Buying and selling property
Property Buying Cost Calculator
Stamp duty, government fees, lender costs and the rest of the bills that arrive with a property purchase, in one total.
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- Rates checked
- 22 October 2026
Buying a
First home buyer
Property type
Foreign buyer
Buying costs on top of the price
$33,852
Cash needed with your $150,000 deposit: $183,852.
- Deposit$150,000(82%)
- Costs$33,852(18%)
- Stamp duty
- $27,937
- Registration fees
- $365.46
- Lender costs
- $0
- Other costs
- $5,550
Estimate only, based on the figures entered and the assumptions listed below. It is not a quote, an offer of credit or personal advice.
Every cost, itemised
Government charges are calculated for your state. The rest are the figures entered.
| Measure | Amount |
|---|---|
| Stamp duty | $27,937.00 |
| Mortgage registration fee | $182.73 |
| Transfer registration fee | $182.73 |
| Application and settlement fees | $0 |
| Valuation fee | $0 |
| Lenders' Mortgage Insurance | $0 |
| Conveyancing and legal | $1,800 |
| Building and pest inspection | $600 |
| Strata report | $0 |
| Building insurance from settlement | $1,500 |
| Removalist and moving | $1,500 |
| Connecting utilities | $150 |
| Rates and levies adjustment | $0 |
| Anything else | $0 |
| Total buying costs | $33,852.46 |
How this calculator works
The deposit is only part of the cash you need. Stamp duty alone can run to tens of thousands of dollars, and the smaller costs add up.
Government charges are calculated for your state. The other costs are typical figures to replace with your own quotes.
Assumptions
- Stamp duty and registration fees are calculated with the same rules as the stamp duty calculator.
- Every other figure is an editable estimate, not a quote.
- Lenders' Mortgage Insurance depends on the insurer and is left for you to enter.
Government rates, thresholds and fees were checked against official sources on 22 October 2026. They change, so confirm them before you rely on a figure.
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