Buying and selling
Property Buying Cost Calculator
Add up stamp duty, government fees, lender costs and the other bills that come with buying a property.
The property
That is 80.0% of the price.
Property will be
You are buying
First home buyer
Lender costs
Ask your lender for a quote if you borrow more than 80%.
Other costs (estimates, replace with your quotes)
Buying costs on top of the price
$45,109
- Stamp duty
- $40,070
- Mortgage and transfer registration
- $1,989
- Lender costs
- $0
- Other costs
- $3,050
- Deposit
- $150,000
- Cash needed at settlement
- $195,109
Where the money goes
- Stamp duty and government fees$42,059 (93%)
- Lender costs$0 (0%)
- Other costs$3,050 (7%)
How this calculator works
- Stamp duty and land titles fees use the 2026-27 rates for your state, from our stamp duty calculator.
- Other costs are estimates. Replace them with your own quotes.
- Lenders mortgage insurance usually applies when you borrow more than 80% of the property's value. Ask your lender for a quote.
Results are general estimates only and are not credit, tax or financial advice. They do not take your objectives, financial situation or needs into account. Check the figures with a licensed professional before making a decision.
Related calculators
- Stamp Duty CalculatorFind out how much stamp duty you'll have to pay on a home.
- Borrowing Power CalculatorUse your details to estimate how much you could borrow.
- Property Selling Cost CalculatorFind out how much it will cost to sell your property and see where to save.
Start here
Buying a home? Have it insured by settlement.
Most lenders need building insurance in place before they release the funds. We compare home and contents cover from leading insurers and have it ready for settlement day.