Property Costs Calculator - Know Every Dollar Before You Buy
Property Details
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$100k$3M
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50%97%
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Property Cost Estimates
| Loan Details | |
| Security Value | -- |
| LVR | -- |
| Loan Amount | -- |
| Deposit Required | -- |
| Purpose | Owner Occupied |
| Interest Rate | -- |
| Loan Term | -- |
| Upfront Costs | |
| Stamp Duty (Indicative) | -- |
| Application Fee (Indicative) | -- |
| Valuation Fee (Indicative) | -- |
| Legal Fee (Indicative) | -- |
| Settlement Fee (Indicative) | -- |
| Exit Fee (On Discharge) | -- |
| LMI (Indicative) | -- |
| Conveyancer / Solicitor (Indicative) | -- |
| Total Upfront Costs (Excl. Deposit) | -- |
| Total Cash Required (Deposit + Upfront Costs) | -- |
| Repayments | |
| Monthly Instalment (P&I) | -- |
| Total Interest Payable | $763,847 |
| Total Amount Repayable | $1,363,847 |
This calculator provides estimates for illustrative purposes only. Actual repayments may vary. This does not constitute financial advice, a quote, or loan approval. Rovo Finance (NJ IT PTY LTD ABN 67 654 854 378) CCR 570633 of Broker ACL Pty Ltd ACN 681 761 375 (ACL 563763).
Stamp duty, LMI, lender fees, conveyancing and your deposit — calculated together in one place
Buying property in Australia involves far more than the purchase price. Stamp duty, lenders mortgage insurance, conveyancer fees, application costs, and your deposit all come out of pocket before you get the keys. This calculator brings every upfront cost together in one screen — across all eight states and territories, for owner-occupiers, investors, and first home buyers. Enter your property value, adjust your LVR and interest rate, and see a complete breakdown of what you will actually need to have ready on settlement day.
How to Use the Property Cost Calculator
Enter your details in the left panel — the summary on the right updates instantly as you type.- Security Value — the purchase price or estimated market value of the property.
- LVR — your loan-to-value ratio. The deposit required is calculated automatically. Learn more about borrowing power.
- Purpose and Buyer Type — owner-occupier, investment, standard, first home buyer, or foreign buyer. Stamp duty concessions are applied automatically for eligible first home buyers.
- State / Territory — stamp duty rates, registration fees and first home buyer thresholds vary by state. All 2025-26 rates are applied.
- Interest Rate and Loan Term — used to calculate your monthly repayment.
- Repayment Type — principal and interest or interest only.
- Advanced Options — open this section to edit individual fees (application, valuation, legal, settlement, conveyancer, exit fee) and to model a split loan or offset account.
What This Calculator Estimates
Stamp Duty (Indicative)
Transfer duty is charged by state and territory governments on the purchase of property. The rate depends on the purchase price, your state, whether the property is your primary residence, and whether you qualify for a first home buyer concession or exemption. This calculator applies the 2025-26 thresholds for all states including the updated Queensland first home buyer exemption up to $700,000. Use our dedicated stamp duty calculator for a standalone calculation.Lenders Mortgage Insurance (Indicative)
Lenders Mortgage Insurance (LMI) applies when your deposit is less than 20% of the property value (LVR above 80%). It protects the lender, not you, if you default. Premiums are calculated as a percentage of the loan amount and increase sharply above 90% LVR. This calculator uses indicative Helia/QBE rates for estimation purposes. Your actual premium will be confirmed by your lender.Application Fee (Indicative)
Most lenders charge an upfront application or establishment fee to set up your loan. This varies by lender and loan type. A Rovo Finance broker can identify lenders with low or no application fees for your situation.Valuation Fee (Indicative)
Lenders arrange an independent valuation of the property before approving your loan. The cost depends on the property location and lender.Legal Fee (Indicative)
Legal preparation costs associated with the loan documents, charged by the lender or their solicitors.Settlement Fee (Indicative)
A fee charged by the lender or their agent to manage settlement and discharge of any existing loans on the property.Conveyancer / Solicitor (Indicative)
A conveyancer or solicitor manages the legal transfer of property ownership. Costs vary by state and property complexity. This is separate from the lender’s legal fee and is paid to your own legal representative.Exit Fee / Discharge Fee (On Discharge) (Indicative)
Charged by your lender when you pay out or refinance your loan. This fee was banned on loans taken out after 1 July 2011, but may still apply to older loans or certain loan types. It is shown here for completeness and can be set to zero in the Advanced Options if it does not apply to your loan.Your next step starts here
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FAQs
How much does it cost to buy a house in Australia?
The total upfront cost of buying a property in Australia typically includes stamp duty, lenders mortgage insurance (if your deposit is under 20%), legal and conveyancing fees, lender fees, and your deposit. On a $750,000 property in NSW with an 80% LVR, upfront costs outside the deposit are typically $30,000 to $45,000. Use this calculator to get a figure specific to your state, property value and LVR.
What is stamp duty and how is it calculated?
Stamp duty, also called transfer duty, is a state government tax on property purchases. It is calculated on a sliding scale based on the purchase price. The rate and thresholds differ by state. First home buyers may qualify for a full or partial exemption in most states. This calculator applies current 2025-26 rates for all eight states and territories.
Do first home buyers pay stamp duty in Australia?
It depends on your state and the purchase price. Most states offer a full exemption or significant concession for first home buyers below a threshold. NSW exempts first home buyers on properties up to $800,000, and Queensland exempts first home buyers up to $700,000. Select First Home Buyer in the Buyer Type section above to see the concession applied to your estimate.
What is LMI and can I avoid it?
Lenders Mortgage Insurance (LMI) is charged when your deposit is less than 20% of the property value. It protects the lender if you default. You can avoid it by saving a 20% deposit, using a guarantor loan, or qualifying for the First Home Guarantee Scheme, which allows eligible first home buyers to purchase with a 5% deposit without paying LMI. LMI can be paid upfront or capitalised into your loan.
What is the difference between Total Upfront Costs and Total Cash Required?
Total Upfront Costs (excluding deposit) includes stamp duty, LMI and all fees - everything you pay at or before settlement, excluding your deposit. Total Cash Required is the full amount you need to have available on settlement day: your deposit plus all upfront costs. This is the number to focus on when planning how much you need to save.
Are these figures exact?
No. All figures are indicative estimates based on publicly available data and standard assumptions. Stamp duty is calculated using current published state government rates but may not account for all exemptions, surcharges or special circumstances. LMI premiums are based on indicative Helia/QBE rates and will vary by lender. Always verify your final costs with your broker, lender and conveyancer before proceeding.
Can I export or share this estimate?
Yes. Click the Copy button in the summary header. This copies a fully formatted two-column table that pastes cleanly into Excel or an email. Add a Title at the top of the calculator and it will appear as the heading in the exported table.