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  • Stamp DutyEstimate stamp duty across all Australian states and territories, with first home buyer concessions and foreign buyer surcharges.
  • Mortgage RepaymentEstimate monthly, fortnightly, and weekly repayments for principal-and-interest and interest-only loans.
  • Borrowing PowerEstimate how much you could borrow based on income, expenses, debts, and deposit.
  • First Home Owner GrantCheck your FHOG eligibility and see estimated grant amounts across every Australian state.
  • Deposit SavingsProject how long it will take to reach your deposit goal based on savings and monthly contributions.
  • Rental YieldCalculate gross rental yield on investment properties to compare potential returns.
  • Purchase CostsEstimate total upfront costs including stamp duty, legal fees, inspections, and loan fees.
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Purchase Costs Calculator

Estimate the total upfront costs when buying a property in Australia. Get a detailed breakdown of stamp duty, conveyancing fees, building inspections, and loan establishment costs.

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    These are estimates based on industry averages. Actual costs vary by provider, property type, and location. Always obtain quotes from service providers for accurate pricing. Rates current as of March 2026.

    How this calculator works

    1. 1

      Select your state or territory

      Stamp duty makes up the bulk of upfront costs and varies dramatically between states, so this selection has the biggest impact on the result.

    2. 2

      Enter the property purchase price

      Enter the contract price. The calculator uses this to estimate stamp duty, loan fees, and inspection costs.

    3. 3

      Choose your buyer type

      Select first home buyer, upgrader/owner-occupier, or investor so the calculator applies the correct stamp duty rate and any concessions.

    4. 4

      Enter your loan amount

      Enter how much you'll borrow. The calculator estimates loan establishment, valuation, and LMI costs (where applicable) based on your loan-to-value ratio.

    5. 5

      Review the cost breakdown

      See itemised estimates for stamp duty, conveyancing, inspections, loan fees, and council adjustments. Use this to plan how much cash you need at settlement, separate from your deposit.

    Frequently asked questions

    What upfront costs am I likely to forget when buying?

    Beyond the deposit and stamp duty, common forgotten costs include: building and pest inspection ($400–$800), conveyancing or solicitor fees ($1,500–$3,000), loan application and valuation fees ($500–$1,500), Lenders Mortgage Insurance if your deposit is under 20%, council and water rate adjustments at settlement, and moving costs. This calculator includes the major items so you can budget accurately.

    What's the difference between a conveyancer and a solicitor?

    A conveyancer is a licensed property transfer specialist (cheaper, focused on property transactions). A solicitor is a qualified lawyer who can also handle conveyancing (more expensive, but better for complex situations or contractual disputes). Most standard residential purchases use a conveyancer.

    How much should I budget for building and pest inspections?

    A combined building and pest inspection report typically costs $400–$800 in metropolitan areas, more for larger or rural properties. It's a small cost that can save you from buying a property with major structural problems, termite damage, or hidden defects. Don't skip it.

    What are council rates adjustments at settlement?

    Council rates and water rates are paid in advance for the year. At settlement, the seller is reimbursed for any portion of the rates they've already paid that covers the period after settlement (when you'll own the property). It's typically a few hundred to a couple thousand dollars depending on timing.

    Can I add purchase costs to my home loan?

    Inputs

    Calculate Your Purchase Costs

    Get a detailed breakdown of stamp duty, conveyancing, inspections, and loan fees — so you know exactly how much cash you need at settlement.

    Results

    Your Estimated Purchase Costs

    Upfront cost breakdown

    Fill in the property details to see the full cash you need at settlement — beyond the deposit — and which costs dominate.

    You'll see
    • Total upfront costs on top of your deposit
    • Donut chart showing where the money goes
    • Stamp duty vs conveyancing, inspection, and loan fees

    Some lenders let you capitalise certain costs (like LMI) into the loan, but most upfront costs — stamp duty, conveyancing, inspections — must be paid from your own funds at settlement. Plan to have these costs available in cash, on top of your deposit.