Property Deposit Calculator

See how far your deposit takes you - Compare owner-occupied & investment options with 5% deposits, stamp duty & first-home buyer rates in NSW

Property Deposit Calculator - Buyvest

Property Deposit Calculator

Home Equity Calculator Property Deposit Calculator Mortgage Repayment Calculator

Discover Your Maximum Property Purchase Price

Planning to buy a property but unsure how far your savings will stretch? Our free property deposit calculator instantly shows you the maximum purchase price based on your available funds. Whether you're a first-home buyer or investing in additional property, this tool provides clarity on your buying power.

Real-Time Stamp Duty Calculations

Stamp duty is often the hidden cost that catches buyers off guard. Our calculator includes accurate NSW stamp duty calculations for both first-home buyers and investors. See exactly how much you'll spend on stamp duty at each loan-to-value ratio, helping you budget more effectively.

First-Home Buyer Advantages

If you're a first-home buyer purchasing an owner-occupied property in NSW, you qualify for significant stamp duty concessions. Our calculator automatically applies 2025 first-home buyer rates, showing you:

  • Concession rates for properties up to $800,000

  • Reduced rates for properties between $800,000 and $1,000,000

  • No LMI option for purchases up to $1.5 million

Three Loan-to-Value Options

Our calculator shows your maximum purchase price across three popular LVR scenarios:

  • 80% LVR - Larger deposit (20%), lower loan amount, no LMI

  • 90% LVR - Medium deposit (10%), moderate LMI costs

  • 95% LVR - Minimal deposit (5%), LMI included, max accessibility

Included Costs & Accurate Planning

We automatically deduct $2,500 for legal and associated costs, giving you a realistic picture of your true purchasing capacity. This comprehensive approach ensures the figures you see match real-world expenses.

Investment vs. Owner-Occupied Property

Different property types attract different stamp duty rates. Our calculator displays both scenarios, so you can compare investment property options alongside your primary residence calculations.

Transparent Financial Planning

Financial decisions shouldn't be complicated. Our deposit calculator removes the guesswork from property purchasing, showing you exactly what your money can achieve. Always confirm final figures with Buyvest or your lender, as stamp duty rates and lending policies change annually.