A mortgage offer isn't the same as what you can really spend. Enter your savings and income to see the most you could pay, after the deposit, every buying cost and tax, and common lending limits. Free.
Costs on top of the price
A$39,508
Moving home · New South Wales ·
What do you want to work out?
The most you could pay, from your savings and income, after the deposit, buying costs and usual lending limits.
You could buy a home up to about
Mortgage
A$655,224Deposit
A$247,615Buying costs
A$37,385Monthly repayment
A$3,886If rates rise 1%
A$4,315Savings used
A$285,000A rough guide from common lending limits in Australia (up to about 6 times income, at most 95% of the price, terms up to 30 years). Not a mortgage offer or advice: lenders look at your debts, spending, credit history and the home itself. Your home may be repossessed if you do not keep up repayments on your mortgage.
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Questions
Lenders in Australia commonly lend up to about 6 times your household income before tax, if your spending and debts allow it.
Lenders usually lend up to about 95% of the price to people who live in Australia, so you need a deposit of at least 5%. On top of that, buying costs come to about 4.2% of the price. If you live abroad, many lenders lend at most 70%.
Moving home in New South Wales: stamp duty is about A$36,938. All buying costs together come to about A$39,508, or 4.2% of the price. Change the price or buyer type above to see your own figure.
Yes. Foreign buyers pay a surcharge on top of stamp duty: 9% in New South Wales and 8% in Victoria, plus a FIRB application fee.
As a citizen or permanent resident, foreign-buyer rules don't apply to you.
A conveyancer or solicitor in the state you're buying in. ID for a 100-point check, and a tax file number if you'll rent it out.
We last updated the figures on 16 Oct 2026 and checked them against official sources on 16 Oct 2026. We check every country every week, and show a warning if a check is overdue.
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