First Home Buyer Calculator

Calculate your borrowing power, grants, and stamp duty savings

Your Details

How would you like to calculate your borrowing power?

Based on Current Rent

Based on Income

Monthly Rent Currently Paying

Annual Household Income (before tax)

State/Territory

Deposit Saved

Expected Interest Rate (Owner Occupied)

Property Type

I am a first home buyer (never owned property in Australia)

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Your Results

🎯 Maximum Buying Power (Calculated)
$0

🎚️ Adjust Your Target Property Price

Want to buy below your maximum? Adjust to see how it affects grants, stamp duty, and monthly repayments.

💰 Monthly Repayments (30 years)

Maximum Loan Amount

Your Deposit

First Home Owner Grant

Stamp Duty Saving

Important Disclaimer: This calculator provides estimates only and should not be considered financial advice. Actual borrowing capacity, grants, and stamp duty will depend on your individual circumstances, lender assessment criteria, current government policies, and property specifics. Interest rates are indicative. Always consult with a licensed mortgage broker or financial advisor, and verify current grant eligibility with your state revenue office. Calculations assume: 30-year loan term, principal and interest repayments, owner-occupied property, and standard lending criteria. Grant amounts and stamp duty concessions are current as of November 2025 but may change.