Upfront Buying-Cost Estimator

LMI is estimated by LVR band; the calculator aggregates stamp duty, conveyancer fees, loan application + valuation, building & pest inspection, title & mortgage registration, and moving/renovation into a single upfront cash total.

Upfront Buying-Cost Estimator

Property price (AUD)

Deposit (%)

Stamp duty (AUD, use stamp-duty calculator)

Conveyancer / solicitor fees

Loan application / valuation fee

Building & pest inspection

Home & contents insurance (annual)

Moving & initial renovation budget

Deposits below 20% typically trigger LMI (Lenders Mortgage Insurance); the estimate here is by LVR band — actual premium follows the lender’s LMI table.

v/100,u=n-i,h=u/n*100,o=s(u,h),m=200,f=180,p=i+d+r+a+c+o+m+f+l,b=g;t.querySelector("[data-out]").innerHTML='

Total cash to buy '+e(p)+'

LVR '+h.toFixed(1)+"%, LMI estimate "+e(o)+" (zero if deposit ≥ 20%)

Deposit	"+e(i)+"
Stamp duty	"+e(d)+"
LMI (lenders mortgage insurance)	"+e(o)+"
Conveyancer fee	"+e(r)+"
Loan application + valuation	"+e(a)+"
Building & pest inspection	"+e(c)+"
Title + mortgage registration	"+e(m+f)+"
Moving & renovation	"+e(l)+"
Total one-off cost	"+e(p)+"
Annual holding (insurance)	"+e(b)+"

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How to use

Results refresh as you edit the fields — no need to press Calculate. Adjust any input to test alternative scenarios.

Notes

The lender's actual LMI table is final; this band estimate is for budgeting only.

Upfront Buying-Cost Estimator