Most calculators only show the repayment. This one shows the full upfront cost, including stamp duty, transfer fees and LMI, and what that does to the loan you'll actually need.
If you've found a property, add it here and it will come through with your enquiry.
Where these numbers come from. Full cost breakdowns are calculated for South Australia only. For every other state and territory we show an indicative loan and repayment, and refer the duty calculation to our LMG platform, which carries each jurisdiction's current rates. Stamp duty uses the South Australian conveyance duty scale published by RevenueSA, including the "$100 or part of $100" rounding rule. Transfer and mortgage registration fees use the Land Services SA scale effective 1 July 2026. These match the figures produced by our LMG broker platform.
What's an estimate. LMI is shown as an indicative range. The actual premium is set by the lender's mortgage insurer and varies with the lender, your LVR, loan size and employment. Legal/conveyancing ($1,000) and moving ($1,500) are standard allowances, not quotes. Repayments assume principal and interest at a fixed rate for the full term, and exclude application, valuation and ongoing fees.
This is not a quote, a pre-approval, or a suggestion that any particular loan is suitable for you. Your actual borrowing capacity depends on your income, expenses, credit history and the lender's assessment. For figures based on your real circumstances, including every concession and grant you may be entitled to, use the application link above or give us a call.
Our LMG platform runs your actual situation across a panel of 100+ lenders, applies every concession you qualify for, and gives you a full written breakdown.