The FisCalc
PROPERTY ANALYSIS

Home Purchase
Cost Calculator

Every dollar you'll spend — upfront, on settlement, and every year after. Australian rates, no surprises.

// PURCHASE_DETAILS+
100 m²2,000 m²
First Home Buyer
Toggle on to see first home buyer concessions
Using a Buyer's Agent?
Professional negotiator / property searcher
// DEPOSIT+
5%50%
%
= $150,000
LVR (Loan-to-Value Ratio)80.0%
0% LVR80% threshold100%
// MORTGAGE+
Repayment / month
$3,675
Total Interest
$722,933
Loan Amount
$600,000
Total Repaid
$1,322,933
// TRANSACTION_COST_BREAKDOWN+
Stamp DutyQLD rates
$26,775
Conveyancing / SolicitorEstimated — get 3 quotes
$1,200
Building InspectionPre-purchase inspection
$650
Pest InspectionRecommended for houses
$400
Lender Establishment FeeVaries by lender
$800
Title Search & TransferGovernment fee
$250
Mortgage RegistrationGovernment fee
$180
Total Transaction Costs$30,255
// RUNNING_COSTS_AND_CASHFLOW+
Council RatesAnnual estimate
$1,700
Water RatesAnnual estimate
$1,200
Building & Contents InsuranceAnnual premium estimate
$1,525
Maintenance & RepairsAnnual budget (1–1.5% of value)
$3,870
Garden / Lawn CareAnnual estimate
$800
Total Annual Running Costs$9,095
Quarterly Cash Flow
Q1 (Jan–Mar)
Mortgage$11,024
Council Rates$850
Water$300
Insurance$1,525
Maintenance$968
Garden$200
Total Q1$14,867
Q2 (Apr–Jun)
Mortgage$11,024
Water$300
Maintenance$968
Garden$200
Total Q2$12,492
Q3 (Jul–Sep)
Mortgage$11,024
Council Rates$850
Water$300
Maintenance$968
Garden$200
Total Q3$13,342
Q4 (Oct–Dec)
Mortgage$11,024
Water$300
Maintenance$968
Garden$200
Total Q4$12,492
All figures are estimates based on publicly available rate schedules and typical industry ranges. Stamp duty concessions may vary — consult your solicitor. LMI estimates use standard Genworth/QBE rate cards and may differ from your lender's actual quote. Not financial advice.

Related Calculators

Cash Required at Settlement

$180,255
Deposit + all transaction costs
// UPFRONT_COSTS
Purchase Price$750,000
Deposit (20.0%)$150,000
Stamp Duty
$26,775
Other Transaction Costs$3,480
Total Cash Needed$180,255
// MORTGAGE_SUMMARY
Loan Amount$600,000
Rate / Term6.2% / 30yr
Repayment / month$3,675
Total Interest$722,933
// ANNUAL_OWNERSHIP_COST
Mortgage repayments$44,098
Running costs$9,095
Total / year$53,193
Per week (indicative)$1,023
// INSURANCE_ESTIMATES
Setup / valuation$425
Annual building & contents$1,525
Per quarter$381