First Home Buyer Purchase Calculator
Estimate your upfront costs with first home buyer concessions
Purchase details
Deposit raised to the 5% minimum (max 95% LVR).
Other upfront costs
Standard stamp duty (no concession)
Your first home buyer saving
Loan amount
LVR
First home buyer stamp duty
Lenders Mortgage Insurance
Other costs
Total upfront costs
Cash to complete purchase
First home buyer rules vary and many are income- or eligibility-tested. Settings used (2026): NSW $0 to $800k (concession to $1m);
VIC $0 to $600k (to $750k); QLD established $0 to $700k (to $800k), new build $0; SA new build $0 (established = full duty);
WA $0 to $500k (to $700k); TAS established $0 to $750k (ends 30 Jun 2026); ACT $0 to $1.02m if income under $250k; NT new house-and-land $0,
established reduced by up to $18,601. Concessions between thresholds are estimated on a sliding scale. Estimates only — not financial,
tax, legal or credit advice. Confirm eligibility with your conveyancer, broker and state revenue office.