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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.

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 deposit. However, there may be benefits in saving a larger 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 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

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.


In some states and territories, stamp duty exemptions and concessions may be available for eligible first home buyers, 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.


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.



Extra tips and tools to help you buy a home

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You might also be interested in


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.



The unexpected costs to consider when buying a house

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There’s more to buying a house than meets the eye. It can help to tally up all the costs of home-buying before you start.



What is stamp duty and how could it affect 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.


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.


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%.


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.


Application is provided by Journeywise Pty Ltd trading as TheOneSpot. 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).


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.


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.