Deposit Boost Loan upfront cost calculator

OwnHome is reducing the upfront costs of home ownership by up to 10X and slashing the time it takes to save from 6-10 years to one, so more Australians can get onto the property ladder and start building wealth sooner

Use our calculator to see how OwnHome's Deposit Boost Loan stacks up again traditional home loan deposit options.
Last updated June 2023
Calculate your upfront costs
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Purchase price cannot be empty.

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Home loan type
Deposit required
Initial fee
Buyer's agent
Buyer's agent
To help customers find the right property at the right price, all Deposit Boost Loan customers, no matter their budget or deposit contribution, are assigned a personal Buyer’s Agent.
Loan size limit
Stamp duty
Transfer & mortgage registration fees
Conveyancer or solicitor
Building & pest or strata report
OwnHome Deposit Boost
You'll need upfront
$64,066
Get started
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Home loan type
Up to
100% LVR home loan
Deposit required
$0
Initial payment
Starter fee
The upfront cost to get started with OwnHome. Includes GST.
$22,000
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Buyer's agent
Buyer's agent
To help customers find the right property at the right price, all Deposit Boost Loan customers, no matter their budget or deposit contribution, are assigned a personal Buyer’s Agent.
Included
Loan size limit
Up to
$3 million
Stamp duty
$39,735
Transfer & mortgage registration fees
$331
Conveyancer or solicitor
Not included
$2,000
Building & pest or strata report
Included
Four reports cost
$0
20% deposit home loan
You'll need upfront
$243,666
Home loan type
80% LVR home loan
Deposit required
$200,000
Initial payment
$0
Buyer's agent
Not included
Loan size limit
N/A
Stamp duty
$39,735
Transfer & mortgage registration fees
$331
Conveyancer or solicitor
Not included
$2,000
Building & pest or strata report
Not included
Four reports cost
$1,600
10% deposit home loan
You'll need upfront
$168,826
Home loan type
90% LVR home loan
Deposit required
$100,000
Initial payment
$25,160
Buyer's agent
Not included
Loan size limit
~$1 million
Depends on lender
LMI loan amount caps may vary. Helia, which provides the majority of LMI in Australia, caps at $1 mil.
Stamp duty
$39,735
Transfer & mortgage registration fees
$331
Conveyancer or solicitor
Not included
$2,000
Building & pest or strata report
Not included
Four reports cost
$1,600
5% deposit home loan
You'll need upfront
$139,696
Home loan type
95% LVR home loan
Deposit required
$50,000
Initial payment
$46,030
Buyer's agent
Not included
Loan size limit
~$1 million
Depends on lender
Stamp duty
$39,735
Transfer & mortgage registration fees
$331
Conveyancer or solicitor
Not included
$2,000
Building & pest or strata report
Not included
Four reports cost
$1,600
Disclaimer
*Starter fee shown 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 includes assumed costs for conveyancing and building & pest/strata reports.
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