AusProperty.News Calculator
How much can you afford?
Work out your realistic borrowing power, or check the repayments on a specific price.
Your purchase
Property type matters: several states give first home buyers full duty relief on new builds only. Stamp duty is calculated on the standard owner-occupier schedule for your state.
Your income
$
$
Estimated take-home pay (combined, monthly)-
Take-home is estimated using 2026-27 resident tax rates plus the 2% Medicare levy. Enter 0 for partner if buying solo.
Your monthly commitments
$
$
$
Lenders count roughly 3.8% of your total card limits as a monthly commitment, whether or not you owe anything.
Deposit and loan
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%
yrs
Serviceability is assessed at your rate plus a 3 percentage point buffer, in line with APRA rules.
You could borrow up to
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assessed at your rate plus 3%
What that means for your price range
Est. max price
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Loan-to-Value
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Monthly repayment
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Deposit-
Stamp duty-
Lenders Mortgage Insurance (estimate)-
Other upfront costs (legal, inspections)-
Loan details
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5%95%
$
$
%
yrs
Est. stamp duty-
Est. Lenders Mortgage Insurance-
Total upfront cost (deposit plus costs)-
Your repayments
Monthly
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Fortnightly
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Weekly
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Principal borrowed-
Total interest over term-
Total repaid-
Estimates only, not financial or tax advice. Stamp duty schedules were verified against each state revenue office on 30 July 2026 and use the standard owner-occupier rates; duty is charged on the GST-inclusive price. Foreign buyer surcharges (7-9% depending on the state) are not included. Lenders Mortgage Insurance is a rough estimate that varies by lender and insurer. Borrowing power is a guide only, based on the details you enter. Speak to a licensed mortgage broker or your lender before making a decision.