§ P — Property Suite
Every Australian property number, in one place.
Australian property costs extend well beyond the purchase price — stamp duty, LMI, ongoing loan interest, and maintenance can add 5–8% to the first-year cost of ownership on a typical property purchase.
Eight property calculators — from first purchase to final sale. Start with affordability, work through stamp duty and LMI, plan the mortgage, model the yield and tax saving, and calculate CGT when you sell.
How much can you borrow?
Your inputs
Income
Expenses & debt
Loan & deposit
State / territory
Estimate only. Actual borrowing capacity depends on your lender's assessment.
The result
Enter your income, expenses, and deposit to see your estimated borrowing power and maximum purchase price.
The property journey, calculator by calculator
Step 1
Affordability
APRA stress test at rate +3%. Know your ceiling before you look.
Step 2
Stamp Duty + LMI
Two major upfront costs that vary by state and deposit size.
Step 3
Mortgage + Yield
Model repayments and, for investment properties, gross and net yield.
Step 4
Neg. Gearing + CGT
Annual tax saving while you hold, and CGT when you sell.
All property tools — individual pages
§ 10
Borrowing power
APRA-compliant max loan calculator.
§ 03
Stamp duty
All 8 states with FHB concessions.
§ 09
LMI cost
Lenders Mortgage Insurance by deposit and state.
§ 02
Mortgage
Repayments and 30-year amortisation table.
§ 08
Rental yield
Gross and net yield after all expenses.
§ 07
Negative gearing
Tax saving and weekly out-of-pocket cost.
§ 11
Capital Gains Tax
CGT with 50% discount for 12+ month hold.
§ 05
Rent vs buy
Net worth comparison over 5–30 years.
Sources
- Reserve Bank of Australia — cash rate and mortgage rate data
- Australian Taxation Office — negative gearing and CGT rules
- PropTrack / Domain — median dwelling price estimates, June 2026
- Data last verified: June 2026
Property Hub — frequently asked questions
What calculators are in the Property Hub?+ open
The Property Hub includes eight calculators covering the full property journey: borrowing power (APRA stress-test), stamp duty (all 8 states), LMI cost, mortgage repayments, rental yield, negative gearing tax saving, capital gains tax, and rent vs buy net worth comparison.
How much stamp duty will I pay in Australia?+ open
Stamp duty varies significantly by state. On a $750,000 property: NSW ~$28,700, VIC ~$40,070, QLD ~$15,925, SA ~$33,330, WA ~$27,765. First home buyers may pay zero or a reduced rate up to the state threshold. Use the stamp duty calculator for an exact figure based on your state and buyer type.
What is LMI and when do I have to pay it?+ open
Lenders Mortgage Insurance (LMI) is a one-off premium charged by lenders when your deposit is below 20% of the property price. It protects the lender — not you — if you default. On a $750,000 property with a 10% deposit, LMI can cost $15,000–$20,000 and is typically added to your loan balance.
How much can I borrow to buy a property in Australia?+ open
Australian lenders apply APRA serviceability rules: you must be able to afford repayments at your interest rate plus 3%. As a rough guide, most lenders will lend up to 6× your gross income, though your actual limit depends on liabilities, living expenses, and the property type.