Use a realistic expected sale price, not a hopeful one. Commission is charged on what the property actually sells for, so every figure below moves with this number. The table updates as you type.
What choosing the right agency could save you
That is the gap between the lowest and the highest total on a $900,000 sale, counting only the agencies that publish a fee or have one reported for them: Arizto at $21,447.50 including GST and Ray White at $35,075.00 including GST. It is money, not proof: a dearer agency has to add at least this much to your final price to be worth the difference.
| # | Agency | Commission excl GST | GST 15% | Total incl GST | Gap vs cheapest in tier |
|---|---|---|---|---|---|
| Tier 1. Agencies that publish their fees These agencies publish a fee you can trace back to the agency itself, so they can fairly be priced against each other. This is the only genuine cost ranking on the page, and the Cheapest and Dearest labels apply inside this group only. | |||||
| 1 | AriztoCheapest Nationwide (low-fee) From agency website | $18,650.00 | $2,797.50 | $21,447.50 | Cheapest |
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Fee structure: 2% of the sale price, minimum $11,000, plus a $650 administration fee, all plus GST. Source: From agency website. Key figures are published by the agency, with the headline rate corroborated from the agency's own channels rather than from a rate card. Note: Arizto is a low-fee agency. Its terms and conditions publish a $650 administration fee and a minimum commission of $11,000 plus GST, along with an $800 auction fee and a $200 relisting fee if the property is relisted within 90 days. The 2% headline rate is not on the corporate site but is stated on Arizto's own social channels and by its agents, and it reconciles with the published minimum, since 2% of $550,000 is exactly $11,000. Individual Arizto agents also advertise flat fees of $10,000 or $12,500 plus GST, so confirm your agent's pricing. Dedicated tool: Arizto Commission Calculator |
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| 2 | Tall Poppy Nationwide (fixed-fee) Published rate card | $22,169.57 | $3,325.43 | $25,495.00 | +$4,047.50 |
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Fee structure: Fixed fee bands from $15,648 for sales from $500,000 up to $49,561 for sales up to $2,499,999, in 16 steps. Outside that range the fee is negotiated. All figures plus GST. Source: Published rate card. The agency publishes this fee itself, so you can check it against the agency's own page. Note: Tall Poppy publishes a banded fixed fee rather than a percentage, running from $17,995 including GST at $500,000 up to $56,995 including GST just under $2.5m. Its published figures include GST, unlike the percentage agencies, which quote plus GST, so compare the GST-inclusive totals rather than the headline numbers. Below $500,000 and above $2.5m Tall Poppy publishes no fee and asks you to contact a local consultant. The fees are a national default and Tall Poppy notes savings are larger in some regions, so the local figure can differ. Dedicated tool: Tall Poppy Commission Calculator |
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| 3 | Barfoot & ThompsonDearest Auckland and Northland Published rate card | $25,800.00 | $3,870.00 | $29,670.00 | +$8,222.50 |
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Fee structure: 3.95% on the first $400,000, then 2% on the balance, minimum $11,000, all plus GST. Source: Published rate card. The agency publishes this fee itself, so you can check it against the agency's own page. Note: Barfoot & Thompson is the one large New Zealand agency that publishes its rate card. It charges 2% of the purchase price except for the first $400,000, which is charged at 3.95%, with a minimum commission of $11,000 and no administration fee, all plus GST. Barfoot & Thompson is a single company rather than a franchise network, which is why one published rate applies across its offices. Dedicated tool: Barfoot & Thompson Commission Calculator |
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| Tier 2. Agencies that publish nothing, but a third party reports a rate These agencies publish no commission rate of their own. The figures below are what a named third party reports for them, so they are reported rates rather than published ones. They are listed cheapest to dearest on the reported figure, and they carry no Cheapest or Dearest label because the numbers are not the agencies’ own. | |||||
| 1 | LJ Hooker Nationwide Indicative structure | $26,300.00 | $3,945.00 | $30,245.00 | Lowest reported |
