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Home loan deposit, costs and stamp duty calculator

Wondering if you have enough for a home loan deposit? Use this calculator to estimate how much you’ll have left after stamp duty and other upfront costs.

More ANZ home loan calculators and tools

Calculate how much I could borrow

Get a quick estimate on how much you may be able to borrow based on your current income and existing financial commitments.

Free ANZ Property Profile Reportdisclaimer

Get a free ANZ Property Profile Report which includes a property price prediction.

Compare our home loans

Compare our home loan features, fees, rates and charges.

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How much do you really need for a house deposit?

Generally speaking, the bigger your home loan deposit, the better. But exactly how much do you need? This article will help you estimate how much you’ll need to save.

Smart ways to save for a deposit

The sooner you have a house deposit, the sooner you could move in to your very own home. We’ve put together some tips to help you get there ASAP.

Term deposits

Looking for more ways to save? Our term deposit accounts could help you reach your saving goals sooner.

* Annual package fee currently $395 and subject to change. Eligibility criteria and terms and conditions apply, including a minimum total mortgage lending requirement of $150,000. See ANZ Breakfree Terms and Conditions for details. ANZ Breakfree package benefits only apply while you maintain the package and meet ongoing eligibility criteria. Terms and conditions and fees and charges apply to products and services taken out in connection with an ANZ Breakfree package.

We have included the First Home Buyer concession based on your indication that you are eligible for the First Home Buyer concession and you are purchasing your principal place of residence. ANZ hasn't assessed your eligibility for the concession so if you're ineligible, you'll need to pay the full Land Transfer Duty, which could be very large.

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An ANZ Security Guarantee could help reduce your LVR to less than 80% and save you from having to pay LMI if you have a guarantor who agrees to accept the risks and obligations associated with entering into a guarantee. It is important to remember that if for some reason you default on your loan, ANZ can seek to recover from your guarantor.

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The maximum acceptable LVR before Lenders Mortgage Insurance is required depends on the type and location of the purchased property. The maximum LVR before Lenders Mortgage Insurance that is generally required is usually 80%. For some property types, LMI might be required when LVR is less than 80%.

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Property price information in an ANZ property profile report, such as a price prediction or price range, is an estimate, not a valuation. Property price information may not be available for all properties, is for personal domestic use only and may change daily. Actual sale prices may be different.

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