YOUR PERSONAL SCENARIO

Plan your upfront buying costs

Use a dated general duty reference or your confirmed duty quote, then add your own deposit and costs.

Starting amounts and rates are illustrative assumptions, not city market data or lender quotes. Edit them for your circumstances. All results are in AUD.

CityProperty type

Refreshing references…

Market references & source notes

City references refresh every five minutes while visible and on return. Publication periods can lag; a refresh does not mean a new observation.

Duty reference

State or territoryDuty calculation

Dutiable value ($)

Usually the higher of price and market value; confirm the applicable value with your revenue office.

Choose a valid state to see its duty reference.

First home buyer? Owner-occupier? Contract and settlement dates, residency, prior ownership, income and the property can affect eligibility. This calculator does not determine concessions or grants. Use your revenue office’s assessment or calculator, then enter the confirmed duty quote. Grants are not automatically treated as settlement cash.

Victoria eligibility calculator Queensland concessions and grants Tasmania concessions

Your upfront cash allowances

Deposit allocated to purchase ($)

Upfront lenders mortgage insurance ($)

Enter your lender’s quote. Starting at zero does not imply you are exempt. Exclude any amount financed in the loan.

Legal and conveyancing allowance ($)

Inspection, registration and other allowance ($)

Loan-to-value ratio: 80.0%. Confirm LMI and lending eligibility with your lender.

Complete the highlighted inputs and choose a state. Your deposit cannot exceed the property value.