Property Buying Costs

* Please use as a guide only.

ONE FINANCE AUSTRALIA

Property Buying Costs Calculator

Estimate the deposit, transfer duty and other upfront costs that may apply when purchasing property in Australia.

Property details

Enter the proposed purchase and deposit details.

State or territory

Property purpose

I may be eligible for a first-home buyer concession or exemption

Property purchase price $750,000

Deposit 20%

0% 25% 50%

Government charges

Add the applicable transfer duty and registration costs.

Transfer duty estimate

Use the official Queensland Revenue Office estimator, then enter the result below.

Open Official Calculator

Estimated transfer duty

Enter the result from the relevant official revenue calculator. Concessions and exemptions are not automatically applied here.

Transfer registration

Mortgage registration

Professional and property costs

Adjust these allowances to suit the purchase.

Conveyancing or legal fees

Building and pest inspection

Loan application and valuation fees

Insurance allowance

Moving and connection costs

Other upfront costs

Lenders mortgage insurance

Add an allowance where the deposit is below 20%.

Include a rough lenders mortgage insurance allowance

Estimated LMI allowance

LMI varies by lender, loan size, deposit and borrower profile. This allowance is illustrative only.

ESTIMATED COSTS

Your property buying estimate

Queensland

Estimated funds required upfront $0 Deposit plus estimated buying costs

Estimated buying costs $0 Excluding the purchase deposit

Purchase price $0

Deposit contribution $0

Estimated loan amount $0

Estimated loan-to-value ratio 0%

Transfer duty $0

Government registration fees $0

Legal and inspection costs $0

Loan, insurance and moving costs $0

LMI allowance $0

Add the applicable transfer duty amount to complete the estimate.

Upfront funds breakdown

Illustrative comparison of the deposit and estimated purchasing costs.

Suggested settlement buffer $0

This optional allowance is calculated at 1% of the property price to help account for adjustments or unexpected costs.

Discuss My Property Finance

Before relying on your estimate

Transfer duty, concessions, government charges and settlement adjustments vary by state, contract date, property type, buyer eligibility and transaction structure. Confirm all figures with the relevant state revenue authority, your conveyancer and your finance professional.

This calculator provides estimates for general information and illustrative purposes only. It does not automatically calculate transfer duty, first-home buyer concessions, foreign purchaser surcharges, grants, settlement adjustments, council rates, body corporate adjustments or every government charge. Lenders mortgage insurance is an illustrative allowance only and may differ materially from an actual lender premium. Results do not constitute financial, taxation, legal or credit advice, a credit assessment, an offer of finance or a guarantee of approval. Confirm costs with the appropriate revenue authority, conveyancer, insurer, lender and finance professional before purchasing property.

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Australian Credit License 546447.

ACN 664 898 846. ABN 69 664 898 846.

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The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.

‍¹There may be occasions where you may be charged a fee by your broker.

‍²Your broker is able to assess each lender's approval times and identify those that can provide approval quickly, however this is subject to change and can vary significantly based on how complex is your loan application and how quickly you’re able to provide the information we need.

‍³Not all lenders are available to all brokers. The exact details of the lenders your broker has access to is disclosed within the Credit Guide your broker gives to you when providing credit assistance or is available upon request.

‍⁴The way in which your broker will stay in touch with you will differ, however typically this will be via email. In addition you will be able to contact them for guidance as required. You are able to opt out of these communications at any stage.

** There may be occasions where you may be charged a fee by your broker.

Property Buying Costs