Buying costs calculator

The cash you need on the day: deposit, stamp duty, conveyancing, inspections and the rest.

$
%
Under 20% may attract lenders mortgage insurance.
Buyer
$
$
$

Cash needed up front

$162,230

Deposit
$130,000
Stamp duty
$29,580
Conveyancing
$1,500
Building & pest
$650
Other
$500
Total up front
$162,230
Loan amount
$520,000

How it’s worked out

Stamp duty uses the SA general scale, with first home buyer relief on new homes where selected.

Conveyancing, inspections and other costs are your own estimates; ask for quotes before you commit.

Lenders may charge their own fees, and lenders mortgage insurance can apply with a deposit under 20%.

Sources: RevenueSA — stamp duty and first home buyers

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