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Fee structure: 3.95% on the first $400,000, then 2% on the balance, minimum $11,000, plus a $500 administration fee, all plus GST. Source: Indicative structure. The agency publishes no rate. The structure shown is the one a named third party reports for it, so it is a reported figure rather than a quote. Note: LJ Hooker has a cost-of-selling page that addresses fees directly but publishes no figures, stating that the commission method is agreed before contracts are signed. The structure shown is the figure reported by Opes Partners, with an administration fee of about $500, and is a single secondary source rather than a rate card. Confirm with your local office. Dedicated tool: LJ Hooker Commission Calculator |
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| 2 | Harcourts Nationwide Indicative structure | $26,350.00 | $3,952.50 | $30,302.50 | +$57.50 |
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Fee structure: 3.95% on the first $400,000, then 2% on the balance, minimum $11,000, plus a $550 administration fee, all plus GST. Source: Indicative structure. The agency publishes no rate. The structure shown is the one a named third party reports for it, so it is a reported figure rather than a quote. Note: Harcourts publishes no commission rates on harcourts.co.nz. Harcourts is a franchise network and each office sets its own fee, so no single national Harcourts rate exists. The structure shown is the figure reported by Opes Partners for a typical Harcourts office, with a $550 administration fee, and is indicative only. Confirm the actual rate with your local office in writing. Dedicated tool: Harcourts Commission Calculator |
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| 3 | Bayleys Nationwide Indicative structure | $28,300.00 | $4,245.00 | $32,545.00 | +$2,300.00 |
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Fee structure: 3.95% on the first $400,000, then 2.5% on the balance, minimum $11,000, all plus GST. Source: Indicative structure. The agency publishes no rate. The structure shown is the one a named third party reports for it, so it is a reported figure rather than a quote. Note: Bayleys publishes no commission rates on bayleys.co.nz. Independent sources disagree: Opes Partners reports 4% on the first $500,000 then 2.5% with a $600 administration fee, while a Canterbury market commentary dated April 2026 reports 3.95% on the first $400,000 then 2.5%. The second is shown here because it is the more recent and more specific of the two. Treat it as indicative and confirm with your salesperson. Dedicated tool: Bayleys Commission Calculator |
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| 4 | Ray White Nationwide Indicative structure | $30,500.00 | $4,575.00 | $35,075.00 | +$4,830.00 |
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Fee structure: 3.95% on the first $500,000, then 2.5% on the balance, minimum $11,000, plus a $750 administration fee, all plus GST. Source: Indicative structure. The agency publishes no rate. The structure shown is the one a named third party reports for it, so it is a reported figure rather than a quote. Note: Ray White publishes no commission rates on raywhite.co.nz. Every Ray White office is independently owned and sets its own fee, so no single national Ray White rate exists. The structure shown reflects Auckland offices as reported by Opes Partners. Offices outside Auckland are commonly reported at 3.95% on the first $400,000 then 2%, so the fee at your office may differ materially. Confirm in writing. Dedicated tool: Ray White Commission Calculator |
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| Tier 3. Agencies that publish nothing, and no third party reports a rate Nobody publishes a rate for these agencies and no third party reports one, so the calculator applies one common market-typical structure to all of them. That single shared structure is why the total below is identical for every row in this group. It is a placeholder standing in for pricing that does not exist in public, not any of these agencies’ rate, so the rows are listed alphabetically instead of ranked. Ask the office for its fee in writing. | |||||
| n/a | First National Nationwide Indicative structure | $25,800.00 | $3,870.00 | $29,670.00 | Not compared |
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Fee structure: 3.95% on the first $400,000, then 2% on the balance, minimum $11,000, all plus GST. Source: Indicative structure. The agency publishes no rate and no third party reports one. The structure shown is a market-typical placeholder shared with the other agencies in that group, not this agency's rate. Note: First National publishes no commission rate and no independent source reports one. It is a franchise group in which member offices set their own fees, so a brand-wide rate may not exist at all. The structure shown is the typical New Zealand pattern rather than a First National rate. Confirm with your local office. Dedicated tool: First National Commission Calculator |
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| n/a | Lodge Waikato Indicative structure | $25,800.00 | $3,870.00 | $29,670.00 | Not compared |
