Home Cost Calculator

This calculator adds up all the major costs you'll pay on property purchases and mortgages.
Stamp duty calculations provided on this page are estimates only. Purchasers should consult their solicitor or the Office of State Revenue in their capital city to confirm the rates before entering into any agreement.
Note: Please don't use commas, spaces or other non-numerical text in this calculator.
 

Step 1: Choose your state
 NSW  VIC  QLD  WA  SA  TAS  NT  ACT

Step 2: Choose a region

Step 3: Property and mortgage information
House price 
Mortgage amount 
Term of loan (years) 
Deposit amount 
Interest rate 
Loan to Value Ratio (LVR) 

Note: Most lenders require that your Loan to Value Ratio does not exceed 90 per cent.

 
Step 4: Enter your other costs if known
Conveyancing fees 
 rough range - $600 to $2500
Rates in this area per quarter 
 or use average rates

Removalist costs 
Home and contents premium (annual) 
Mortgage Application Fee 
   
 

 Results: Upfront costs

Include
      
Deposit   
Stamp duty on loan   
Stamp duty on property   
Transfer fees   
Mortgage insurance   
Conveyancing fees   
Mortgage Application Fee   
Telephone connection   
Building report   
Pest report   
Removalist   

TOTAL   


 Results: Ongoing costs

Include
   weekly monthly yearly
Loan repayment 
Home & contents insurance 
Rates 
TOTAL 
   
Note:
  • Exemptions and concessions on stamp duty may apply to first home buyers in some states.
  • The QLD property stamp duty quoted applies to owner-occupiers only - investment properties are subject to different rates. QLD owner-occupiers may also be eligible for concessions on the mortgage stamp duty rates quoted.
  • WA owner-occupiers may be eligible for concessions on the property stamp duty rates quoted provided the property value doesn't exceed $135,000. The WA mortgage stamp duty rates quoted apply to owner-occupiers only.