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Property buying cost calculator

When it comes to buying property, there are many costs to consider besides the purchase price. Expect to spend an extra 5% to 10% of the purchase price on upfront fees, duties and charges. Depending on your situation, you should also expect to add extra ongoing costs to your monthly loan repayments. What does this mean? You may need extra funds for upfront and ongoing costs. If you don’t have them, unexpected upfront expenses could eat into your deposit, pushing you into a higher interest rate, while unexpected ongoing costs could increase your monthly payments, and eat into your living expenses. Avoid unexpected shocks and surprises. It's better to know about upfront and ongoing costs now. Use the Property Buying Cost Calculator to see how much you’ll need before making a final offer on a property.

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Upfront cost


Outgoing Cost


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How to use our property buying costs calculator

Want to calculator the total property buying costs? It’s easy, simply use our handy tool.

Minimise your interest rate by maximising your loan deposit. Calculate how much deposit you will have after deducting upfront costs like stamp duty, transfer fees, mortgage registration fees, loan application fees, legal fees, lenders mortgage insurance, conveyancing, land taxes, strata search fees and moving expenses.

Avoid financial hardship by properly managing your monthly commitments. Decide if you can repay your monthly installments after adding regular ongoing costs like insurance, building and pest inspection, home and contents insurance and council rates.

Avoid financial hardship by properly managing your monthly commitments. Decide if you can repay your monthly installments after adding regular ongoing costs like insurance, building and pest inspection, home and contents insurance and council rates.

borrower comparing refinancing options borrower comparing refinancing options

What are the real costs of buying a home?

When people buy a property, they often don’t consider all the extra costs on top of the purchase price. This oversight could reduce your deposit and push you into a higher interest rate. Alternatively, it can push you into financial distress if monthly payments have to include unexpected ongoing costs.

Use our Property Buying Cost calculator to quickly factor all the costs of buying a property into your budget planning, then use it as a checklist to avoid upfront cost surprises and manage ongoing expenses.

Property Buying Costs FAQs

Yes. Upfront costs, along with the home purchase price, can be factored into your home loan. Just bear in mind this will reduce the percentage value of your deposit, which may trigger other considerations.

For example, $100,000 may equal 20% deposit on a $500,000 purchase price, but it becomes less than 20% deposit if you add upfront costs to the purchase price. This may affect a few things, like the eligible interest rate or lenders mortgage insurance. One remedy to such side effects is to top up your deposit.

Need help understanding fees? Research the navigating home loan fees guide or call us for a real chat.

Yes, in most cases, lenders mortgage insurance (LMI) can be avoided if your deposit exceeds 20%, but if you capitalise upfront costs into your home loan then your deposit may fall below 20% and trigger LMI.

For more details, read the lenders mortgage insurance article or call us for a real chat.

Yes, in most cases, you will need to pay stamp duty, but it varies state by state and property value. It may even be exempt in some instances or you could get a grant towards it in others.

To learn about stamp duty, research the stamp duty explained guide or call us for a real chat.

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