Cash to buy
Every dollar you hand over on settlement day — deposit, duty, lender and professional costs — for whichever state you're buying in.
Coloured by who receives the money.
The deposit trade-off
A smaller deposit gets you in sooner but buys you a mortgage insurance premium and a bigger repayment for the next thirty years. Click a row to model it.
Take this into your next conversation
Print it as a one-page summary for your broker or conveyancer, or copy a link that reopens this exact scenario on any device.
General information only. Figures are estimates and not financial, tax, credit or legal advice. Duty is calculated on published state and territory rates for 2025–26 and does not account for every concession, exemption, off-the-plan arrangement or eligibility test — first home concessions in particular carry residence, income and prior-ownership conditions this page does not check. LMI is indicative only: the actual premium is set by your lender and insurer and may itself attract duty. Government registration and transfer fees vary by jurisdiction and price and are shown as editable defaults. Grants shown are the standard new-build amounts and are subject to their own eligibility rules. Confirm every figure with your conveyancer, broker and the relevant revenue office before you commit.