Upfront cash, to settle.
The whole settlement-day bill: stamp duty + LMI + conveyancing + inspections + moving, less any first-home grants you qualify for. State-aware throughout.
The purchase
$
$
Soft costs (overridable)
$
$
$
$
Every line below the deposit is cash you need on top of it. If you’re relying on a 5% deposit, the LMI premium alone can double your real cash requirement.
Cash needed at settlement (excl. deposit)
$15,950
Government
$350
Lender costs
$11,150
Soft costs
$4,450
Total cash on settlement day
$90,950
$75,000 deposit + $15,950 costs.
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Find a conveyancerItemised breakdown
Government
$350
Stamp / transfer duty
FHB concession applied — saving $28,062
$0
Transfer + mortgage registration
State-set fixed fees
$350
Lender
$11,150
Lenders Mortgage Insurance
LVR 90.0% — 1.60% of loan
$10,800
Loan application / establishment fee
$350
Professional services
$4,450
Conveyancing / solicitor
$1,800
Building & pest inspections
$650
Moving / removalists
$2,000