What will it cost to buy?

Estimate the government fees due at settlement, including stamp duty and transfer and mortgage registration fees, for any state or territory.

Start Calculating First Home Buyers

Calculator

Stamp duty and government fees.

Choose your state, purchase price and property type. Tick the boxes that apply to you to include concessions or surcharges.

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Budgeting For Your Purchase

Costs to plan for beyond the price.

Government fees are only part of the upfront cost of buying. Plan for these too.

Concessions

Stamp duty savings for first home buyers

First home buyers may pay less or no stamp duty. In NSW, the First Home Buyers Assistance Scheme offers exemptions and concessions up to set price limits. Tick home buyer concession in the calculator to include it.

Lenders Mortgage Insurance

LMI on smaller deposits

If you borrow more than 80% of the property's value, lenders usually charge Lenders Mortgage Insurance. Eligible first home buyers can avoid it with a 5% deposit under the First Home Guarantee.

Other Costs

Conveyancing, inspections and moving

Also budget for conveyancing or legal fees, building and pest inspections, loan application fees, insurance, council and water rate adjustments, and removalists.

Next Step

Know your full costs before you buy.

We can work out your deposit, government fees and any grants or concessions you are eligible for, then match you with a loan from our panel of 40+ lenders.

Talk to a Broker