then pay for the specific help you need.
A full service buyer’s agent may help if you lack time, local knowledge or negotiating confidence. The question is whether that support is worth its full cost for your purchase.
Free for buyers. You choose which introductions to accept.
Put a number on it
$1,000,000 × 2.5% · Before taxes
If you would otherwise pay this fee and manage the purchase yourself. Fee avoided, not guaranteed net savings.
Illustrations in AUD. Rates are examples; taxes and extra fees excluded. Discovery and introductions differ from buyer representation. See calculation assumptions and service differences.
The short answer
You do not have to outsource your whole property search just because you are buying a home. If you have time to research, inspect, compare prices and organise the purchase, you may prefer to lead the process yourself.
You still need to understand the contract, the property and your finances. Arrange appropriate legal advice and property checks. Buying without a buyer’s agent means taking responsibility for the search and decisions; it does not mean doing every specialist job yourself.
Requirements and professional roles vary by location. Moneysmart’s buying guide is a useful starting point for budgeting, searching and the purchase process.
Why question the fee?
You did the saving.Make every fee earn its place.
Legal work. Inspections. Finance costs. The move. Buying a home already puts enough demands on your budget.
When the seller is paying an agent to market and sell the property, another substantial agency fee deserves a clear explanation of what it adds for you. “That’s how people buy now” is not a reason to spend your savings.
The selling agent works for the seller. A buyer’s agent supplies a different service: representation for you. The question is which parts you need, what they cost and whether you can achieve a sound purchase with more targeted help.
Six reasons to think twice
The cost comes first. Then consider how much visibility and control you keep over the search, the shortlist and the decision. These are questions for the provider you are considering, not assumptions about every agent.
If the search relies on a small circle of contacts, your options may be narrower than they need to be. Ask which agencies, public listings and other sources were checked.
Look beyond the network ↓A polished recommendation tells you little about the alternatives. Ask what else fitted your brief, what was ruled out and why this property deserves your money.
Ask to see the search ↓Less than the asking price is not necessarily less than you could have paid yourself. Ask for the comparison - and include the full agency fee.
What counts as a saving? ↓A quick purchase can work well. Speed alone tells you little about the fit, alternatives or compromises. Your brief should set the standard for success.
What should success look like? ↓If a fee becomes payable when you buy, ask what happens if you keep looking or walk away. You deserve evidence for the recommendation and room to say no.
Understand the payment terms ↓Need contract advice, an inspection or help negotiating? Compare a quote for that specific task before paying for a full search and purchase service.
When paid help can make sense ↓The question behind the shortlist
Ask how it meets your brief, which alternatives were considered and which compromises you would be accepting.
Buyer’s agent fee calculator
Small percentage. Substantial money. Fees may be fixed, a percentage of the purchase price, or a package for a specific service. Compare the full written quote, including engagement charges, taxes and what happens if you do not buy.
REBAA’s published fee guide describes a full service percentage example of 2 to 3% plus GST, with an engagement fee. This is an industry association’s guide, not a verified market average. Our sliders use those percentages as illustrative scenarios; actual quotes can differ. Read the fee guide.
At an illustrative 2.5% before taxes · Percentage fee component only
$1,000,000 × 2.5% · Before taxes
Paid search and representation; scope depends on your agreement.
Property discovery and buyer approved introductions.
Explore No Buyers Agent ↗Figures in AUD. Illustrative 2 to 3% scenarios, not market averages. Taxes and extra fees excluded. Platform discovery and introductions differ from buyer representation. Legal, inspection and finance costs remain.
What avoiding the fee means
At the same purchase price, avoiding this fee leaves $25,000 available before any extra costs of buying for yourself.
Your home. Your moving costs. Your cash buffer.
Fee avoided is not net savings. Your time, extra support and purchase outcome affect the total. Your borrowing limit does not change.
Explore the time behind the fee
Ask how much work is included. Adjust the total working hours across everyone involved in your purchase.
The starting value of 80 hours is an editable scenario. A reliable average of hours worked per purchase has not been established for this guide. The result divides the percentage fee before taxes by the assumed hours. Business costs, staff wages, expertise, risk and work on unsuccessful searches affect the economics of the service.
Choose the level of help
They can be. A capable agent may bring local knowledge, research, negotiation and time savings. Those benefits matter most when they solve a problem you actually have. They do not make a full agency package the best choice for every buyer.
Consider managing the search yourself. Use public listings, direct conversations with selling agents and other available channels. Pay for the specialist checks you need.
If you have found a home but want support assessing or negotiating it, compare a limited service quote with a full package. Confirm exactly what is included.
Distance, limited time, unfamiliar markets or a complex brief may justify broader help. Compare providers, total fees, search coverage and the evidence behind their advice.
Depending on the agreement, a buyer’s agent may search for properties, assess them against your brief, research prices, inspect, negotiate, bid at auction and coordinate parts of the buying process. Some providers offer individual services as well as full search packages.
Ask what the agent personally does, what is outsourced and what remains your responsibility. Representation does not remove the need for appropriate legal advice, finance approval or independent property checks. REBAA describes the services and questions to ask.
Put value ahead of the sales pitch
Compare the likely help with the full cost: your time saved, the quality of the advice, negotiating support and risks you would otherwise struggle to assess. A lower price than the original asking price does not, on its own, prove a saving over buying yourself.
At an illustrative $25,000 fee, a price improvement of $25,000 against what you would otherwise pay only covers that fee before other costs. Time and risk may still have value, but they are separate benefits to weigh.
