Run the numbers before you take the next step
Get a feel for your repayments, borrowing power and stamp duty in seconds. These tools give indicative figures — for a precise, lender-specific answer, let’s have a chat.
Income Details
Commitments & Expenses
You may be able to borrow up to
$617,000
Calculated at 9.24% (your rate plus a 3% assessment buffer). Lenders apply different policies to overtime, rental and expenses — a chat gives you a real, lender-specific number.
Loan Settings
Monthly repayment
$3,998
Total interest
$789,257
Loan balance over time
Time to pay off
30 years
Total loan cost
$1,439,257
Property & Buyer Options
First-home concessions are modelled for VIC, NSW, QLD, WA and TAS. Other concessions (principal-place-of-residence, pensioner, off-the-plan, income-tested schemes) may also apply. Confirm current rates with the relevant State Revenue Office.
Estimated upfront duty & fees
$13,101
First-home-buyer concession saves you about $22,713 versus the general rate of $34,070.
Comparison Parameters
Projection over 10 years
Buying is ahead by
$103,059
Compares building home equity against investing the same money at your portfolio return. Highly sensitive to growth and return assumptions — treat it as a scenario, not a forecast.
Property Purchase Costs
Estimated fees & expenses
Total cash funds required
$196,398
Government registry fees are an estimate of land-transfer and mortgage registration. Actual costs vary by lender and property — I’ll help you plan the full cash-to-complete.
Results are general estimates only and don’t take your full circumstances into account, aren’t an offer of credit, and may differ from a lender’s assessment. Rates and duty schedules change. See our Disclaimer.
Want a real number, not an estimate?
Book a no-obligation consultation and I’ll give you a precise, lender-specific picture tailored to your goals.
