One offer, four connected limits
First, define the deposit you can use without emptying every reserve. Second, estimate transfer and bond-registration costs separately; they are not simply part of the deposit. Third, test the monthly repayment across more than one interest assumption. Fourth, add rates, levies, insurance and maintenance.
These figures interact. A larger deposit may lower the loan but leave less cash for transfer costs or early repairs. A lower purchase price may still carry high levies. A manageable instalment may become tight once transport from the new area is included.
Before signing, write down the assumptions and the cash that remains after completion. If the offer depends on finance, take legal guidance on the wording and deadlines. Affordability work informs your financial boundary; it does not replace advice on the sale agreement.