Buying
Upfront purchase costs
The gap between "I have the deposit" and "I can settle" is where purchases fall over. This adds up duty, insurance, and the fixed costs that turn up on the same day.
Your numbers
750,000
150,000
Result
Cash needed beyond the deposit
$31,287
- Stamp duty
- $27,937
- Lender’s mortgage insurance, indicative
- $0
- Conveyancing and legals
- $2,200
- Building and pest inspection
- $800
- Transfer registration
- $350
- Loan required
- $600,000
- Total cash at settlement
- $181,287
At or below 80% of the property value, so none applies.
Not modelled for NSW: foreign purchaser surcharge, vacant land scales, and the $20 minimum duty. Thresholds are indexed to CPI each 1 July, so this table has a twelve-month life.
What this does not tell you · It excludes foreign purchaser surcharges, off-the-plan and pensioner concessions, strata disbursements, and any lender fee.
Put this on your own site
This calculator ships as part of a Finance OS build, on your brand and your booking link, so an enquiry that starts with a number ends in your calendar rather than on a bank’s website.