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Funds position

How much cash do I need to buy?

Tell us the price and the loan, and we'll work out the cash you need up front — your deposit plus stamp duty, government charges and fees. Every figure is an estimate you can change; government charges vary by state and this is general information only, not financial, credit or tax advice.

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Cash you'll need

$180,120

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Cash you'll need up front

Approximately $180,120 up front

To buy at $750,000 with a $600,000 loan, you'll need approx. $180,120 up front — that's your deposit plus stamp duty ($27,937) and the other government charges and fees.

What this includes

  • Stamp duty plus the government and professional fees you entered
  • An LMI estimate when LVR is over 80%

What it doesn't include

  • Lender approval or your actual LMI premium (varies by lender)
  • Tax outcomes and ongoing loan repayments

LVR (how much you owe compared with the property's value) and LMI (a one-off insurance lenders usually charge when you borrow more than 80%, which protects the lender, not you).

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Example numbers — change any to make them yours
What should we work out?(The cash I need)

Pick the one figure you want us to work out. The other two you enter — cash, loan or price.

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Property age
Borrowing
$

Derived LVR: 80.0%

%
○ Estimated · RBA fallback + 2%
years
$
$
○ Estimated · Not applicable (LVR ≤ 80%)
$

Government charges & fees (indicative — edit per state)

Stamp duty & state fees verified as at 2026-06-02 · review by 2026-09-30

$
$
$
$
$
$
○ Estimated · Auto-calculated
$

Funds required

Property value$750,000
Stamp duty$27,937
Mortgage registration$167
Transfer fee$167
Total government charges$28,270
Legal / conveyancing$1,500
Other government / transfer fees$350
Total fees$1,850
Funds required$780,120

Funds available

Loan amount$600,000
Required cash contribution (auto-calculated)$180,120
Funds available$780,120

Add “cash you actually have” above to check whether you have enough.

Contribution needed to complete$180,120
Monthly repayment $3,733 (6.35% P&I over 30 yrs)

Want to compare two or three purchase scenarios side by side? Switch to Detailed view at the top.

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Guide only — not financial, credit or tax advice. Stamp duty is estimated from the standard state scale (first-home concessions applied only where toggled); mortgage registration and transfer fees default to the selected state's current figures (editable; SA/WA/VIC/QLD transfer fees scale with value — verify for higher-value purchases). This tool does not calculate any tax (including capital gains tax); for tax matters, ask your accountant.

Estimate only — general information, not financial, credit, or tax advice. Based on assumptions that may not reflect your actual outcomes; seek advice from a licensed professional.