Upfront costs

What do I actually need upfront?

The deposit is only half the story. Stamp duty, LMI, legals and fees add up — here's the real cash you'll need.

Cash you'll need
—
deposit + upfront costs
Deposit—
Stamp duty—
LMI (est.)—
Legal / conveyancing—
Inspections—
Govt transfer / registration—
Total cash needed—
Loan amount
—
LVR
—

Stamp duty, LMI and first-home concessions are indicative, simplified, and change frequently by state and over time — confirm exact figures with the relevant state revenue office and your lender. Indicative estimate only — not financial advice, a quote or a credit offer. Figures exclude some fees and assume a standard principal-and-interest loan. Your real position depends on the lender and your circumstances. Speak with VV Advisory (credit services provided under Connective Credit Services Pty Ltd, Australian Credit Licence 389328) for a tailored assessment.

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