Home loan fees, upfront costs and stamp duty calculator

Keeping on top of any potential upfront costs when buying or selling your property is easy with our calculator. Use this upfront cost calculator to estimate non-standard costs such as stamp duty, Lender Mortgage Insurance (LMI) and home loan application fees. Want to understand a bit more about some of these fees?
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Upfront costs of buying a house FAQs

When you're buying a house, you'll need to take in to account costs like your deposit, stamp duty, bank and government fees, inspections, settlement agent fees and moving costs. Remember, if you're buying your first home, you might be eligible for government grants and concessions. Read more about the upfront costs of purchasing property.

Stamp duty is probably one of your largest upfront costs. It’s a state or territory government tax that’s charged for your legal documents to be stamped. Depending on your circumstances and where you live, you could get stamp duty exemptions or concessions when you buy your first home. The laws on stamp duty are always subject to change, so be sure to check your state or territory government’s housing website for the most recent information.

Stamp duty requirements are different in every state but your settlement agent will help you navigate them.

It's a type of home loan insurance to protect your lender's potential losses if you're unable to pay off the home loan. It doesn't cover home loan repayments if you're unable to meet the repayment obligations. It's a one-off fee you pay if you have a deposit less than 20% of the property value and is based on the value of the property, how much deposit you have and the total loan amount.​

Once you own a house, there are some ongoing costs you should budget for such as your mortgage repayments, annual loan fees, home and contents insurance, household utilities and maintenance costs.

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Handy guides to help you understand the numbers and make your home ownership journey simpler.

More home loan calculators

Use these mortgage calculators to guide you in your home ownership journey. Or, view all home loan calculators.

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Home insurance

Home insurance is essential when getting a home loan. We can arrange building and contents insurance through our partner CommInsure.

Take the next step

Talk to a Home Lending Specialist about the costs of buying or selling.