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Calculate the true cost of buying your first home in Western Australia. Get a complete breakdown of all expenses including stamp duty, legal fees, mortgage payments, and first-month costs.
Enter your property details once—all calculations update automatically
Unlocks stamp duty concessions
Property Price
$650,000
Monthly Payment
$3,051
Upfront Costs
$24,339
Total Cash Needed
$154,339
(Deposit + Costs)
Adjust your deposit and loan terms to see how they affect your repayments
$130,000
LVR: 80.0%
Loan Amount
$520,000
Total Interest
$578,402
Total Repayment
$1,098,402
All costs specific to buying in Western Australia
Transfer Duty (Stamp Duty)
WA Government duty (First Home Buyer rates)
$20,445
Transfer Fee
Property transfer registration
$172
Settlement Agent
Legal settlement services
$800
Mortgage Registration
Register your mortgage
$172
Lender Fees
Bank application fees
$600
Total Mandatory
$22,189
Building & Pest Inspection
Professional inspection (recommended)
$650
Moving Costs
Professional removalists
$1,200
Utility Connections
Gas, electricity, water, internet
$300
Total Optional
$2,150
$10,000 grant available for first home buyers purchasing new homes under $750,000 in WA. This is separate from stamp duty concessions.
Use these calculations to determine your budget and ensure you have sufficient funds before getting pre-approval. Consider speaking with a mortgage broker for personalised advice.
Now that you know your budget, start searching for properties within your price range.