First‑home buyer Scheme calculator — full postcode/suburb caps embedded

Every postcode, suburb, state, region and cap from your spreadsheet is included inline. No external requests needed.

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Rate Challenge — First‑home buyer Scheme calculator

Rules source: Built‑in tables • Duty source: On‑page • Cap source: Local table

State/Territory

Postcode (auto‑sets the price cap)

Type a 4‑digit postcode. We’ll match state/region and set the cap using the local table.

Region for price cap

Contract date

Property type

Price / Build total (AUD)

Citizenship

Ever owned in Australia?

Will you live in it?

Applicants

Household income (ACT HBCS)

Dependent children (FHG / ACT HBCS)

Deposit available

Loan term (years)

Interest rate (p.a. %)

Other upfront costs (A$)

Status: Ready

Your results

Loan‑to‑value ratio (LVR)

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Loan ÷ price

Home Guarantee (5% deposit)

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Family Home Guarantee (2%)

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First Home Owner Grant

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Stamp/transfer duty (incl. title fees)

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Indicative monthly repayment (P&I)

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Based on entered rate & term

Cash required at settlement

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≈ Deposit + duty/title + upfront − FHOG

LMI indicator

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Guide only — lender assessment applies

Notes

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Disclaimer: Results depend on dates, dutiable value (e.g. OTP), residence rules, mixed use and any foreign buyer surcharges. Title fees are typical estimates.