Deposit to Property Price Calculator Australia

Q: Is this a borrowing power (serviceability) calculator?

No. This tool works backwards from your savings/deposit and estimated buying costs to show an indicative maximum purchase price across LVR bands. It does not assess income, expenses, debts, dependants or lender serviceability rules.

Q: Does it include LMI and LMI stamp duty?

Yes. When the scenario is above 80% LVR and you are not using a Home Guarantee option, we estimate an LMI premium from an example public LMI card and add LMI stamp duty in states where it applies.

Q: How do the 5% and 2% Home Guarantee options affect results?

If eligible and selected, we cap the purchase price to the relevant Housing Australia price cap for your state/area and remove LMI for those scheme scenarios. Eligibility rules and caps can change—confirm before relying on the result.

Q: Do I still need lender approval and servicing checks?

Yes. This calculator does not check serviceability, credit policy, property type/postcode rules, or lender-specific fees and LMI cards. A lender/broker assessment is still required.

What this calculator includes Tap to expand / collapse

Upfront costs: estimated stamp duty (state-based), plus an allowance for title/transfer.
Capitalised fees: your entered lender/settlement fees are added to the loan (then LVR is re-tested).
LMI: an example public LMI table plus LMI stamp duty where applicable (indicative only).
LVR scenarios: 95%, 90%, 85% and 80% overall LVR outcomes.
Home Guarantee options: optional 5% and 2% schemes apply a Housing Australia price cap and remove LMI for those scheme scenarios.

Indicative only. Duty, fees, scheme rules, postcode restrictions and lender LMI cards vary and can change. Confirm with your lender/broker and your state/territory revenue office.

Savings → Max Purchase Price (Deposit-Based)

Enter your savings and scenario details to estimate a maximum purchase price for each LVR band. Scheme tiles (5% / 2%) are solved from your savings and capped to the selected Housing Australia area cap when turned on.

Total savings available i

State / Territory i

Area / centre (scheme cap) i

Postcode / suburb (notes)

First-home buyer (FHB)? i

Owner-occupied (PPR)? i

Use 2% Family Home Guarantee? i

Other lender/settlement fees (capitalised) i

Contract date (optional)

1) Inputs we used

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2) Scheme impact

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3) LMI debug (standard scenarios)

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4) What this means

This is a deposit-side estimate only. Lenders can apply different duty rules, fees, LMI cards, minimum premiums, or eligibility restrictions.

Indicative only. Confirm duty/fees and scheme eligibility before acting.

Frequently asked questions

Is this a borrowing power (serviceability) calculator?

No. This works backwards from your savings/deposit and estimated buying costs to show an indicative maximum purchase price across LVR bands. It does not assess income, expenses, debts, dependants, or lender serviceability rules.

What does this deposit-based calculator include?

It estimates stamp duty by state, includes title/transfer costs, adds your entered lender/settlement fees (capitalised), and applies an example public LMI table plus LMI stamp duty where applicable. Results are indicative only.

How do you calculate the maximum purchase price from savings?

We test purchase prices and add estimated costs (duty, title/transfer, fees and LMI where applicable) to solve for the highest price where the total loan at settlement stays within a target overall LVR (95%, 90%, 85% or 80%).

Does it include LMI and LMI stamp duty?

Yes. When a standard scenario is above 80% LVR (and you’re not using a Home Guarantee option), we estimate an LMI premium and add LMI stamp duty in states where it applies. LMI varies by lender and insurer.

How do the 5% and 2% Home Guarantee options affect results?

If eligible and selected, we cap the purchase price to the Housing Australia price cap for your state/area and remove LMI for that scheme tile. Eligibility rules and caps can change—confirm before relying on the result.

Do I still need lender approval and servicing checks?

Yes. This tool does not check serviceability, credit policy, property type/postcode rules, or lender-specific fees and LMI cards. A lender/broker assessment is still required.