THE BUYERS GRAILProperty calculators
Free calculators for Australian buyers: transfer duty by state, borrowing capacity, repayments, LMI, LVR, deposit timeline, ownership costs and rental yield.
Every tool runs in your browser from the same code that builds the numbers in a Property Decision Report. Nothing is typed by hand: change the inputs and the figures recompute; the reference tables on each page were produced by the same functions when the page was published.
- Stamp duty calculator, every state and territoryTransfer duty for any state, with the first-home concessions applied.
- Borrowing capacity calculatorWhat a serviceability test tends to produce from income, expenses and debts.
- Mortgage repayments calculatorMonthly and weekly repayments, and total interest, from price, deposit, rate and term.
- Lenders mortgage insurance (LMI) calculatorThe indicative premium when the deposit is under 20%, and the loan with it added.
- LVR calculatorThe loan-to-value ratio, and the deposit that gets it to 80%.
- Deposit timeline calculatorMonths to a 5%, 10% and 20% deposit from savings, monthly amount and rate.
- Cost of buying and owning calculatorPrice, duty and allowances to buy, and a five-year cost of owning and selling.
- Rental yield calculatorIndicative gross yield from price, state median rent and bedrooms.
- Family-help plannerA gift, a loan or a guarantee: what each does to the deposit, the LMI and the parents' exposure.
What these calculators are, and are not
They are general information tools. They apply published rate bands, thresholds and standard formulas to the figures you enter. They do not know your circumstances, your lender's policy, or the property. A transfer duty figure is only as current as the state schedule it was built from, and every page shows the vintage it carries. A borrowing figure is an estimate of what a lender's serviceability test tends to produce, not an offer of credit.
Where a first-home concession appears, it is conditional on eligibility rules the calculator does not check. The note under each result says what those conditions are.
The one thing no calculator can do is tell you what a particular property is worth. That is the comparable-sales work a fair-value range is built from, and it is what the report does for the property in front of you.
Where the report fits
A Property Decision Report does this work for one property you're weighing up: the fair-value range built from recorded comparable sales, where the asking price sits against it, the vendor and agent read, the risks that matter, and your opening, target and walk-away numbers, in writing, within 24 hours.
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Every pack is the same full report; only the number of properties changes. $249 for three properties, $349 for five.