When can you actually buy?
Set a target price and your savings rate. We'll show the deposit and upfront cash you need — and how long until you're ready, including the 5% First Home Guarantee shortcut.
Includes upfront costs. We add NSW stamp duty (first-home concession applied if eligible) plus legal, inspection and loan fees, so the goal is the real cash you'll need — not just the deposit.
Time to reach your goal
0 months
On track for —
| Deposit needed | $0 |
| Stamp duty + fees | $0 |
| Total cash target | $0 |
| You have now | $0 |
| Still to save | $0 |
5% deposit (FHG)
—
cash needed
20% deposit
—
cash needed
Disclaimer: Indicative estimate only, not financial or credit advice. Assumes a constant savings rate and a fixed target price (prices and your borrowing power may change). Stamp duty uses the NSW scale and first-home concessions, which are subject to change. The First Home Guarantee has eligibility criteria, price caps and limited places. Contact Smart Buyer Hub for a tailored plan.