A broker will cost you nothing as your lender will pay them once the loan is established. Another advantage of a broker is a couple of years down the track you can ask them to find you a better interest rate with minimal fuss. As for legal cost I’m not 100% what the going rate is these days. I would expect somewhere between $500-$2000. As the above comment said, a good legal firm is probably not going to be the cheapest. Definitely worth paying for expertise. It’s a small cost in the grand scheme.