Property buying cost estimator
Estimate the true upfront costs of buying a property. From stamp duty to legal fees, so you can plan your budget with confidence.
Understand the true cost of buying property
It’s more than just your deposit — our tool helps you estimate all the key upfront expenses.
What This Calculator Covers
When buying a property, there are a number of costs to plan for beyond the purchase price. Our calculator helps you estimate:
• Stamp duty (based on state, buyer type, and property value).
• Legal & conveyancing fees.
• Lender’s Mortgage Insurance (LMI) if applicable.
• Loan application or bank fees.
• Government fees & registration costs.
• Building & pest inspections.
• Moving or settlement costs (optional estimate).
These costs can add up quickly. Knowing them upfront helps you avoid surprises and buy with confidence.
How much do i really need to buy?
Understanding your true upfront cost helps you:
• Set a more accurate savings goal
• Know if your deposit is enough
• Avoid delays or last-minute funding issues
• Compare multiple properties with a realistic lens
This is especially important for first home buyers, who may be eligible for government grants or stamp duty concessions.
Not sure how much you’ll need?
Book a free planning session with a kredi broker to get a full breakdown of what your purchase will really cost based on your location and loan.