At Velox Capital, we know that purchasing property involves more than just the deposit and loan repayments. To help you plan with confidence, we provide a Property Buying Cost Calculator. This easy-to-use tool estimates the upfront costs involved in buying a property, such as stamp duty, legal fees, and government charges. By giving you a clearer picture of the total costs, the calculator helps you prepare financially before making one of the biggest decisions of your life.
Quick and simple way to understand the full cost of purchasing property
Helps you set a realistic savings goal beyond the deposit
Provides clarity when comparing properties in different price ranges
Saves time and reduces stress by giving you a benchmark before applying for finance
Supports better decision-making when working with a broker or lender
Using this calculator is an important step when planning your property purchase. It helps you see the difference between the purchase price and the actual funds required to complete the transaction. Many first-time buyers underestimate these costs, which can affect their budget and borrowing capacity.
At Velox Capital, we recommend using the calculator as a guide, then working with our brokers to review your full financial position. We ensure that all costs are accounted for, compare lender requirements, and help you structure your loan so you can move forward with clarity and confidence.
The costs of buying a property vary depending on your location, property type, and loan structure. Common costs include:
Stamp duty – Government tax based on the property value and state or territory rules
Transfer fees – Charges for registering the transfer of property ownership
Mortgage registration – Fee for registering the lender’s interest in the property
Legal or conveyancing fees – Professional services to handle contracts and settlement
Inspection reports – Building, pest, or strata reports that may be required
Lenders Mortgage Insurance (LMI) – If your deposit is less than 20%
Miscellaneous fees – Such as application fees or settlement adjustments
Understanding these costs ensures you are not caught off guard at settlement and helps you budget more accurately.
A Property Buying Cost Calculator complements other tools like a Borrowing Power Calculator or Loan Repayment Calculator. While those tools show how much you may be able to borrow and what your repayments could be, this calculator highlights the upfront costs. Together, they provide a complete picture of your financial position before purchasing a property.
At Velox Capital, we bring these insights together and guide you through the process, from planning your purchase to securing finance and settlement.
The Property Buying Cost Calculator provides an estimate, but each client’s situation is unique. At Velox Capital, we look at the bigger picture. We explain the full costs involved, explore multiple loan options, and ensure you understand every step. Our brokers simplify the process, fight for the best outcome, and support you with clear, personalised advice.
With access to a wide network of lenders and years of experience in residential, investment, and SMSF lending, we turn estimates into real strategies tailored to your goals.
Clients choose Velox Capital for our expertise, responsiveness, and transparent communication. We provide client-first advice that helps you make confident decisions, ensuring nothing is overlooked when buying property.
We are more than just brokers — we are finance partners who support you from your first property purchase to future investments. By combining market knowledge with a genuine commitment to your success, we deliver outcomes that build long-term confidence.
Use our Property Buying Cost Calculator to estimate the upfront costs of purchasing property. Once you have a clear picture, speak with our team for tailored lending advice and strategies that align with your financial goals.
Velox Capital is your trusted Sydney-based finance partner, simplifying complex processes and helping clients make smarter financial decisions.
A Property Buying Cost Calculator is designed to show the additional expenses that come with purchasing property. While many buyers focus only on the deposit and loan amount, there are a range of upfront costs that must also be budgeted for. These include stamp duty, transfer fees, mortgage registration, and professional services. The calculator provides an estimate of these costs so you can plan ahead and avoid surprises.
It provides an estimate only. Actual costs vary depending on state regulations, property type, and lender fees.
Yes, the Property Buying Cost Calculator includes stamp duty estimates based on property value and location.
Yes. The tool works for both owner-occupied and investment properties, giving you a clear idea of the upfront costs involved.
Each state or territory has its own rules and fee structures. Our brokers explain these differences and help you budget accordingly.
Yes. The calculator is a guide, but Velox Capital ensures you understand all costs and helps you plan with complete accuracy.
