Tools
Buying calculators
Duty, deposit, borrowing power, repayments, yield and cash flow — all free, all calculated in your browser, and each one shows the formula it used. Nothing leaves your browser unless you choose to save a scenario to your account.
Transfer (stamp) duty
The single biggest upfront cost after your deposit. Choose your state, and whether you qualify as a first home buyer.
Duty payable
$27,703
Duty without concession
$36,937
Concession applied
$9,234
NSW residential transfer-duty scale. Based on the published 2026-27 residential scales for NSW (verified against Revenue NSW) and the latest verified scales for other states. NSW First Home Buyers Assistance Scheme: New or existing homes up to $800,000 are exempt, with a concessional rate above $800,000 and below $1,000,000. Vacant land is exempt to $350,000 with a concession below $450,000. Your state revenue office is the only binding source — treat this as an estimate for budgeting.
Sign in to save these assumptions to your account.
Borrowing power and repayments
Lenders assess you at a rate above the one you'll actually pay. This shows both: what they'll lend, and what you'd really repay each month.
Indicative borrowing capacity
$763,708
Monthly surplus used
$6,200
Repayment at your rate
$4,628/mo
Assessed at
9.10%
Interest-only equivalent
$3,882/mo
Total interest over term
$902,383
Capacity = surplus × (1 − (1 + r)^−n) ÷ r, where surplus = income − living costs − other repayments, r is the monthly assessment rate (9.10% ÷ 12) and n is 360 months. Lenders also apply their own expense floors (HEM) and credit policy, so a broker's number will differ.
Sign in to save these assumptions to your account.
Deposit and upfront cash
What actually leaves your account on settlement — deposit, duty, legals, inspections and lenders mortgage insurance if your deposit is under 20%.
Deposit toward the price
$148,647
Loan required
$807,363
Loan-to-value ratio
84.4%
| Transfer duty | $27,703 |
| Lenders mortgage insurance | $6,010 |
| Conveyancing and legals | $1,800 |
| Building, pest and strata inspections | $900 |
| Land transfer and registration fees | $350 |
| Loan establishment fees | $600 |
Costs are deducted from savings first, then what's left becomes the deposit. LMI is estimated by LVR band (0% at or under 80%, then 0.75% / 1.65% / 3.1% / 3.8% of the loan) and capitalised into the loan. Legals, inspections and fees are typical market ranges, not quotes. At 6.10% over 30 years this loan would repay about $4,893 a month.
Sign in to save these assumptions to your account.
Rental yield and cash flow
Gross yield flatters every property. This shows the net position after vacancy, management, rates, insurance and maintenance — and the rate at which the property stops paying for itself.
Gross yield
3.94%
Net yield
2.98%
Weekly cash flow after interest
−$347
Break-even interest rate
3.73%
Gross yield = annual rent ÷ price. Net yield = (rent after 2 vacancy weeks − holding costs) ÷ price. Cash flow subtracts interest of $46,360 a year. Break-even rate is the interest rate at which net rent exactly covers interest — above it, the property costs you money each week. Figures are before tax, depreciation and any negative-gearing effect.
Sign in to save these assumptions to your account.
Offer modelling
Before you name a number, see what each rung of the ladder costs you in cash at settlement and per month for the next thirty years.
| Offer | Price | Deposit | Duty | Cash at settlement | Monthly |
|---|---|---|---|---|---|
| 3% below guide | $873,000 | $174,600 | $33,472 | $211,722 | $4,232 |
| At guide | $900,000 | $180,000 | $34,687 | $218,337 | $4,363 |
| 3% above guide | $927,000 | $185,400 | $35,902 | $224,952 | $4,494 |
Cash at settlement is deposit + duty + about $3,650 of legals, inspections and registration fees. Monthly figures are principal and interest at 6.10% over 30 years. A BuyDNA report adds the part this can't: what the evidence says the property is actually worth, so you know which rung is defensible.
Sign in to save these assumptions to your account.
These calculators are general information, not financial or legal advice. Duty scales and concession thresholds change: confirm the final figure with your state revenue office, and your borrowing capacity with a lender or broker.