Property Details
$
First Home Buyer
Applies stamp duty concessions where eligible
Deposit
10%
$50,000
⚠️ Deposit below 20% - Lenders Mortgage Insurance (LMI) applies. This can usually be capitalised into your loan.
ℹ️ SMSF loans require a minimum 20% deposit. LMI is not available for SMSF purchases.
ℹ️ Most Company/Trust lenders require a minimum 20% deposit. Some may allow 15% - confirm with your broker.
Include in Estimate
Buyer's agent fee
$17,000 + GST = $18,700
Building & pest inspection
Typical cost $500-$700
Cash buffer
Recommended 1.5% of purchase price
Minimum Cash Required
$0
Deposit + all upfront costs (excl. buffer)
Recommended (with buffer)
$0
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Book a Free Strategy Call →This calculator provides estimates for general informational purposes only. Stamp duty calculations are based on standard investor rates and may vary based on individual circumstances, exemptions, and current legislation. LMI estimates are approximate and will vary by lender. Always confirm costs with your solicitor, broker and lender before proceeding. This is not financial or legal advice.