The price is never just the price.
Stamp duty, government fees, conveyancing, inspections — the costs on top of the purchase price that your deposit also has to cover. Pick your state, set the price, and see the real number. First home buyer concessions included.
Matters more than you'd think — in some states, first home buyers pay zero duty on new builds at any price.
Where the upfront money goes
Assumptions behind this calculator
- Duty rates are held in a data file reviewed against official state revenue sources — the "last reviewed" date is shown above. States change rates and concessions at budget time, so always confirm with the official calculator (linked above) before exchanging contracts.
- First home buyer concessional zones use a close approximation; exact figures come from each state's own calculator. Eligibility rules (residence requirements, prior ownership, citizenship, and in the ACT an income test) always apply.
- Not included: foreign purchaser surcharges, first home owner cash grants, off-the-plan concessions, vacant land rates, lenders mortgage insurance, moving costs, and lender fees.
- Government fees are an estimate of transfer and mortgage registration fees, which vary with price in some states.
A calculator gives you a number. I give you a plan.
These tools use one set of assumptions. Lenders use forty different ones — and matching your situation to the right credit policy is usually worth far more than any online estimate. Twenty minutes, no cost, no obligation.
Things to know: these calculators are a guide only. Results are estimates based on the figures you enter and the assumptions stated on this page — they don't take into account all fees and charges, changes in interest rates, or your full personal circumstances, and they are not a loan offer, pre-approval, or credit advice. Every lender assesses applications differently, and your actual borrowing capacity, repayments and savings may be higher or lower. Before acting, consider whether the results are right for your situation — or better yet, talk it through with a broker. Wombat Home Loans is a Credit Representative of Loans Only Pty Ltd, Australian Credit Licence 561324.