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Start Calculating βMortgage Calculator Australia
Compare home-buying, stamp duty, repayment, tax, and deposit scenarios in one multilingual planning hub for Australia.
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.
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NewStamp Duty Calculator
Calculate stamp duty by state/territory, first home buyer concessions & foreign buyer surcharges
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Supported Languages
30 Years
Year Projection
$2
Detailed Reports
100%
Calculator is Free
Mortgage Planning in One Workflow
LoanChat brings core home-buying calculations into one place so buyers can make decisions with fewer blind spots. Instead of checking repayments, stamp duty, tax impact, and upfront costs in separate tools, you can compare them in one workflow and keep assumptions consistent across each scenario.
For practical planning, use the upfront costs calculator first, then test repayment sensitivity, and finally review tax and strategy outputs. This sequence helps identify cash bottlenecks early and reduces late-stage surprises before contract exchange.
- Compare borrower and investor scenarios with the same base assumptions.
- Validate cash required at settlement, not just monthly repayment.
- Cross-check strategy outputs with official government references.
Official References
Key assumptions on this page are grounded in Australian public guidance.
- According to MoneySmart (ASIC), buyers should budget for all upfront costs, not just the deposit.
- According to Services Australia, first home owner support is program-based and eligibility must be checked against current rules.
Reviewed: March 3, 2026
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.