Property Purchase Cost Calculator
Enter your total funds available and we'll subtract stamp duty, LMI and fees first — so you can see the real deposit left over and the exact end loan you'll need.
All cash you have for this purchase — your deposit plus money for stamp duty, fees and other costs.
Legal, inspections, loan fees
End loan needed
$633,412
Deposit applied to property
$166,588 (79% LVR)
Stamp duty
$30,412
Costs + fees
$33,412
Est. LMI
$0
Your funds cover stamp duty and fees first; the rest becomes your deposit, which sets the end loan. LMI can often be added to the loan. Estimates only.
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Book with these numbersKnow your numbers before you offer
Going to an auction or making an offer without knowing your full costs is risky. This calculator gives you a clear picture of the cash you'll need and the loan you'll require, so you can buy with confidence.
Key terms explained
The main terms used in this calculator and its results.
- Conveyancing
- The legal process of transferring property ownership from the seller to the buyer, usually handled by a conveyancer or solicitor.
- Deposit
- The upfront portion of a property's price you pay yourself, with the remainder funded by your home loan.
- Lenders Mortgage Insurance (LMI)
- A one-off premium that protects the lender (not you) if you default, typically required when borrowing more than 80% of the property value.
- Loan-to-Value Ratio (LVR)
- Your loan amount expressed as a percentage of the property's value. A lower LVR generally means better rates and no LMI.
- Settlement
- The final stage of a property purchase when ownership legally transfers and your loan funds are paid to the seller.
- Stamp Duty
- A state government tax charged on property purchases, calculated on the property's value and varying by state.
Frequently asked questions
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