Property Calculators
Free Australian property and home loan calculators. Plan your property purchase, investment, or refinancing with accurate local data.
Home Loan Calculator
Calculate mortgage repayments, total interest, and see your loan amortisation schedule. Compare different loan terms.
Stamp Duty Calculator
Calculate stamp duty for all Australian states and territories. Includes first home buyer concessions.
Rental Yield Calculator
Calculate gross and net rental yield on investment properties. Compare different investment opportunities.
Offset Account Calculator
See how much interest you can save with an offset account. Calculate the impact of your savings on your mortgage.
Extra Repayment Calculator
Calculate how much time and interest you can save by making extra repayments on your home loan.
Borrowing Power Calculator
Estimate how much you can borrow based on your income, expenses, and existing debts.
LVR Calculator
Calculate your Loan to Value Ratio. Understand LMI thresholds and deposit requirements.
Rent vs Buy Calculator
Compare the long-term financial outcomes of renting versus buying a property in Australia.
Debt Recycling Calculator
Calculate potential tax benefits from debt recycling your mortgage into investment loans.
Negative Gearing Calculator
Calculate tax benefits from negative gearing on investment properties.
Stamp Duty by State (First Home Buyers)
| State | FHB Threshold | Standard Rate | FHB Concession |
|---|---|---|---|
| NSW | $800,000 | 1.25% - 7% | Full exemption under $800k |
| VIC | $600,000 | 1.4% - 6.5% | Full exemption under $600k |
| QLD | $700,000 | 1.5% - 5.75% | Concession under $700k |
| WA | $430,000 | 1.9% - 5.15% | Full exemption under $430k |
| SA | $650,000 | 1% - 5.5% | Up to $15,000 relief |
| TAS | $600,000 | 1.75% - 4.5% | 50% discount |
Property & Mortgage Guides
First Home Buyer Guide 2025
Complete guide for first-time buyers
Offset vs Redraw
Which is better for you?
Debt Recycling Strategy
Turn bad debt into good debt
Save $50,000 on Your Home Loan
Proven savings strategies
Mortgage Stress Test Guide
How banks assess borrowing capacity
Save on Stamp Duty
State-by-state savings tips
Frequently Asked Questions
How much deposit do I need to buy a house in Australia?
Ideally 20% to avoid Lenders Mortgage Insurance (LMI). However, you can buy with as little as 5% through the First Home Guarantee scheme, or 2% through Family Home Guarantee. Use our Borrowing Power Calculator to see how much you can borrow.
What is stamp duty and how is it calculated?
Stamp duty (transfer duty) is a state tax on property purchases. Rates vary by state and property value, typically 1-6% of the purchase price. First home buyers often get concessions or exemptions. Use our Stamp Duty Calculator for accurate estimates.
How does an offset account save me money?
An offset account reduces the loan balance interest is calculated on. For example, with a $500,000 loan and $50,000 in offset, you only pay interest on $450,000. This can save tens of thousands over the loan term. See our Offset Calculator for your potential savings.
What is LVR and why does it matter?
LVR (Loan to Value Ratio) is your loan amount as a percentage of the property value. LVR above 80% typically requires LMI, and LVR above 90% means higher interest rates. Calculate yours with our LVR Calculator.