Property purchase costs
Home Buying Costs Calculator
Itemised view of upfront costs to settle on an Australian home — state stamp duty + transfer fee + LMI estimate + inspections + conveyancing + lender fees + removal.
All states LMI included
01 —INPUTS
Property
Inspections
Settlement fees
02 —RESULTS
Stamp dutyState land transfer / FHB-adjusted
28,162.00
62%
Title transfer feeState registry fee
160.20
0%
LMI estimateLVR 84.0% — above 80% threshold (~2% of loan)
12,600.00
28%
Pest inspection
350.00
1%
Building inspection
500.00
1%
Conveyancing
1,800.00
4%
Lender fees
600.00
1%
Removal
1,500.00
3%
Total upfront45,672.20
Common questions
Is stamp duty the biggest upfront cost?
Almost always — for established (non-FHB) purchases above each state's concession cap, stamp duty is typically 60–80% of upfront costs. FHB concessions can dramatically reduce or eliminate this for buyers under each state's price threshold.
When does LMI apply?
LMI typically applies when the loan-to-value ratio exceeds 80% — i.e. deposit is less than 20% of the property price. The premium varies by lender and LVR; this calculator uses ~2% of loan as a conservative estimate.
What other costs should I plan for?
Beyond what's itemised here, plan for: building insurance from settlement, council rates apportionment, strata levies (apartments), utility connection fees, mortgage registration. These are smaller but add up to a few thousand more.