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CALCULATOR

Upfront costs calculator

Estimates only · NSW · 2026/27 rates

Your numbers

Property price

Your savings

All the cash you have for the deposit and costs.

Buying

A home Vacant land

First home buyer?

No Yes

You and your partner have never owned a home in Australia.

Conveyancing

Ask a conveyancer or solicitor for a fixed-fee quote.

Building and pest inspection

Usually not needed for vacant land. Strata report for units.

Lender fees

Application, valuation or settlement fees. Many loans have none.

Other costs

Moving, insurance, utilities connection and the like.

Enter the property price and your savings to see your estimate.

Upfront costs $0

Deposit left $0

Stamp duty
Transfer and mortgage registration
Your other costs
Total upfront costs

Loan amount: $0
Loan to value ratio (LVR): 0%

Your savings have to cover more than the deposit. Stamp duty, registration fees, conveyancing and inspections all come out first. This shows what you'd have left for the deposit, how much you'd need to borrow and your LVR, which is the loan as a percentage of the property's value.

Check the official figures

Transfer duty rates and thresholds: Revenue NSW's current scale.
First Home Buyers Assistance Scheme: eligibility and thresholds.
First home buyer calculator: the exact duty if you qualify for a concession.
NSW Land Registry Services fees: transfer and mortgage registration fees.

What this doesn't include

Lenders mortgage insurance. If your LVR is over 80%, LMI may apply. It's often added to the loan rather than paid upfront. Our LMI guide explains it.
Foreign buyer surcharge. Foreign buyers usually pay extra duty. Use the stamp duty calculator for that.
Adjustments at settlement. You usually repay the seller for council rates, water and strata levies they've prepaid past settlement.
Grants. Any grant you qualify for isn't added to your savings here.

Questions, answered

How much deposit do I need?

Many lenders want 20% to avoid LMI. You can often buy with less if you pay LMI, and government schemes may let eligible buyers purchase with a smaller deposit and no LMI. Our deposit guide covers what lenders look at.

What is LVR?

Loan to value ratio. It's your loan as a percentage of the property's value. A $720,000 loan on a $900,000 home is an 80% LVR. Lenders use it to set LMI, and it can affect the rates and features you're offered.

When do I pay these costs?

Inspections are paid before you exchange contracts. A deposit, often around 10% though it can be less, is usually paid at exchange. Stamp duty, registration fees and the rest of the deposit are generally paid at or before settlement, usually through your conveyancer.

Can I borrow to cover the costs?

Usually costs come from your savings. Some lenders may let you borrow a little more if your LVR and borrowing power allow it, but that often means paying LMI or more of it.

More calculators

All home loan calculatorsRepayments, refinancing, offset and NSW stamp duty.See all →

Talk it through

Want to know if you're ready to buy? Book a chat, email ugur@demir.loans or call 0495 000 228. Free, no obligation.

This calculator gives estimates only, based on the figures you enter. Stamp duty uses Revenue NSW transfer duty rates for 2026/27 and First Home Buyers Assistance Scheme thresholds, and assumes the price is the dutiable value and that you meet any scheme's rules. Registration fees use NSW Land Registry Services 2026/27 fees, including GST. It doesn't include LMI. It isn't a quote, a credit offer or an indication that you'd be approved for a loan. It's general information only and doesn't take your objectives, financial situation or needs into account. No interest rates are quoted on this website.