How much cash do you actually need to buy?

Estimate the cash needed for your deposit, duty and fees. You also need to check how much a lender would lend you.

About the purchase

State
Property
Purpose

Above 80% LVR, so an LMI estimate is included. Tick the scheme if you’re eligible.

Your numbers

Drag, type, or tap a tag to take over a figure. I work out the rest live.

Working out: the cash you’d need. Deposit plus stamp duty, government fees and costs at this price.
You set this, drag or type
Loan amount
$665,000
Worked out from price and LVR
Loan to value ratio (%)
95.00%
Assuming 95% for a first home buyer
Your contribution (cash in)
$40,917.20
The cash you’d need, worked out live
Estimated monthly repayment
Principal and interest at 6.20% over 30 years
$4,254/mo

Add a monthly maximum to cap the loan and see the extra contribution needed.

This is a scenario estimate, not a borrowing capacity assessment. It assumes a standard principal-and-interest loan. Your actual rate, repayment and approval will depend on the lender and your circumstances.

Cash you need
$40,917.20

Your $35,000 deposit plus $5,917 in stamp duty, fees and costs.

What the cash you need is made of
Loan with LMI
$694,502
LVR
95.00%
LMI estimate
$29,502

Where it goes

tap a line for plain English
Purchase price$700,000.00
Total funds to complete$735,419.20
Less your loan, including LMI− $694,502.00
Cash you need$40,917.20
From 1 August 2026, Queensland's home and first home duty concessions require buyers to be Australian citizens, permanent residents or specified foreign retirees. If you sign on or after that date and don't meet that test, the concession shown here may not apply.

Estimates only, from published government rates and your own assumptions. Not financial or credit advice. Confirm figures with the state revenue office and your broker before relying on them. Rates as at 9 July 2026. The LMI estimate uses one insurer's published premium rates from 1 September 2025. Premiums differ between lenders and insurers, so your quote may be higher or lower.

Calculated from: qro.qld.gov.au · www.titlesqld.com.au

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Borrowing capacity

This page can't tell you whether a bank would lend you $694,502. That depends on your income, expenses and how each lender assesses them. I can help check your borrowing capacity alongside these buying costs.

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Jai Raynor · 0433 967 807 · no cost, no obligation

Cash you need$40,917See breakdown