Australian Property Finance CalculatorProperty finance,
finally clear.
Model the Shared Equity Scheme, track renovation budgets, compare scenarios side by side, and go from browsing to buying with total clarity — all in one place.
Everything you need to model an Australian property purchase.
Shared Equity Modelling
See exactly what the government owns, what you owe at buyout, and how it changes as your property grows. QLD, NSW & VIC schemes supported.
30-Year Projection
Chart your property value, loan balance, government equity, and your net position across three decades — with your suburb's real growth rate.
Renovation & Costs
Track every purchase cost, model your full reno budget with contingency, and calculate the rent-overlap period — all in one place.
Property Library
Save and compare multiple properties side by side. Track status from browsing to offer to settled. Cloud-synced on Pro.
Works on Any Device
Fully responsive and installable as a home-screen app on iPhone and Android. Use it at open houses, in the car, anywhere.
Free to Start
No credit card. No time limit. Upgrade to Pro for unlimited properties, PDF export, and cloud sync.
See pricing →Not financial advice. Always consult a licensed adviser.
Why Australian property buyers use EquitySight
The 2025-26 Australian property market is unforgiving
Rising interest rates, APRA's 3% serviceability buffer, and record-high median prices in Sydney, Melbourne and Brisbane mean buyers need to model every cost before making an offer. The difference between the First Home Guarantee, FHOG and state stamp duty concessions can be tens of thousands of dollars — and it's different in every state.
EquitySight is an Australian property finance calculator built specifically for these conditions. Every formula uses current-year ATO individual tax rates, APRA Prudential Standard APS 220, state revenue office stamp duty schedules, and Melbourne Institute HEM benchmarks — not a US mortgage calculator repurposed with AUD.
State-specific rules, baked in
Our stamp duty, FHOG and first home buyer concession rules cover all eight Australian states and territories (NSW, VIC, QLD, SA, WA, TAS, ACT, NT). The borrowing power calculator applies the APRA 3% buffer every major lender uses. The capital gains tax calculator applies the 50% discount for 12-month-plus holds at your marginal rate, with the correct FY2025-26 Medicare levy sliding-scale.
The full 14-calculator suite takes you from deposit planning through to sale. If you want one tool that combines them all — scenario saving, 30-year projections, PDF export — the EquitySight full calculator is free to start.
Every number is documented. Read our full methodology — every formula, threshold and assumption — and data sources including ABS 2021 Census, RBA cash rate history, and state revenue offices.
Free Australian property calculators
No signup required. Use these calculators to explore stamp duty, equity, affordability, and investment returns across Australia.
Stamp Duty Calculator
All Australian states — NSW, VIC, QLD, SA, WA, TAS, ACT, NT. Transfer duty, FHB exemptions, and foreign surcharges.
Cost of Purchase
See all costs when buying — stamp duty, legal fees, bank charges, inspections, insurance, moving, and lease break.
Equity Release
See how much home equity you can release or refinance based on property value, mortgage, and LVR limits.
Loan Serviceability
Estimate your mortgage borrowing capacity based on income, expenses, and Australian bank lending criteria.
FHB Grants & Concessions
Check what first home buyer grants, stamp duty exemptions, and concessions you qualify for in your state.
Rental Yield
Calculate gross and net rental yield for any property. See if your investment stacks up financially.
House Flip Profit
Model a buy-renovate-sell strategy. Calculate net profit, ROI, and annualised return before you commit.
Renovation Cost Estimator
Build an itemised renovation budget with line items, categories, and contingency by room and phase.
Mortgage Stress Test
Test your loan repayment against interest rate increases and see how much buffer runway you have.
Mortgage Repayment
See weekly, fortnightly, and monthly repayments for Australian home loans — P&I or interest-only.
Deposit Calculator
How much deposit do you need? Includes stamp duty, LMI, legals, and FHB concessions across all Australian states.
Borrowing Power
How much can an Australian bank lend you? Applies the APRA 3% serviceability buffer used by major lenders.
