LCLoanChat.app

House Purchase Upfront Costs Calculator

Estimate the total cash you need to buy a property in Australia, including Stamp Duty, LMI, and other hidden fees.

Property Details
State
Buyer Type
Property Price
$
Your Deposit
$
Loan Value Ratio (LVR)
%
Total Cash Required
$193,159
(Deposit: $160,000 + Costs: $33,159)
Stamp Duty$30,735
Lenders Mortgage Insurance (LMI)$0
Govt. Transfer Fees$324
Conveyancing & Inspections$2,100
Fees Only$33,159
Deposit
Other Fees
Stamp Duty
Government Fees
Includes Stamp Duty, Transfer Fee, and Mortgage Registration Fee.
Service Fees
Estimated legal and inspection costs.

More Calculators For Every Property Decision

From rentvesting and tax to repayments and stamp duty, use core tools in one place with more calculators on the way.

πŸ“Š
Popular

Rentvesting Simulator

Compare 30-year wealth outcomes of buying vs renting + investing

Start Calculating β†’
πŸ’°
New

Negative Gearing Estimator

Estimate tax refunds on investment properties, see true after-tax holding costs

Start Calculating β†’
🏠
New

Basic Repayment Calculator

Calculate monthly repayments, compare P&I vs IO, view full amortization schedule

Start Calculating β†’
🏷️
New

Stamp Duty Calculator

Calculate stamp duty by state/territory, first home buyer concessions & foreign buyer surcharges

Start Calculating β†’
3 Languages
Supported Languages
30 Years
Year Projection
$2
Detailed Reports
100%
Calculator is Free

Ready to Make a Smart Decision?

Join thousands of Australians using AI to navigate the mortgage market with confidence.

Important Disclaimer

All content and calculator outputs on this website are provided for general information only. They do not constitute legal, financial, tax, or lending advice, and do not create any legally binding effect or financial commitment. For any transaction, legal, tax, or lending decision, you should consult a qualified licensed professional and rely on official documentation.