Calculate your upfront costs
Home loan type
Initial payment
Buyer's agent
Lender's mortgage insurance
Loan size limit
Stamp duty
Transfer & mortgage registration fees
Conveyancer or solicitor
Building & pest or strata report
Home loan type
Up to
100% LVR home loan
Initial payment
Starter fee
$22,000
*
Buyer's agent
Included
Lender's mortgage insurance
$0
That’s right - no costly LMI!
Loan size limit
Up to
$3 million
Stamp duty
$39,735
Transfer & mortgage registration fees
$331
Conveyancer or solicitor
Included
$0
Building & pest or strata report
Included
Four reports cost
$0
Other standard home loans
20% deposit home loan
You'll need upfront
$240,066
Home loan type
80% LVR home loan
Initial payment
Deposit
$200,000
Buyer's agent
Not included
Lender's mortgage insurance
$0
Loan size limit
N/A
Stamp duty
$39,735
Transfer & mortgage registration fees
$331
Conveyancer or solicitor
Not included
$1,500
Building & pest or strata report
Not included
Four reports cost
$1,600
10% deposit home loan
You'll need upfront
$168,326
Home loan type
90% LVR home loan
Initial payment
Deposit
$100,000
Buyer's agent
Not included
Lender's mortgage insurance
$25,160
Loan size limit
Up to
$1 million
Stamp duty
$39,735
Transfer & mortgage registration fees
$331
Conveyancer or solicitor
Not included
$1,500
Building & pest or strata report
Not included
Four reports cost
$1,600
5% deposit home loan
You'll need upfront
$139,196
Home loan type
95% LVR home loan
Initial payment
Deposit
$50,000
Buyer's agent
Not included
Lender's mortgage insurance
$46,030
Loan size limit
Up to
$1 million
Stamp duty
$39,735
Transfer & mortgage registration fees
$331
Conveyancer or solicitor
Not included
$1,500
Building & pest or strata report
Not included
Four reports cost
$1,600
Disclaimer
*Starter fee includes GST. The above does not include rate information. LMI rates are a rough guide based on Home Loan Experts' rate table. Actual LMI rates will differ from provider to provider. While conveyancing and building & pest/strata reports are not mandatory, they are standard parts of the home purchase process. The assumption is that multiple reports may be required. Total upfront cost does not include conveyancing or building & pest/strata reports.
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The calculator on this website is provided for your information only and is to illustrate scenarios. The calculator results are intended as a guide only and are an estimate or approximate guide only, based on the information you input. The calculator should not be relied upon for the purposes of entering into any legal or financial commitments.The results should not be taken as a substitute for professional advice, and do not constitute professional advice. You should consider seeking independent legal, financial, taxation or other advice for your unique circumstances.All reasonable care has been taken in preparing and designing the calculator; however, OwnHome Services Pty Ltd provides no warranties and makes no representation that the information provided by the calculator is correct, appropriate for your particular circumstances, or indicates you should follow a particular course of action. Calculations are for buying owner-occupied homes, and do not apply to land nor to investment properties. Other fees and charges may also apply.OwnHome Technologies Pty Ltd is a related body corporate of OwnHome Services Pty Ltd ACN 664 492 059, which is a corporate authorised representative (#547794) of Allied Financial Consulting Pty Ltd, ACL 393845.