Capital Gains Tax
Calculate CGT on an Australian property sale — with the 50% discount and marginal tax rates applied.
Interest Only vs P&I
Compare Interest Only and Principal + Interest home loans side-by-side. See total cost and cash-flow difference.
Love the free tools? The full EquitySight calculator adds scenario comparison, 30-year projections, PDF export, property library, and cloud sync.
Get started with the full calculator →Australian property finance, answered
How much deposit do I actually need to buy a home in Australia?
The standard benchmark is 20% of the purchase price to avoid Lenders Mortgage Insurance (LMI). You can buy with as little as 5% via the First Home Guarantee, or 10% with LMI capitalised onto the loan. On a $650,000 property that's $32,500 through the First Home Guarantee versus $130,000 for a full 20% deposit — plus 3–5% for stamp duty, conveyancing and inspections. Use the deposit calculator to see the exact number for your target price and state.
What stamp duty do I pay in NSW, VIC or QLD?
Stamp duty (transfer duty) is levied by each state revenue office and varies significantly. NSW first home buyers pay $0 on properties under $800,000 and a concessional rate up to $1,000,000. VIC offers an exemption up to $600,000 and a concession to $750,000. QLD increased its First Home Owner Grant to $30,000 in May 2024 and exempts stamp duty on new homes under $700,000. Our Australian stamp duty calculator covers all 8 states (NSW, VIC, QLD, SA, WA, TAS, ACT, NT) with current FY2025-26 rates.
How much can an Australian bank lend me?
Lenders calculate borrowing power from your net disposable income minus assessed expenses (the higher of your declared costs or the Household Expenditure Measure) minus existing debt repayments — all stress-tested at your current interest rate plus APRA's 3% serviceability buffer. A household on $120,000 with $3,500/month expenses and no debts typically qualifies for a $550,000–$650,000 loan. Run the numbers with our borrowing power calculator — it applies the APRA buffer every major lender uses.
What is the APRA 3% serviceability buffer and why does it matter?
APRA (the Australian Prudential Regulation Authority) requires every Australian lender to assess loan serviceability at the actual interest rate plus 3 percentage points, under Prudential Standard APS 220. If your real rate is 6.25%, the bank models repayments at 9.25%. This buffer exists to protect borrowers from future rate rises — it's been at 3% since October 2021. It's the single biggest reason banks lend less than borrowers expect, and every calculator on this site applies it transparently.
LMI vs FHOG — what's the difference?
Lenders Mortgage Insurance (LMI) is insurance the lender takes out (but you pay for) when your deposit is below 20%. It protects the lender if you default. Premiums run $8,000–$25,000+ depending on loan size and LVR. First Home Owner Grant (FHOG) is a state government cash grant for first home buyers purchasing a new build: NSW/VIC/WA/NT $10,000, QLD $30,000, SA $15,000, TAS $20,000, ACT $0. LMI is a cost; FHOG is a contribution. Our FHB grants calculator shows exactly what you qualify for in your state.
How does EquitySight work — what data sources power the calculators?
Every formula is documented. Stamp duty schedules come from each state revenue office (NSW, VIC, QLD etc.), tax rates from the ATO individual income tax rates, the serviceability buffer from APRA's APS 220, cash-rate data from the RBA, and suburb demographics from the ABS 2021 Census. Full detail in our methodology and data sources pages.
Explore Australian suburbs
Population data, amenity scores, and investment context for every suburb across all 8 states and territories.
Our data sources & methodology
Every calculator on EquitySight derives its numbers from primary Australian government sources — not scraped blog aggregates. Stamp duty and first home buyer concession schedules are pulled direct from each state revenue office. Individual income tax brackets and the Medicare levy shading-in thresholds track the ATO's published rates for the current financial year. Borrowing power applies APRA's Prudential Standard APS 220 serviceability buffer. Suburb population, median income, and dwelling mix come from the ABS 2021 Census. Live cash-rate context references the RBA's statistical tables.
Read our complete methodology — every formula and threshold — and the full data sources & attribution page. If a number surprises you, we want you to be able to reconstruct it.