Exact location
Your exact suburb sets the federal price cap.
HOME LOAN TOOLS
First home buyer calculator. Find your way home.
Explore government schemes, grants and buying costs. See how they could change your deposit, loan and cash needed.
YOUR FIRST HOME PLAN
What could your first home look like?
Start with the property, then add your buyer and finance details. You can move between sections before calculating. Estimates need authority and lender confirmation.
Ready
Check these details
Your first home options
Results are estimates based on the answers entered.
Your cash position
Your scheme and duty checks
See what appears to pass and what still needs confirmation.
Cash and settlement breakdown
Your flow of funds
Based on the highlighted pathway and the grant and duty checks that passed.
Loan details
Your loan at a glance
Loan, LVR and repayments for the highlighted pathway. Lender valuation and approval can change these figures.
Compare other loan structures
Compare your other options
Compare a standard loan with other passing schemes. These are separate options, not assumed to be combinable.
Before you rely on this estimate
“Appears to pass” means only that the calculator’s entered checks passed. It does not reserve a scheme place, verify documents, assess serviceability, value the property or approve a loan. A possible grant may not always be available at the exact time settlement funds are required.
YOUR NEXT STEP
Want a hand with your first home?
Ask a broker to review your options. No obligation.
HOW IT WORKS
The checks behind your estimate
Government guarantees, shared equity, grants and duty each have their own rules. We check them separately.
Dated pathways
Contract and transfer dates determine which time-limited rules apply.
Clear limits
Unsupported amounts are marked for official calculation, never assumed to be $0.
Source links
Use the official links to confirm the requirements for each pathway.
COMMON QUESTIONS
A few useful answers
Does an “appears to pass” result mean I am eligible?
No. Your answers passed the calculator’s checks. The authority and a participating lender still need to confirm eligibility and documents.
Does the calculator check borrowing power?
No. Repayments and cash estimates are not a lender serviceability, credit or property assessment.
Why can duty show “official calculation required”?
Some transactions need details this form cannot verify, including certain concessions and off-the-plan arrangements. Check the amount with the state authority.
Can Help to Buy be combined with a 5% or 2% guarantee?
Do not assume so. Help to Buy restricts scheme combinations. Confirm the structure before relying on the comparison.
RATE CHALLENGE
Discuss your result?
Talk through your result with a home loan specialist. No obligation.
Ask a broker to review your calculation and next steps.