As an increasing number of Queenslanders downsize into strata-managed units and apartments, rising body corporate fees and sudden bill shocks are creating unexpected financial hardship.

Nikki Lonergan, CEO of Archart Strata Professionals, joined Gary Hardgrave on 4BC Mornings to break down the hidden costs - from surging insurance premiums and maintenance contracts to unexpected special levies - and share essential advice on how buyers can protect themselves before moving in.