True Cost to Buy a House Calculator
Buying isn’t just the deposit. Enter the property price once and see every upfront cost stacked into the real cash you’ll need, deposit, stamp duty, LMI, conveyancing, inspections and your first year of repayments.
Enter the property price once. Toggle the costs that apply, the total is the real cash and first-year outlay to buy.
💰 Ways to save across your project
- A 20% deposit avoids LMI entirely, toggle the deposit to 20% to see the saving.
- First home buyers may pay little or no stamp duty under their state’s threshold, a broker confirms eligibility.
- Shopping the loan rate barely changes upfront costs but massively changes the first-year repayments line.
How we estimate this
The deposit is only part of buying a home. Stamp duty, lenders mortgage insurance, conveyancing, building and pest inspections and bank fees all hit upfront, and the first year of repayments is the next reality. This tool stacks them all from a single property price so you can see the true cash needed.
Pricing reviewed: October 2026.
Understanding true cost to buy a houses in Australia
The deposit is only part of buying a home. Stamp duty, lenders mortgage insurance, conveyancing, building and pest inspections and bank fees all hit upfront, and the first year of repayments is the next reality. This tool stacks them all from a single property price so you can see the true cash needed.
The two biggest levers are your deposit size (20% removes LMI) and first-home-buyer status (which can slash or waive stamp duty). A broker confirms your exact position, but seeing the full stack first means no nasty surprises at settlement.
Frequently asked questions
What are the real upfront costs of buying a house?
Deposit, stamp duty, lenders mortgage insurance (if under 20% deposit), conveyancing, building and pest inspections, and bank fees, plus your first year of repayments. This tool combines them all.
How can I reduce the upfront cost of buying?
A 20% deposit avoids LMI, and first home buyers may pay little or no stamp duty under their state threshold. A broker confirms what applies to you.
Are you a mortgage broker?
Everyone on this page is working out what true cost to buy a house costs because they are ready to hire. Put your business right beneath the calculator, in your state, so you are who they find. From $1,000/mo.