What will it really cost to buy?
Stamp duty is the cost most buyers forget. See the true cash you need in NSW — duty, first-home concessions, LMI and fees — on top of your deposit.
NSW figures. Stamp duty uses the NSW transfer-duty scale and the First Home Buyers Assistance Scheme (full exemption to $800k, concession to $1m for new/existing homes). Indicative only — confirm with Revenue NSW.
Total upfront cash needed
$0
Deposit + stamp duty + fees (LMI shown separately)
| Your deposit | $0 |
| Stamp duty (after concession) | $0 |
| Legal / conveyancing | $2,000 |
| Building & pest inspection | $600 |
| Loan / settlement fees | $800 |
| Cash you need at settlement | $0 |
| LMI (usually added to the loan) | $0 |
Disclaimer: This is an indicative estimate for NSW only and is not financial or legal advice or a quote. Stamp duty scales, first home buyer thresholds and concessions change and are set by Revenue NSW; LMI varies by lender and LVR; legal, inspection and loan fees vary. Confirm exact figures with Revenue NSW and your conveyancer. Contact Smart Buyer Hub for a precise assessment.