For information only — not investment, financial, or tax advice. This calculator estimates results based on the inputs you provide. It does not constitute professional advice and infoz.com is not a CPA, EA, attorney, or registered investment adviser. Tax laws change. Individual circumstances vary. Consult a qualified professional licensed in your jurisdiction before making any financial decision.
Australian mortgages are mostly variable; fixed periods of 1-5 years are common but a minority of the market. RBA cash rate ~4.35%. LMI (Lenders Mortgage Insurance) typically required above 80% LTV. First Home Guarantee removes LMI requirement for eligible buyers.
Typical fixed-rate band
5.50–6.50%
2026 headline range
Typical floating / variable
5.50–6.80%
Tracker / SVR / EBLR / EIBOR / SORA…
Max LTV
95%
Typical deposit 20%
Typical term
30 yrs
Common during the fix period; usually waived after
Pre-populated with the median fixed rate, typical deposit %, and typical term from AU lenders. Override any input. Stamp / transfer / property tax not modeled — see the sources block below for binding affordability rules.
Loan amount
A$640,000
LTV 80.00%
Monthly P&I
A$3,837
30y at 6.00%
Total interest
A$741,364
Total cost A$1,381,364
Stamp / transfer / property tax differs widely by jurisdiction and is not modeled here. See the country's sources block below for the binding rules.
Progressive state stamp duty + foreign-buyer surcharge + conveyancing. First-home-buyer exemption applies for owner-occupiers below each state's threshold.
On top of the home price — that's 4.2% of the price.
| Line item | Amount |
|---|---|
NSW stamp duty Progressive transfer duty per state schedule. | A$30,530 |
Mortgage registration fee State-government flat fee to register the mortgage. | A$250 |
Conveyancer / solicitor Typical residential conveyancing fee; legal-aid services lower. | A$2,000 |
Building + pest inspection Strongly recommended pre-purchase inspection. | A$500 |
| Total | A$33,280 |
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What this calculator does NOT cover:
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Last reviewed
April 28, 2026
Reviewed by
infoz Editorial Team — Editor, Web Publishing Corp
AU mortgage market — typical rate bands and structural quirks compiled from each country's central-bank statistical release for 2026.
Numbers, schedules, and source citations on this page are checked against primary sources during each review cycle. Spot something outdated or wrong? Report an inaccuracy — we triage every report within 7 days.