Look beyond the label
A buyer’s agent is one possible route, not the only route. Selling agents may introduce suitable buyers before public advertising. Building direct relationships and explaining what you want can help you hear about opportunities, although no channel guarantees access.
“Off market” describes how a property is offered. It does not prove a lower price, a better home or a better fit. Some opportunities are new; others may have been advertised before. Check each property’s history instead of treating the label as a reason to hurry.
Ask what recent comparable sales support the price, whether the home was previously advertised, why its status changed and how much time you have for your own checks. REBAA itself cautions buyers about off market pricing and urgency.
A practical alternative
Keep the decisions with you. Bring in expertise where it earns its place.
Allow for the purchase, taxes and duties where applicable, finance, legal work, inspections and moving. Keep a buffer. Confirm what your finance approval does and does not cover.
Separate must haves from preferences. Define locations, property needs and the compromises you would accept. Use the same brief when comparing homes.
Check listings, attend inspections and tell relevant selling agents what you want. Record the properties considered and why each does or does not fit.
Use recent settled sales of genuinely comparable properties. Review condition, title and planning issues with appropriate professionals. Ask about anything missing or uncertain.
Understand the contract, conditions, deadlines and deposit obligations. Get legal advice early, particularly before an auction or an unconditional offer. Rules differ by location.
Make an informed offer within your limit. Work with your lender and legal adviser through finance, checks, settlement and any final inspection. Keep records of agreements.
This is a planning overview, not a replacement for advice about a particular purchase. Read Moneysmart’s home buying guidance.
Questions to ask before signing
Where the seller pays the selling agent, that fee buys a service for the seller: marketing, negotiation and the sale. It does not buy you independent representation.
A buyer’s agent is a separate service. Our view is that its cost should be justified by what you need, rather than treated as an automatic part of buying. If you can manage your purchase, compare ways to find properties yourself, then choose the legal, inspection and other support appropriate to the property.
Not necessarily. A buyer’s agent can search public listings and approach selling agents beyond their established contacts. A network is not the same thing as the scope of the search.
The risk to question is a search that relies too heavily on a narrow set of sources. Ask which agencies are being approached, whether public listings are included and whether suitable properties you find yourself will be assessed. Agree how progress will be reported.
No Buyers Agent also depends on participating selling agents and available properties. No single channel should be assumed to cover every suitable home.
Shortlisting can save useful time. You still need to understand the decisions behind it. Ask for a simple record of properties screened, shortlisted and inspected, with reasons for excluding credible alternatives.
A convincing pitch should stand up to those questions. You are the client, and the recommendation should help you make an informed decision.
Neither measure is enough on its own. A fast purchase may be an excellent match. A long list of unsuitable homes may simply create more work. There is no universal number of viewings that proves value.
Judge the search by relevant choice, fit to your brief, evidence for the price and a clear explanation of the compromises. Ask how many properties were screened, how many met your requirements and why the recommended home was stronger than the alternatives. A sound decision to keep looking can also be valuable.
If time saved is the main benefit, put a price on it. An illustrative $25,000 fee divided by 100 buyer hours saved is $250 per hour. The hours are assumed, and this does not account for other benefits or risks. It is a different measure from an agent’s working hours.
If part of a fee depends on you buying, the business has a commercial interest in a purchase proceeding. That does not establish poor advice. It does make payment triggers and the evidence behind a recommendation worth examining.
Ask when each payment becomes due, what happens if you reject a property or stop searching, whether you owe a fee for a home you find yourself, and how any referral benefits are disclosed. A percentage fee also grows with the purchase price: at 2.5%, another $10,000 adds $250 before taxes.
Your brief should remain the standard - even when the right decision is to wait.
It is possible, but a lower price than the seller first asked is not proof of an advantage over buying yourself. Ask how the saving is measured, what comparable sales support it and whether the full fee has been deducted.
In a simplified example, a $25,000 fee requires a price improvement of more than $25,000 versus what you would otherwise pay to create a purchase price saving after that fee. Time, risk and other benefits are separate considerations.
Participating selling agents fund the platform through membership and usage fees. Buyers pay no platform fee for briefs, proposals, introductions or required identity checks. Legal advice, inspections and other purchase costs remain separate. The platform does not negotiate or represent you.
Why No Buyers Agent exists
No Buyers Agent makes property discovery and introductions free for buyers. You describe what you need; participating selling agents bring relevant proposals; you decide which introductions to accept.
Compare opportunities and keep control of who you connect with. No Buyers Agent does not act as your buyer’s agent, negotiate for you or replace independent advice.
Selling agent membership and usage fees fund the service. Availability depends on supported locations, participating agents and properties. Selling agents continue to represent sellers.
Explore No Buyers Agent ↗Value on the other side, too
For a selling agent, clearer buyer requirements may reduce repeated qualification and unsuitable viewings. A suitable buyer found before a public campaign may also reduce a seller’s advertising spend, where that spending has not already been incurred or committed.
If a planned $4,000 advertising campaign becomes entirely unnecessary, up to that $4,000 expense could be avoided before replacement costs. This is an assumed budget, not an average or promised saving. Any saving belongs to whoever would have paid the bill. A wider campaign may still be in the seller’s interests.
Evidence and perspective
Calculations are our own illustrations. Fees, service scope and property circumstances vary. We use the sources below for context, not as endorsements of No Buyers Agent.
Your next home. Your decision.
Then explore a different way to connect with the agents selling homes.