About the purchase
State
Property
Purpose
Your numbers
Drag, type, or tap a tag to take over a figure. I work out the rest live.
Purchase 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
Cash you need
$40,917.20
Deposit plus stamp duty, government fees and legal costs, less your loan.
Purchase price
$700,000
Deposit
$35,000
LVR
95.00%
Your deposit and your cash to complete are different numbers. The deposit here is $35,000, which satisfies the lender's LVR. Stamp duty, government fees and legal costs sit on top, so the cash you'd actually need is $40,917.20.
Where it goes
tap a line for plain EnglishTotal funds to complete$705,917.20
Less your loan− $665,000.00
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 2026-07-09.
Calculated from: qro.qld.gov.au · www.titlesqld.com.au
The income gate
This page can't tell you whether a bank would lend you $665,000. That depends on your income, expenses and how each lender assesses them. Bring these numbers and we'll work out which gate is actually holding you back.
Book a free strategy sessionJai Raynor · 0433 967 807 · no cost, no obligation