Property Purchase Cost Calculator
Estimate the cash needed to buy a Victorian home, including your deposit, stamp duty and fees. See your monthly home loan repayment in the same estimate.
Example estimate
Cash still to budget
$194,570
- Estimated mortgage repayment
- $3,597.30/mo
- Estimated stamp duty
- $40,070
- Other upfront costs
- $4,500
- Total cash needed including deposit
- $194,570
- Estimated loan amount
- $600,000
This estimate uses the figures shown. For financial product decisions, consider advice from a licensed financial services provider.
How this estimate works
The model uses the higher of the purchase price and market value for stamp duty and assumes a principal-and-interest loan with a constant rate. Enter the fees quoted to you, including any lenders mortgage insurance paid upfront. The cash figure includes upfront costs whether you pay them before or at settlement. Use the official duty calculator if a special concession or foreign purchaser duty applies.
Example amounts illustrate the calculation. Replace them with your own figures or quotes.
How much cash do I need to buy a house in Victoria?
Add your deposit, Victorian stamp duty, transfer and mortgage registration fees, and any conveyancing, inspection and lender costs. Subtract the deposit you have already paid to see how much cash remains to cover the purchase.