Full upfront cost breakdown — stamp duty, LMI, grants, and legal fees for every Australian state.
New South Wales
Total upfront
$0
Excl. deposit: $30,485 needed at settlement
Cost composition
Effective cost
$780,485
Net stamp duty
$28,485
3.80% of price
LVR
80%
No LMI needed
Loan amount
$600K
20% equity
Estimates are indicative. Rates, concessions, and grants change frequently and may vary by buyer type, income, or property class. Always verify with your state revenue office and a licensed conveyancer or financial adviser.