1. Tools
  2. Funds to complete

How much cash do I need to buy this property?

Estimate your deposit, purchase costs and cash needed at settlement.

These are example figures

Change any of them and the answer updates straight away.

Start with what you know

Enter the price or your available funds, then choose a loan target.

What do you know?

Buying costs

Adjust the property, first-home relief and upfront costs.

Mortgage insurance

Choose how LMI is included in the estimate.

Cash required to complete

$193,805

Your answer

Cash required to complete

$193,805

Estimate at the selected purchase price

You need about $193,805 for the deposit and upfront costs.

Deposit toward the price
$160,000
Transfer duty after relief
$31,305
Base loan
$640,000
Funds left after completion
$6,195

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Cash needed at settlement

Deposit
$160,000
Transfer duty before relief
$31,305
Conveyancing
$2,500
Building and pest
$0
Registration and other costs
$0
Cash required
$193,805

Loan and insurance

Base loan to value
80.0%
LMI premium
$0
Duty on the LMI premium
$0
Total loan including capitalised LMI
$640,000

  • Transfer duty

    Shared ARI bracket table; ACT unsupported

    Same as A.R.I.

  • LMI

    ARI loan and LVR rate table, including ARI state premium duty

    Same as A.R.I.

  • Deposit and cash

    Price less the base loan, plus entered purchase costs and less any first-home grant

    Reference

  • Base LVR limit

    95% maximum base LVR; capitalised LMI may raise total LVR above 95%

    To confirm

  • First-home relief

    Entered amounts by default; optional snapshot-derived estimates require eligibility confirmation

    To confirm

  • NSW indicative relief

    Duty-free to $350,000 land / $800,000 home; tapers to $450,000 land / $1,000,000 home. New-home grant $10,000, price cap $600,000

    To confirm

  • VIC indicative relief

    Duty-free to $600,000; tapers to $750,000. New-home grant $10,000, price cap $750,000

    To confirm

  • QLD indicative relief

    New-home duty exemption; otherwise duty-free to $700,000 and tapers to $800,000. New-home grant $15,000, price cap $750,000

    To confirm

  • SA indicative relief

    New-home duty exemption; new-home grant $15,000 without a modelled price cap

    To confirm

  • WA indicative relief

    Duty-free to $350,000 land / $500,000 home; tapers to $450,000 land at 15.39% of excess / $700,000 home at 13.63% of excess. New-home grant $10,000, price cap $800,000

    To confirm

  • TAS indicative relief

    No duty concession modelled; new-home grant $20,000 without a modelled price cap

    To confirm

  • NT indicative relief

    New-home duty exemption; new-home grant $50,000 without a modelled price cap

    To confirm

  • Other purchase costs

    $2,500 default conveyancing allowance; other amounts entered, with no invented government fee schedule

    Reference

  • Estimate limit

    $100,000,000 maximum input and funds-only search price

    To confirm

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  • Save your scenarios

    Save this purchase funding scenario and return when the numbers change.

  • Start from your Portfolio

    Fills in your property purchase price, state, funding and entered costs from your Portfolio.

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