Cost of Buying - Back to Calculators Page

This calculator adds up all the major costs you'll pay on property purchases and mortgages.

Stamp duty calculations provided on this page are estimates only. Purchasers should consult their solicitor or the State Revenue Office in their capital city to confirm the rates before entering into any agreement.

Note: Please don't use commas, spaces or other non-numerical text in this calculator.

Step 1: Choose your state

 NSW  VIC  QLD  WA  SA  TAS  NT  ACT

Step 1: Choose your region

Step 3: Property and mortgage information
House price 
Mortgage amount 
Term of loan (years) 
Deposit amount 
Interest rate 
Loan to Value Ratio (LVR) 

Note: Most lenders require that your Loan to Value Ratio does not exceed 90 per cent.
Step 4: Enter your other costs if known
Conveyancing fees 
 rough range - $600 to $2500
Rates in this area per quarter 
 or use average rates

Removalist costs 
Home and contents premium (annual) 
Mortgage Application Fee 
 

Results

Upfront costs
Include
  
Deposit   
Stamp duty on loan   
Stamp duty on property   
Transfer fees   
Mortgage insurance   
Conveyancing fees   
Mortgage Application Fee   
Telephone connection   
Building report   
Pest report   
Removalist   

TOTAL   
Ongoing costs
Include
   weekly monthly yearly
Loan repayment 
Home & contents insurance 
Rates 
TOTAL 
 
 
Notes
  • Exemptions and concessions on stamp duty may apply to first home buyers in some states.
  • The QLD property stamp duty quoted applies to owner-occupiers only - investment properties are subject to different rates. QLD owner-occupiers may also be eligible for concessions on the mortgage stamp duty rates quoted.
  • WA owner-occupiers may be eligible for concessions on the property stamp duty rates quoted provided the property value doesn't exceed $135,000. The WA mortgage stamp duty rates quoted apply to owner-occupiers only.

Disclaimer: The above financial calculator is only a guide and National Pacific Finance takes no responsibility for the accuracy of these figures. Please seek independent financial advice before advancing further. Terms and conditions are applicable. Contact NPF on 1300 367 721.