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First Home Buyer Calculator

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Why are you buying a place?

Buying an existing, new property or vacant land?

Buying as a single or a couple?

Combined if a couple

Add your FHSS determination amount here if you have one

e.g. food, clothes and other loan repayments, don't include rent

Add your total remaining amount

Where are you buying?

Tap table headings for calculation explanations

Click on table headings for calculation explanations

Purchase PriceLoan Amount
Principal+Interest=Total
DTILVRLMI*Transfer DutyUpfront CashMonthly Repayment

30 years @ 6.50% p.a.

Scheme Eligibility
$265,000
$200,000
+
$255,089
=
$455,089
0.5575.47%$0

$0 exempt

$58,000 inc. FHOG
$1,264
$245,000
$180,000
+
$229,580
=
$409,580
0.5473.47%$0

$0 exempt

$58,000 inc. FHOG
$1,138
$225,000
$160,000
+
$204,071
=
$364,071
0.5271.11%$0

$0 exempt

$58,000 inc. FHOG
$1,011
$205,000
$140,000
+
$178,562
=
$318,562
0.5168.29%$0

$0 exempt

$58,000 inc. FHOG
$885
$185,000
$120,000
+
$153,053
=
$273,053
0.4964.86%$0

$0 exempt

$58,000 inc. FHOG
$758
$165,000
$100,000
+
$127,544
=
$227,544
0.4860.61%$0

$0 exempt

$58,000 inc. FHOG
$632
$145,000
$80,000
+
$102,036
=
$182,036
0.4655.17%$0

$0 exempt

$58,000 inc. FHOG
$506
$125,000
$60,000
+
$76,527
=
$136,527
0.4548.00%$0

$0 exempt

$58,000 inc. FHOG
$379
$105,000
$40,000
+
$51,018
=
$91,018
0.4338.10%$0

$0 exempt

$58,000 inc. FHOG
$253
$85,000
$20,000
+
$25,509
=
$45,509
0.4223.53%$0

$0 exempt

$58,000 inc. FHOG
$126
$65,000
$0
+
$0
=
$0
0.400.00%$0

$0 exempt

$58,000 inc. FHOG
$0
$65,000
$0
+
$0
=
$0
0.400.00%$0

$0 exempt

$58,000 inc. FHOG
$0
$65,000
$0
+
$0
=
$0
0.400.00%$0

$0 exempt

$58,000 inc. FHOG
$0
$65,000
$0
+
$0
=
$0
0.400.00%$0

$0 exempt

$58,000 inc. FHOG
$0
$65,000
$0
+
$0
=
$0
0.400.00%$0

$0 exempt

$58,000 inc. FHOG
$0

* estimate only

Provide Feedback

Assumptions:

  • you are a first home buyer
  • you are an australian citizen
  • you are over 18
  • you or your partner have never previously owned a home

This calculator is open source, keeping it updated takes time! Contributions welcome:

View GitHub repo
Please note that this is a tool intended to compliment your own research, this is not financial advice. Please report errors via the feedback form.

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Last updated 11/10/25