Home Buying Costs Calculator
Itemised view of upfront costs to settle on an Australian home — state stamp duty + transfer fee + LMI estimate + inspections + conveyancing + lender fees + removal.
01 —INPUTS
Property
Inspections
Settlement fees
02 —RESULTS
Stamp dutyState land transfer / FHB-adjusted
$27,937
70%
Title transfer feeState registry fee
$183
0%
LMI estimateLVR 84.0% — above 80% threshold (~1.1% of loan, incl. duty on the premium)
$7,100
18%
Pest inspection
$350
1%
Building inspection
$500
1%
Conveyancing
$1,800
5%
Lender fees
$600
2%
Removal
$1,500
4%
Total upfront$39,970
Common questions
Is stamp duty the biggest upfront cost?
Almost always — for established (non-FHB) purchases above each state's concession cap, stamp duty is typically 60–80% of upfront costs. FHB concessions can dramatically reduce or eliminate this for buyers under each state's price threshold.
When does LMI apply?
LMI typically applies when the loan-to-value ratio exceeds 80% — i.e. deposit is less than 20% of the property price. The premium varies by lender and LVR; this calculator uses ~2% of loan as a conservative estimate.
What other costs should I plan for?
Beyond what's itemised here, plan for: building insurance from settlement, council rates apportionment, strata levies (apartments), utility connection fees, mortgage registration. These are smaller but add up to a few thousand more.
Tax Accuracy & Sources
Reviewed: March 2026 · Tax year: 2026-27
This calculator is an estimate tool and may not cover all personal circumstances. For state-based taxes, confirm details with your state or territory revenue office.
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