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Property Buying Cost Calculator for Australia

Our Property Buying Cost Calculator takes the guesswork out by giving you a clear breakdown of these expenses upfront. With just a few details, you’ll know exactly what to budget for so you can step into your new home with confidence.

Smart Calculator. Clear Costs. Confident Decisions.

Understanding Property Buying Costs & How This Calculator Helps

When preparing to buy property, unexpected expenses can derail your plans. Beyond the deposit, there are extra charges like stamp duty, conveyancing fees, mortgage registration, lender’s mortgage insurance, and even inspection costs.

That’s where our calculator helps. Just enter your property details, and within seconds, you’ll see a complete estimate of upfront costs, tailored to your state or territory. This tool helps you plan ahead, avoid hidden surprises, and make informed choices about your property purchase.

Things you should know

Frequently Asked Questions

Your questions answered for stress-free property planning and buying.
Apart from your deposit, you’ll likely need to pay stamp duty, loan application fees, mortgage registration fees, legal or conveyancing charges, inspection costs, and lender’s mortgage insurance (LMI) if required. These costs can reach thousands, making it important to budget early.
The calculator adds key expenses such as duty, lender charges, and professional fees to estimate the total upfront cost. It saves you time by presenting all costs in one clear figure.
No. Many states offer grants or exemptions for first-home buyers, which may reduce or even eliminate stamp duty. However, other costs like conveyancing, inspections, and loan-related charges still apply.
No. Fees and thresholds differ from state to state. For example, New South Wales and Victoria have different stamp duty rates and exemptions. Our calculator accounts for these variations.
Yes—showing you the typical charges most buyers face helps you prepare financially. However, optional expenses like moving costs, renovations, or insurance are not included.
Some costs, like inspections and application fees, are due early in the process. Others, like stamp duty and conveyancing, are payable at settlement. Being aware of the timeline ensures you’re financially ready when required.
LMI is insurance that protects the lender if you default. It’s usually required when your deposit is less than 20% of the property value. The cost can be substantial (often 1–3 % of the loan amount), but sometimes it can be rolled into your mortgage.
On average, property buying costs in Australia can range between 5% and 10% of the property’s purchase price. This includes stamp duty (which varies by state), legal fees, inspections, lender fees, and insurance. For example, if you’re purchasing a $600,000 home, you could expect to pay an additional $30,000–$60,000 in upfront costs. Using a buying cost calculator helps you plan your budget accurately and avoid surprises at settlement.

All the Calculators You’ll Ever Need

Need more than just a cost breakdown? Use our free tools to calculate stamp duty, borrowing power, income tax, and loan repayments—all in one place.

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Ready to Find Out Your True Buying Costs?

Get a full estimate of your property buying expenses in just one click with our free, easy-to-use calculator.

Mortgage Broker in Point Cook

Credit Hub Australia

About the role

Join our dynamic team at Credit Hub Australia as a Finance/Mortgage Broker in our conveniently located Point Cook office, close to the freeway and train station, with free parking available.

In this role, you will be responsible for providing personalised mortgage solutions to our valued clients and also managing your colleagues by co-ordinating the allocation of files and general day to day running of the broker team. With a focus on delivering exceptional customer service, you will guide clients through the entire mortgage process, from initial application to final approval.

“Position is for Mortgage broker on commission/contract basis.”

What you'll be doing
  • You will develop and expand network with our help.
  • Sales, cold calling, and networking come naturally to you. You thrive on engaging with prospective clients to understand their unique financial needs and goals.

  • You will act on leads and existing database as provided and generate sales and ongoing relations.

  • Actively participate in team meetings and contribute to the overall success of the business

What we're looking for
  • You are an existing broker with proven experience in Mortgage Broking or lending abilities, or in a similar financial services role looking to take your career further with a successful Mortgage house.

  • In-depth knowledge of the Australian mortgage market, including products, policies, and regulatory requirements.

  • Excellent communication and interpersonal skills, with the ability to build lasting relationships and earn client trust.

  • A strong commitment to delivering outstanding customer service and consistently exceeding client expectations.

  • Self-motivated and capable of working independently, while also thriving in a collaborative team environment.

  • Relevant industry qualifications, such as a Certificate IV in Finance and Mortgage Broking.

  • Ability to manage multiple tasks, stay organized, and work reliably without supervision.

  • A results-driven mindset with a strong sales focus, coupled with exceptional work ethic, time management, and multitasking abilities.

What we offer

At Credit Hub Australia, we are committed to providing our team with a supportive and rewarding work environment. Some of the key benefits of joining our team include:

  • Competitive remuneration and performance-based bonuses
  • Ongoing training and professional development opportunities
  • Flexible work arrangements and a positive work-life balance
About us

Credit Hub Australia is a leading provider of mortgage and finance solutions, with a strong presence in the Point Cook in the Western Suburb of Melbourne and surrounding areas. Our mission is to empower our clients to achieve their financial goals by delivering personalised, expert advice and exceptional customer service. We are a dynamic and growing team, driven by a passion for helping our clients and making a positive impact on our local community. We are with Finsure as an agrregator Group. 

If you’re ready to take the next step in your career as a Mortgage Broker, apply now to join our team at Credit Hub Australia.

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