Buying budget & upfront costs

How far could your cash and equity take you?

Use an illustrative estimate of cash, usable equity, deposit, standard stamp duty and other upfront costs. It is not actual borrowing capacity, a quote, pre-approval or a final duty assessment.

See your result firstNo obligation to enquireReviewed by Ferdi

Cash + equity planning

Start with the money you can actually bring to settlement.

Estimate a supported purchase price, or test a property price you already have in mind. You see the result before choosing whether to contact Ferdi.

Illustrative estimate only

The figures are not actual borrowing capacity, a property valuation, a quote, pre-approval, lender decision or final stamp-duty assessment. Real figures can differ.

What do you want to calculate?What could my funds support?Check a target property price

Purchase state or territoryProperty use

Buyer statusForeign mode assumes the full purchase interest is foreign and adds the current surcharge where supported.Planning loan share (LVR)A planning assumption only. If the deposit is under 20% (LVR above 80%), a separate LMI/risk-fee allowance is required.

Cash savings available

Post-settlement cash buffer to keep

Included in the total cash/equity target so the estimate does not spend every dollar.

I own a property and want an estimated usable-equity amount

Editable buying-cost allowances

Starter allowances only, not quotes. Replace them with your conveyancer, inspector, lender and settlement figures when known.

Conveyancing / legal

Editable allowanceBuilding, pest or due diligence

Property and purchase type can change thisLoan, registration & settlement fees

Excludes any LMI amount belowOther purchase costs

Moving, advice, buyer's agent or other items if relevant