Deposit-based property price calculator
How much property could your savings buy?
Work backwards from the cash you can use, the buffer you want to keep, governed stamp duty and real buying costs. Compare common LVRs, see the loan required and keep borrowing capacity separate from deposit capacity.
No credit enquiryGoverned state and territory dutyIndicative LMI estimate where requiredServiceability assessed separately
Deposit to Property Price Calculator AustraliaAbout 3 minutes · advanced settings optional
1
Your funds and purchase
Use cash you can genuinely put toward settlement. Keep emergency savings separate so the result does not assume every dollar disappears into the purchase.
Cash available before keeping your chosen safety buffer.
The calculator will not use this amount.
No grant or gift is assumed automatically. This amount can help with buying costs but is not counted as the scheme’s minimum saved deposit.
Advanced purchase settings — foreign purchaser treatment
The governed duty service decides whether a surcharge can be calculated for the selected scenario.
This is a funds-to-complete calculator, not a borrowing-power calculator. It estimates the property price your available cash could support. Income, living expenses, debts, dependants, credit history, lender assessment rates and property policy are not assessed.
2
Loan pathways and low-deposit costs
Compare 80%, 85%, 90% and 95% base LVR. For higher-LVR pathways, the calculator applies an indicative LMI estimate for guidance. Actual LMI can vary by lender and insurer and should be confirmed before relying on the result.
Editable fallback planning rate. A live match is attempted after calculation.
Confirm the selected government pathway
Broad planning category only. Both purchase price and lender valuation must remain under the exact suburb/postcode cap.Check the official postcode cap ↗
Add confirmed LMI quotes — optional
85% base LVR
90% base LVR
95% base LVR
For 85%, 90% and 95% base-LVR pathways, an indicative LMI estimate is applied where available. Actual LMI can vary by lender and insurer, and a confirmed lender or insurer quote takes priority. If no usable estimate is available, the affected result remains provisional. LMI varies by lender, insurer, borrower, purpose and security.
Indicative LMI estimate only. Actual LMI can vary by lender and insurer.Ready
3
Your deposit-based result
Follow the cash from your available funds into the deposit and buying costs, then see the loan and indicative repayment. A higher property price is not automatically affordable or approvable.
Fully costed deposit result—
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Compare the deposit pathways
Select a card to see its full flow of funds. High-LVR cards include an indicative LMI estimate where available. Actual lender or insurer LMI may differ.
Selected scenario — follow the money
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Money coming in
Money being used
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Repayment check — not serviceability
The same planning rate is applied to the selected loan. A lender still assesses income, expenses, debts, dependants and policy.
Editable planning rateThe repayment estimate does not establish borrowing capacity or approval.
Selected loan—
All-in debt ratio—
Estimated P&I repayment—
Method and important limits
Calculation method. —
Useful next checks
Want a broker to check the real limit?
Rate Challenge can check serviceability, lender policy, valuation risk, LMI, scheme eligibility and whether the cash position is realistic.
Planning tool only. This calculator estimates a property price from cash available, governed duty, entered costs and selected LVR. It is not borrowing capacity, pre-approval, a credit decision, personal financial advice or a guarantee of scheme, concession, LMI or property eligibility. It assumes purchase price equals lender valuation. Confirm final duty, LMI, lender policy, servicing and all transaction costs before signing a contract.
Deposit to property price calculator FAQs
Is this a borrowing-power calculator?
No. It works backwards from cash available, buying costs and a selected base LVR. It does not assess income, expenses, debts, dependants, credit history, lender assessment rates or approval policy.
Why is the 80% result described as the reliable anchor?
At or below 80% base LVR, ordinary LMI is generally not required. Higher-LVR results can still be useful, but they remain provisional until an actual insurer or lender LMI amount and funding method are confirmed.
How is LMI handled in this calculator?
Indicative LMI estimate only. Actual LMI can vary by lender, insurer, borrower profile, loan purpose and property/security. A confirmed lender or insurer quote may be different and takes priority.
How is stamp duty calculated?
The calculator requests a result from Rate Challenge’s governed duty service using the transaction date, jurisdiction, property type, occupancy, separately confirmed first-home duty status and foreign-purchaser setting. It fails closed rather than inventing a duty amount.
Does the federal 5% or 2% scheme automatically give first-home duty relief?
No. Federal low-deposit support and state or territory duty relief are separate eligibility tests. The calculator uses ordinary duty unless you separately confirm the official jurisdiction requirements.
Why can lender valuation change the result?
The model assumes purchase price equals the lender’s valuation. If the valuation is lower, the lender’s maximum loan may be based on that lower value, increasing the cash you need.