Please enter the amount of money you would like to put towards your home loan deposit. This could include funds in your savings account, any shares you may have and/or term deposits.

$120 plus $2.00 for every $100 or part of $100
over $12,000

Exceeds $30,000 but not $50,000

$480 plus $3.00 for every $100 or part of $100
over $30,000

Exceeds $50,000 but not $100,000

$1,080 plus $3.50 for every $100 or part of $100
over $50,000

Exceeds $100,000 but not $200,000

$2,830 plus $4.00 for every $100 or part of $100
over $100,000

Exceeds $200,000 but not $250,000

$6,830 plus $4.25 for every $100 or part of $100
over $200,000

Exceeds $250,000 but not $300,000

$8,955 plus $4.75 for every $100 or part of $100
over $250,000

Exceeds $300,000 but not $500,000

$11,330 plus $5.00 for every $100 or part of $100
over $300,000

Exceeds $500,000

$21,330 plus $5.50 for every $100 or part of $100
over $500,000

Stamp Duty - Foreign Purchaser: From 1 January 2018, the foreign purchasers are required to pay a foreign ownership surcharge of 7% of the value of the interest in residential land.

Mortgage Registration Fee: $173.00

Land Transfer Fee: from 1 July 2020:

Property Value

Fee

$0 - $5,000

$173.00

$5,000 - $20,000

$193.00

$20,000 - $40,000

$212.00

$40,000 - $50,000

$298.00

Above $50,000

$298.00 + 88.00 / 10000

First Home Owner Grant: FHOG is $15,000 for first home owners who build or purchase a brand new home.

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It does not take into account any possible up-front fees, ongoing fees, LMI and end of loan fees (i.e. discharge costs).

Interest rate does not change over the loan term.

Interest is calculated by compounding on the same repayment frequency selected, i.e. weekly, fortnightly, monthly. In practice, the interest compounding frequency may not be the same as repayment frequency.

It is assumed that a year consists of 26 fortnights or 52 weeks which is counted as 364 days rather than 365 or 366 days.

No rounding is done throughout the calculation whereas repayments are rounded to at least the nearest cent in practice.