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Fee structure: 3.95% on the first $400,000, then 2% on the balance, minimum $11,000, all plus GST. Source: Indicative structure. The agency publishes no rate and no third party reports one. The structure shown is a market-typical placeholder shared with the other agencies in that group, not this agency's rate. Note: Lodge publishes no sales commission rate and no independent source reports one. The structure shown is the typical New Zealand pattern rather than a Lodge rate. Two figures nearby are easy to confuse and are both wrong for selling: the 8.5% on their site is a property management fee on rental income, and Barfoot & Thompson's published card does not apply to Lodge, which is a separate Waikato company. Ask the office for the rate in writing. Dedicated tool: Lodge Commission Calculator |
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| n/a | NZ Sotheby's International Realty Nationwide (premium) Indicative structure | $25,800.00 | $3,870.00 | $29,670.00 | Not compared |
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Fee structure: 3.95% on the first $400,000, then 2% on the balance, minimum $11,000, all plus GST. Source: Indicative structure. The agency publishes no rate and no third party reports one. The structure shown is a market-typical placeholder shared with the other agencies in that group, not this agency's rate. Note: NZ Sotheby's International Realty publishes no commission rate, and no independent source we checked reports one. The structure shown is the typical New Zealand pattern rather than a Sotheby's rate. As a premium and luxury specialist its commission and marketing are negotiated per property and marketing budgets are usually well above the market norm, so ask for the full cost in writing. Dedicated tool: NZ Sotheby's International Realty Commission Calculator |
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| n/a | PGG Wrightson Real Estate Rural / lifestyle NZ Indicative structure | $25,800.00 | $3,870.00 | $29,670.00 | Not compared |
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Fee structure: 3.95% on the first $400,000, then 2% on the balance, minimum $11,000, all plus GST. Source: Indicative structure. The agency publishes no rate and no third party reports one. The structure shown is a market-typical placeholder shared with the other agencies in that group, not this agency's rate. Note: PGG Wrightson publishes no commission rate for residential or rural property and no independent source reports one. The structure shown is the typical residential New Zealand pattern rather than a PGG Wrightson rate. Rural and lifestyle commission is normally negotiated per property and often differs from residential, so on a farm or lifestyle block treat this figure as a rough starting point only and get the rate in writing. Dedicated tool: PGG Wrightson Real Estate Commission Calculator |
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| n/a | Property Brokers Provincial / rural NZ Indicative structure | $25,800.00 | $3,870.00 | $29,670.00 | Not compared |
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Fee structure: 3.95% on the first $400,000, then 2% on the balance, minimum $11,000, all plus GST. Source: Indicative structure. The agency publishes no rate and no third party reports one. The structure shown is a market-typical placeholder shared with the other agencies in that group, not this agency's rate. Note: Property Brokers publishes no vendor commission rate, and no independent source we could find reports one either, so this is the least documented structure in the table. The figures shown are the typical New Zealand pattern, not a Property Brokers rate. Note that the 9% and 11% figures published on their site are property management fees on rental income and have nothing to do with selling. Ask the branch for the rate in writing. Dedicated tool: Property Brokers Commission Calculator |
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| Not ranked at this sale price At this sale price these agencies sit outside the range they publish fee bands for, so the fee is agreed case by case. They are shown for completeness and never ranked. | |||||
How to read the three groups. Barfoot & Thompson publishes a rate card, Tall Poppy publishes fee bands and Arizto publishes its minimum fee and administration fee, so those three are the only agencies whose pricing can be checked at the source and the only ones ranked against each other. The tier 2 agencies publish nothing, so their figures come from a named third party rather than from the agency. The tier 3 agencies publish nothing and nobody reports a figure for them either, so all five carry one shared market-typical structure, which is the whole reason their totals are identical. Barfoot & Thompson lands on that same total because its published rate happens to match the typical shape. Treat every figure outside tier 1 as a placeholder or a second-hand report and ask the office for its own fee in writing.
