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Stamp duty, LMI, government registration fees, and typical conveyancing and inspection costs — the full picture, with the question that actually matters: what's left of your savings for a deposit.
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This is an estimate — conveyancing and inspection costs vary by firm and property. Want a real quote tailored to your purchase, free and no obligation?
Indicative only. Stamp duty, LMI, and government registration fees are calculated from published state and lender rates and are close to exact. Conveyancing/legal fees and the building & pest inspection are typical Australia-wide estimates, not a quote — the real cost varies by firm, state, and property. Confirm exact figures with the relevant revenue office, your conveyancer, or book a call before relying on this for settlement. Does not constitute financial or legal advice.
Knowing your upfront costs is the start of the conversation, not the end of it. Here's what happens next.
See why clients work with us →"Sam mapped out every cost before we made an offer — stamp duty, LMI, all of it. No surprises at settlement, which is more than I can say for our last purchase."
"Knowing exactly what we needed in cash versus what could be added to the loan changed our whole budget. Wish we'd had this before our first purchase, not our second."
Stamp duty, LMI (if applicable), and government land title registration fees (for the Transfer and the Mortgage) — all calculated from published state and lender rates, so they're close to exact. Conveyancing/legal fees and the building & pest inspection are shown as typical Australia-wide estimates, since the real cost varies by firm and property — we'll give you an exact figure on a call. Not included: council/water rate adjustments at settlement and any loan application fee your lender charges (many are negotiable or waived — ask us).
LMI can usually be added to ("capitalised into") your loan amount rather than paid upfront. Stamp duty generally can't — most lenders require it paid at or before settlement from your own funds. This is exactly the kind of structuring question worth a call before you commit to a purchase price.
They're typical estimates ($1,200 for conveyancing/legal, $500 for a building & pest inspection on an established home), not a quote — actual conveyancing fees range roughly $800–$2,500 depending on the firm and property complexity, more for a commercial or investment purchase. We can point you to conveyancers we trust and get you a real number once you're ready.