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Australian Property Buying Calculator

See the cash you need on settlement day and what your repayments will look like. Nothing you enter leaves your browser unless you choose to share your link.

All calculations happen in your browser. Nothing you enter is sent anywhere unless you choose to share your link.

1

The property

Where it is and what you're paying.

$
State or territorySets the stamp duty
Property type
2

The buyer

This decides which concessions and surcharges apply.

I'm buying as
3

The loan

Deposit, loan length and the interest rate you expect.

LVR 80.0% · $170,000
%
Years
yr
Variable, per year
%

Cash needed to settle

$207,802

for a $850,000 purchase in NSW, in cleared funds

Monthly repayment

$4,187

Loan amount

$680,000

LVR 80.0%

Total interest

$827,276

over 30 years

Stamp duty

$32,437

NSW · Owner-occupier

Deposit20% of price$170,000
Stamp dutyNSW · Owner-occupier$32,437
Foreign buyer surchargeNot applicable$0
Mortgage registrationGovernment charge$183
Transfer registrationGovernment charge$183
Lender's mortgage insuranceNot needed at 80% LVR or less$0
Conveyancing and legal$1,800
Building and pest inspection$600
Loan application and fees$600
Rates and water adjustment$500
Moving and utilities$1,500
Total cash needed$207,802

Repayments over time

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