Calculators
Property buying cost calculator
Use this calculator to explore an indicative scenario before speaking with a broker.
01The purchase
You will
First home buyer
Property
02Cash you will need
Cash to complete
—
Stamp duty—
Other costs—
LVR—
Assumptions
Duty scales are the general 2026–27 rates used for an estimate.Foreign buyer surcharges, premium property duty and grants are not included.First home concessions apply only when you will live in the property, and only on the rules noted for that state.Where a loan is involved, a lender still tests repayments at the interest rate plus the 3% serviceability buffer.Conveyancing, inspections and loan fees are allowances you can edit. LMI is not priced.
The calculations do not take into account all fees and charges. Results are estimates only and should not be relied on to make a loan decision. Interest rates and other costs can change. Calculator results are not an offer of credit or a pre-approval. Discuss your individual situation with a qualified Australian Credit Licensee or authorised Credit Representative.
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Put the estimate in context
We will check the inputs, lender policy, fees and the 3% serviceability buffer before you apply.
No application on the first call
We start by checking whether the request is workable.
A document list for your file
You collect only the items relevant to your income and loan type.
A broker calls you
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