Excluded from the ranking: . This sale price sits outside the range that agency publishes fee bands for, either below the lowest band or above the highest, so the fee is negotiated case by case. Rather than invent a number, the calculator shows Negotiated and leaves the agency out of the cheapest to dearest ranking. Ask the agency directly for a written fee at your price.
The number at the top of this page is only real if you act on it before you sign. Shortlist two or three agencies on local sales evidence, then ask each one for a written fee proposal covering the commission rate, any administration fee, the marketing budget and whether commission is payable on the contract going unconditional or on settlement. Put the proposals side by side, name the lowest figure to the others, and negotiate. Then talk to a mortgage adviser about the net proceeds, because the amount left after commission, marketing and repaying your current loan is the deposit that decides what you can buy next. A saving of a few thousand dollars on commission is worth more once it is working as equity in the next property.
This comparison calculator answers one question that every New Zealand vendor asks and almost nobody can find a straight answer to: how much would each agency actually charge me? Enter your expected sale price once and the table applies that single price to all 12 agency fee structures we maintain, then groups them by how well evidenced each agency's pricing is. Agencies that publish their fees sit in tier 1 and are ranked cheapest to dearest against each other, because that is the only comparison the evidence supports. Agencies that publish nothing but have a rate reported by a named third party sit in tier 2, and agencies that publish nothing with nobody reporting a figure sit in tier 3 on a shared market-typical structure, which is why their totals are identical. For each agency you see the commission excluding GST, the GST at 15%, the total including GST, and the dollar gap between that agency and the cheapest in its own tier, so the cost of choosing one brand over another stops being an abstraction and becomes a number you can take into a listing appointment. The headline figure at the top is the spread between the lowest and highest cost across the agencies that publish a fee or have one reported for them, which is the amount genuinely at stake in the decision. Every rate comes from one maintained file that also feeds the individual agency calculators on this site, so the same agency never shows two different answers. Three different fee shapes are handled: tiered percentages, a flat percentage with a minimum fee, and fixed fee bands. Where your price falls outside the range an agency actually publishes fees for, at either the bottom or the top, the calculator says so instead of guessing. Commission is negotiable, so use this to negotiate.
Almost every residential agency agreement in New Zealand uses one of three structures, and knowing which one you are looking at tells you immediately whether a higher sale price helps or hurts you.
Tiered percentage. The most common shape by far. A higher percentage applies to the first slice of the sale price and a lower percentage applies to everything above it, with a minimum fee underneath. Barfoot & Thompson publish a residential rate of 3.95% on the first $400,000 then 2% on the balance with an $11,000 minimum, and most of the large franchise brands are reported to use something close to the same shape. The logic is that the first part of any sale carries the fixed workload, so the marginal rate drops after that. The consequence for you is that the effective percentage falls as the price rises. On a $500,000 sale a 3.95%/2% structure with a $400,000 first tier costs $17,800 excluding GST, an effective rate of 3.56%. On a $1,500,000 sale the same structure costs $37,800, an effective rate of 2.52%.
Flat percentage with a minimum. Low-fee agencies typically charge one modest percentage across the whole price, protected by a minimum fee so that cheap sales still cover the cost of doing the work, and sometimes an administration fee on top. Arizto sits in this group. The minimum matters more than people expect: at a low sale price the percentage is irrelevant and you simply pay the minimum, which is why the cheap option and the expensive option converge at the bottom of the market and diverge sharply at the top.
Fixed fee bands. Tall Poppy prices this way, publishing a set dollar fee for each price band rather than a percentage. The attraction is that you know the fee before the campaign starts and it does not climb with the price, so every extra dollar of sale price is yours. The limitation is that the published bands only cover a defined price range, with a floor as well as a ceiling. Below the lowest published band and above the highest, the fee is negotiated case by case rather than published, which is exactly why this calculator tells you so at either end instead of guessing at a number.
