Calculate your upfront costs
Home loan type
Deposit required
Initial fee
Buyer's agent
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
Deposit required
$0
Initial payment
Starter fee
$22,000
*
Buyer's agent
Included
Loan size limit
Up to
$3 million
Stamp duty
$39,735
Transfer & mortgage registration fees
$331
Conveyancer or solicitor
$2,500
Building & pest or strata report
Included
Four reports cost
$0
Other standard home loans
20% deposit home loan
You'll need upfront
$243,666
Home loan type
80% LVR home loan
Deposit required
$200,000
Initial payment
LMI
$0
Buyer's agent
Not included
Loan size limit
N/A
Stamp duty
$39,735
Transfer & mortgage registration fees
$331
Conveyancer or solicitor
$2,500
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
LMI
$25,160
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
$2,500
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
LMI
$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
$2,500
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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Calculations are for buying owner-occupied homes, and do not apply to land nor to investment properties. Other fees and charges may also apply. 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. 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.