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Money Back Australia
Cost to buy
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FY26 · upfront cash to buy

What's the true upfront cost of buying?
Add up the standard upfront costs of buying a home from official figures — transfer (stamp) duty, indicative Lenders Mortgage Insurance, conveyancing, inspection and registration fees, less any First Home Owner Grant. The total is an indicative range, never a quote.
Educational tool. Not financial advice.
Which state is the property in?
Purchase price
The contract price / dutiable value of the property.
$
Deposit you've saved
Drives your loan-to-value ratio and the 5% Deposit Scheme gate.
$
Established home or new build?
Is this your first home?
Combined annual income (optional)
Used for the First Home scheme surfaces. Leave blank if you'd rather not say.
$
Have you made voluntary super contributions toward a deposit (FHSS)?