Compare
Edit each column to compare different properties, states, or budgets side by side.
| Metric | Scenario 1 | Scenario 2 | Scenario 3 |
|---|---|---|---|
| Loan amount | $600,000 | $480,000 | $450,000★ best |
| LVR | 80.0%★ best | 80.0% | 90.0% |
| Stamp duty | $27,937 | $0★ best | $0 |
| LMI premium | $0★ best | $0 | $8,366 |
| Monthly repayment | $3,932 | $3,145 | $2,949★ best |
| Borrowing capacity | $456,622★ best | $391,226 | $325,829 |
| Total upfront costs | $179,937 | $122,000 | $60,366★ best |
Upfront costs include deposit + stamp duty + LMI (if applicable) + $2,000 estimate for legal and conveyancing fees. Borrowing capacity is indicative only, based on the APRA serviceability buffer (assessment rate = contract rate + 3%, floor 5.5%). Stamp duty rates were verified against each revenue office between July and October 2026. Formulas on our methodology page. First home buyer concessions are applied per state (thresholds differ). LMI is an indicative single premium using 2024 rates modelled on Helia (formerly Genworth) and Arch.
General Advice Warning
The information on this site is general in nature and does not consider your personal circumstances, financial situation, or needs. Before acting on any information, you should consider its appropriateness having regard to your own situation and seek professional advice from a licensed financial adviser, mortgage broker, accountant, or solicitor.