Estimate the full cash you need to buy — deposit, stamp duty by state, lenders mortgage insurance and settlement fees — not just the purchase price.
What this calculator estimates
The price on the listing is rarely the cash you actually need to settle. This tool brings the real upfront cost into one figure: your deposit, transfer (stamp) duty on the state scale that applies to you, an estimate of lenders mortgage insurance if you're borrowing above 80 per cent, and the conveyancing, inspection and registration fees that land at settlement. Enter the price, the deposit you intend to contribute, your state, and your other expected fees — the result updates as you type.
What drives the number
Two costs do most of the moving. Stamp duty is set by each state and territory on its own scale, so the same price attracts very different duty in Perth, Sydney or Melbourne — and first-home, off-the-plan and other concessions can cut it sharply. Lenders mortgage insurance is the other lever: it's triggered by your loan-to-value ratio, so a larger deposit that pulls you under 80 per cent can remove it entirely. Those are policy thresholds, not fixed facts — which is exactly where structuring the purchase earns its keep.
Use it as a starting point
Treat this as a planning figure, not a quote. The duty scales here are the current general owner-occupier rates and change periodically, and LMI is insurer-specific. Before you commit, the question worth answering is how to structure the deposit, the entity and the lender so the costs work for you. Book a strategy session and we'll run your real numbers.
General information only — not personal financial product or credit advice. The estimate is indicative and depends on each lender's policy, current rates, the relevant state revenue office's scales and your full circumstances. AeFin is an Australian Credit Representative (CR 464548) of Finsure (ACL 384704).