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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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Article

How much do you really need for a house deposit?

3 minute read

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.

 

Article

How to save for a house deposit – the smart way

3 minute read

When you’re saving up for a house deposit, every little tactic can help. Here are some suggestions for reaching your savings goal.

  

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What is stamp duty and how it affects you

3 minute read

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. 

  

* 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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