This calculator provides estimates only. It does not constitute financial advice. Assumptions are editable and results will change accordingly. Consult a licensed financial adviser before making property purchase decisions.

What Will It REALLY Cost to Buy?

Enter your details below. Results update as you type — no buttons, no waiting.

Settlement Day Cash $0 Everything you need on the day
Your Real Monthly Cost $0 Not just the mortgage

Settlement costs breakdown

Your deposit $0
Stamp duty $0
Lenders Mortgage Insurance (LMI) $0
Conveyancing $0
Government fees $0
Total settlement cash $0

Monthly costs breakdown

Mortgage repayment $0
Council rates $0
Water rates $0
Home insurance $0
Total monthly cost $0

Rate sources

Sources will appear here based on your postcode.

How we calculate your costs

We use real, sourced data — not rough estimates. Your postcode unlocks local council rates, water provider charges, and insurance zone data. Stamp duty is calculated using the exact NSW Revenue brackets. LMI uses industry-standard rate tables. Every number is transparent and editable.

Read our full methodology

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