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Home deposit and upfront costs calculator

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

Get 300,000 Qantas Points when you apply or switch to an eligible ANZ home loan

Take off to Rome, Honolulu or more dreamy destinationsdisclaimerwith 300,000 Qantas Points when you apply or switch to a new eligible ANZ home loan of $300k or more and LVR 80% or less.disclaimer

The best bit? Come home to discounted home loan rates on eligible loans from ( comparison rate).disclaimer

See where 300,000 Qantas Points could take you

Your deposit and stamp duty questions answered

Most home loans can fund up to 85-95% of the value of your property, which means you’ll need a minimum of up to 5-15% as a home deposit. However, there may be benefits in saving a larger home deposit. For example, if you borrow more than a certain level (commonly 80% of the value of the property you’re using the loan to buy), you might have to pay lender’s mortgage insurance (LMI). This can add a sizeable amount to your overall costs. 

Generally, the more you have as a home deposit, the less you’ll need to borrow and the lower your monthly repayments. Find out how much you really need for a house deposit.

If you already own a property, you might want to consider using the equity you’ve built up in that property to help with your deposit.

Find out more about home loan deposits and get tips on how to save for a deposit.

  

Stamp duty or land transfer duty is the tax that you pay when buying a property. 

Generally, when buying land in any state or territory in Australia, which may include buildings (such as a family home on a suburban block), you will need to pay stamp duty to the government. The amount of stamp duty depends on which state or territory the property is in and the property value.

Find out more about stamp duty and how it could affect you.

You can estimate how much stamp duty you might have to pay using our stamp duty calculator.

  

Generally, the cheaper the property, the less stamp duty you’ll pay. But there are other variables that could impact your stamp duty bill. 

What’s more, each state and territory has its own rules for how to calculate stamp duty – and some are more complex than others. 

To get an idea of how much stamp duty you’ll need to pay, you should find out the rules that apply in your state or territory, or check with your solicitor or conveyancer. Or get an estimate the easy way with our stamp duty calculator.

  

The amount of stamp duty payable depends on which state or territory the property is in and the property value. Each state and territory has its own rules for how to calculate stamp duty – and some are more complex than others.

To get the latest stamp duty information for your state or territory, choose your location:

When working out how to calculate stamp duty, you could also check with your solicitor or conveyancer or get an estimate with our stamp duty calculator.

 

In some states and territories, there may be stamp duty exemptions and concessions for eligible first home buyers, or for seniors and pensioners. There might also be concessions based on the value of the property purchased or the buyer’s annual income.

Just be aware that each state and territory has its own rules for calculating stamp duty and offering exemptions and concessions. Check with your solicitor or conveyancer if you’re eligible for a stamp duty exemption or concession.

 

Yes, there is stamp duty on land. 

When you buy an existing house, you pay stamp duty based on the value of both the land and the house. 

When you’re building a new house, you pay stamp duty based on the value of the land you buy. You don’t have to pay stamp duty on the house you then build, which could be a substantial saving.

Our stamp duty calculator could help you estimate your stamp duty costs based on the value of the property. 

 

In some states and territories, you may be able to save on stamp duty when you buy off the plan because you’re buying a new property before it’s actually been constructed. 

This can vary depending on which state or territory the property is in, whether you’re purchasing a home or an investment property, and your particular contract. 

Check with your conveyancer or solicitor about the stamp duty owed, whether any concessions are available, and when it must be paid.

  

Generally, stamp duty applies whether you’re buying a primary home, a holiday home or an investment property. 

Each state and territory has its own rules for how to calculate stamp duty, so to get an idea of what you’ll need to pay, you should find out the rules that apply in your state or territory.

Use our stamp duty calculator to help you estimate the stamp duty costs based on the value of the property. 

 

Extra tips and tools to help you buy a home

Home owner tips and guides

Get practical tips to help you in your property journey, whether you're just starting out, ready to buy, or trying to sell. 

Get tips now

  

Tools and calculators

Repayments calculator

Borrowing power calculator

Deposit and stamp duty calculator

Understand your expenses

  

Free ANZ Property Profile Reportdisclaimer

Get detailed property and suburb information to help you plan and be more informed when buying, selling or refinancing.

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Getting serious about house hunting?

ANZ has partnered with LandingPad,disclaimerthe app for prospective homebuyers, to help guide you home when buying property.

  • Built to assist with buying, not just browsing
  • Personalised insights at your fingertips
  • Stay organised through your house hunt

Download the free app

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Get started in just 5 minutes. Apply for pre-approvaldisclaimer, a new home loan or to refinance or top up your existing ANZ home loan.

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How much do you really need for a house deposit?

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It depends on a range of factors – from how much a lender is willing to lend to you, to whether you’re willing to pay a little more on the loan.

 

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Costs of buying a home

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Stamp duty, conveyancing or legal fees, insurance, moving costs. There’s more to buying a house than the purchase price. Understand the costs of buying a home.

  

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What is stamp duty and how does it affect you?

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Stamp duty could have an impact when buying a house and it can help to know what’s involved. Learn how it could affect your first home purchase. 

  

Important information

We've included the First Home Buyer or other property concessions based on the information you have provided regarding your property purchase and on the assumption that you will be eligible for the concession. For information regarding the concessions which may be available in your state and details of the eligibility criteria, please refer to the relevant government website.

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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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Examples are a guide only and subject to change. Equivalent value based on a sample of the Qantas Frequent Flyer Rewards that could be obtained by redeeming through the Qantas Frequent Flyer program and will vary depending on how and when points are redeemed. Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. The Qantas Points, taxes, fees and carrier charges stated are accurate as at 5 May 2022 but may vary at the time of booking. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. Visit Classic Flight Rewards for more information.

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Eligibility criteria, terms and conditions, fees and charges apply. This offer is only available if you apply between 10 June 2022 and 19 August 2022 and if approved, settle by 31 January 2023. Only one 300,000 Qantas Points offer can be claimed by any one person. Only the first person to successfully claim on joint loans will be awarded Qantas Points. Qantas Points credited within 60 days after valid claim form redeemed with ANZ following loan settlement. See full Terms & Conditions (PDF 124kB).

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The rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount for loans with a Loan to Value Ratio of 70% or less. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.

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A property price range estimate is an estimate only. It is based on certain available information and is not a valuation of a property or guarantee of its market value or future sale price. Price ranges may change daily and the actual sale price (if the property is sold) may be different.

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Application is provided by Journeywise Pty Ltd trading as LandingPad. ANZ does not control the content and takes no responsibility for the contents of the app. This link to the application does not constitute financial advice. Use of the application will be subject to the terms and conditions set out on the applicable app store and within the application (including any relevant privacy policy).

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ANZ may provide pre-approval (also known as approval in principle or conditional approval) to eligible customers who apply for an ANZ home loan and complete an application form and satisfy any other applicable requirements. Pre-approval is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ. Australian Credit Licence Number 234527.

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ANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.

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