Here is the arithmetic behind the default figures in the table, spelled out. The sale price is $900,000 and GST is 15%.
Barfoot & Thompson (published rate card, tiered). 3.95% of the first $400,000 is $15,800.00. 2% of the remaining $500,000 is $10,000.00. Added together the commission is $25,800.00 excluding GST, still comfortably above the $11,000 minimum, so the minimum does not bite. GST at 15% is $3,870.00. The invoice total is $29,670.00.
A typical large franchise structure (indicative, tiered). 3.95% of the first $400,000 is $15,800.00. 2% of the remaining $500,000 is $10,000.00. Commission is $25,800.00 excluding GST, GST is $3,870.00, and the total is $29,670.00. Note that this is the same shape Barfoot & Thompson publish, so on this sale the two land on the same figure. What separates the large brands in practice is the administration fee several of them add on top.
Arizto (from agency website, flat percentage with a minimum). 2% of $900,000 is $18,000.00, which is above the $11,000 minimum, so the percentage applies. Add the $650 administration fee and the fee excluding GST is $18,650.00. GST is $2,797.50 and the total is $21,447.50. The $650 administration fee and the $11,000 minimum are published in Arizto's own terms and conditions, while the 2% headline rate is stated on Arizto's own channels rather than on a formal rate card.
Tall Poppy (published fee bands). $900,000 falls inside the $875,000 to $999,999 band, and Tall Poppy publishes that band as $25,495 including GST, which is $22,169.57 excluding GST. GST is $3,325.43 and the total is $25,495.00. Tall Poppy publishes its prices including GST while the percentage agencies quote plus GST, so the GST-inclusive totals are the ones to compare.
NZ Sotheby's International Realty (indicative structure, not a published rate). 3.95% of the first $400,000 is $15,800.00. 2% of the remaining $500,000 is $10,000.00. That is $25,800.00 excluding GST, GST of $3,870.00, and a total of $29,670.00. This is not a Sotheby's rate. They publish no commission figure at all and no third party we checked reports one, so the calculator applies the typical New Zealand structure as a placeholder. A premium or luxury campaign will usually cost more than this, particularly on marketing.
Across the agencies that publish a fee or have one reported for them, the lowest and highest totals on that sale are $21,447.50 and $35,075.00, a spread of $13,627.50 including GST. On a $900,000 property that is 1.51% of the sale price sitting in a decision most vendors make in a single meeting, often on the strength of a well-presented appraisal rather than a comparison of fees. It is also roughly the difference between a $180,000 deposit and a $193,627.50 deposit on your next purchase.
The honest position is that nobody can prove which agency would have got you the highest price, because your house only sells once and there is no control group. Fee is measurable; outcome is not. That cuts both ways. It means the confident claim that a full-service agency will always recover its higher fee in the sale price is not evidence, it is marketing. It also means the assumption that a fixed fee agency will get the same result for less is not evidence either.
What the comparison gives you is the size of the bet. On the $900,000 example, choosing the dearest structure over the cheapest costs $13,627.50 including GST. That agency has to deliver at least that much extra in the final price simply to break even for you. Whether they can is a question about that specific salesperson: their recent sales within a kilometre of your property, how many of those sold above the appraisal range, how they intend to handle multi-offer or auction negotiation, and how much of your marketing budget goes to reach buyers rather than to promote the brand. Those are answerable questions. Ask them, then decide whether the fee gap is justified. A vendor who has done the arithmetic negotiates from a much stronger position than one who has not.
Commission is only one line on the settlement statement. Marketing and advertising are charged separately and typically range from about $1,000 to $10,000 or more depending on the campaign. That budget covers photography, video, floor plans, listing fees on the property portals, signage, print, and auction room costs where relevant. Some agencies ask for it up front and some deduct it at settlement; some refund part of it if the property does not sell, and many do not. Confirm the amount, the timing and what happens if the campaign fails before you commit.
