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Property Purchase Costs Calculator
This calculator shows you the upfront and weekly costs associated with buying a home. It will also give you an idea of how much money you should expect to spend on fees like stamp duty.
Estimated results
Upfront costs
$0
$0
$0
$0
$0
$0
$0
Ongoing costs
$0
$0
$0
Upfront & ongoing cost calculator assumptions:
The calculator does not take into account any grants or rebates that the user may be eligible for.
Stamp Duty
The calculator assumes that the user is an Australian resident or citizen, and does not take into account whether the property is owner-occupied or investment. The calculator only includes duty rates for properties with a value of up to $2 million.
Fees
Property transfer fees and mortgage registration fees are taken from the relevant state or territory land titles office websites as at April 2020.
Lender's Mortgage Insurance
The calculator estimates the amount of lender's mortgage insurance and includes it as an upfront cost, not as part of the loan.
Repayments
We assume that:
- Repayments are made on a monthly basis;
- The interest rate charge is divided equally over 12 monthly payments; and
- Interest is charged to the loan account at the same frequency and on the same day as the repayments are made.
Only your initial repayment amount is calculated. We assume that this repayment amount is payable for the loan term. In practice, repayment amounts can change for a variety of reasons.
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About the Property Purchase Costs Calculator
The Home Cost Calculator provides an estimate of the total cost of buying a home and taking out a home loan. It determines both the upfront and ongoing costs associated with a mortgage and home ownership.
Note:
- Exemptions and concessions on stamp duty may apply to first home buyers in some states.
- The QLD property stamp duty quoted applies to owner-occupiers only - investment properties are subject to different rates. QLD owner-occupiers may also be eligible for concessions on the mortgage stamp duty rates quoted.
- WA owner-occupiers may be eligible for concessions on the property stamp duty rates quoted provided the property value doesn't exceed $135,000. The WA mortgage stamp duty rates quoted apply to owner-occupiers only.
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Property buying costs calculator
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Mortgage repayment calculator
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Stamp duty calculator
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For home loans, the base criteria include a $400,000 loan amount over 30 years. These rates are only examples and may not include all fees and charges.
*The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes.
Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you.
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