Buying a home
Total upfront costs calculator.
The number that catches buyers out is rarely the deposit. It's everything else due in settlement week.
- 01Former commercial bankers
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That's $75,000.
Cash you'd need to complete
$89,525
Deposit plus the costs most buyers forget until settlement week.
- Deposit
- $75,000
- Transfer duty (estimated)
- $10,925
- Legal and conveyancing (typical)
- $2,000
- Building and pest (typical)
- $800
- Lender and government fees (typical)
- $800
- Loan amount
- $675,000
- LVR
- 90.0%
- Indicative LMI (usually added to the loan)
- $8,100
What could change this figure
- Your actual conveyancing and inspection quotes
- Whether you qualify for duty concessions or a government scheme
- The lender's specific fees and LMI premium
- Council and water rate adjustments at settlement
This is an estimate only, based on the figures you have entered and simplified assumptions. It is not credit advice, an offer of credit, or an indication that any lender will approve a loan. Legal, inspection and lender fees shown are typical ranges, not quotes. LMI is indicative only and varies significantly by lender and borrower profile.
How this is calculated
- Legal, conveyancing and inspection figures are typical ranges, not quotes.
- LMI is indicative only. Actual premiums vary substantially by lender, LVR and borrower profile, and are usually capitalised into the loan.
- Council and water rate adjustments at settlement are not included.
Free guide
The First Home Buyer's Plain English Guide
National edition
- What you can realistically borrow, and what lenders actually look at
- How much deposit you really need, and how LMI can sometimes be avoided
- The grants and concessions available, and who qualifies
- The upfront costs most first buyers forget until settlement
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