Also outside these numbers: conveyancing and legal fees, any staging or presentation spend, a bonus or incentive clause if you negotiate one into the agreement, and the mortgage break costs you may face if you are repaying a fixed loan early. The GST shown here is charged on the commission and on any administration fee. If you are selling a private home you cannot claim that GST back, so it is a real cost. If the sale is part of a GST-registered activity the treatment differs and you should take advice, because property GST is one of the areas where people get caught.
Commission is a term of a contract, not a fixed price, and the Real Estate Agents Act 2008 requires the agency agreement to set out the fee clearly so you can see exactly what you are agreeing to. A few things reliably move the number. Get more than one proposal, in writing, and say so. Ask for the fee to be expressed as a total dollar figure including GST at your expected sale price rather than as a percentage, because percentages hide the size of the cheque. Negotiate the payment trigger as well as the rate: commission that falls due on settlement rather than on the contract going unconditional protects you if the buyer defaults. Ask whether the marketing spend is refundable and whether unsold campaigns carry any cost. And check the term of the sole agency and what happens at the end of it, because a long exclusive period with no performance conditions removes the leverage you are using right now.
It is built for New Zealand vendors at the point of choosing an agency, whether that is a first sale, a downsize, an investment property exit or an estate. It is equally useful to buyers trying to understand what sits inside a vendor's price expectation, and to anyone modelling the true cost of a move, where commission is usually the single largest transaction expense. If you already know which agency you are using and just want their numbers in detail, go straight to that agency's own calculator using the links below.
Yes. There is no regulated commission rate. Every rate is a matter of agreement between vendor and agency, and rates vary by office, region, property type and campaign. Most large brands are franchises where each office prices independently, so two branches of the same name can quote differently on the same street.
Yes, at 15%, on the commission and on any administration fee. Commission is quoted exclusive of GST, which is why a quoted 3.95% costs more than it first appears. On $25,800.00 of commission the GST is $3,870.00 and the total invoiced is $29,670.00.
It means the agency publishes no rate, so a stand-in figure has been used. The table splits that into two cases so you can see which you are looking at. Tier 2 agencies have a rate reported for them by a named third party, which is second-hand but traceable. Tier 3 agencies have nothing published and nothing reported, so all five share one market-typical structure and return the same total. Either way it shows the shape of the fee, not a quote. Get the office's real figure in writing.
Because a single ranking would imply a precision that does not exist. Only three of the twelve agencies publish pricing you can check, and five publish nothing that anyone has ever reported. Ranking a placeholder against a published rate card would present a guess and a fact as though they were the same kind of number. Grouping by evidence keeps the real price ranking real and shows you exactly how much is known about each agency's fee.
Fixed fee agencies publish fees only across a defined price range. Outside that range, below the lowest band or above the highest, the fee is agreed case by case, so there is no published number. Rather than invent one, the calculator shows Negotiated and leaves that agency out of the ranking so the ranking is not distorted by a guess.
Whatever the agency agreement says. The common default is when the contract goes unconditional, which means you can owe commission even if the buyer later fails to settle. Payment on settlement is a more vendor-friendly alternative and is a negotiable term. Raise it with your lawyer before signing.
Nobody can prove it either way for your property. What is measurable is the fee gap. Judge each agency on recent local sales evidence, the marketing plan and how they intend to negotiate, then treat the fee difference as the amount they need to justify.
Each agency below has its own calculator on this site, driven by the same rate file as the table above, with the full structure and notes for that brand:
If you would rather enter your own rate instead of using an agency structure, the Real Estate Commission Calculator lets you set the percentage yourself and shows the commission, GST and net proceeds on any sale price.
This calculator is built from New Zealand sources. Commission rates themselves are not regulated, so always confirm the fee directly with the agency and read the agency agreement before you sign:
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