What Does It Really Cost to Buy Your First Home?
Most first home buyers only think about the deposit. Here's the full picture — upfront costs, ongoing expenses, and what happens when rates change.
Your First Home
🏠 As a first home buyer, you may be eligible for stamp duty exemptions, the First Home Owner Grant, and the First Home Guarantee (5% deposit, no LMI) in your state.
Upfront Costs Breakdown
Your Repayments
Ongoing Costs Most Buyers Forget
Adjust these estimates to match your situation. These are on top of your mortgage.
Total Monthly Cost of Homeownership
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Mortgage + rates + insurance + maintenance + utilities
What If Interest Rates Change?
See how rate changes affect your total monthly homeownership cost.
🚀 Want to Pay Off Your Mortgage Faster?
Use our Mortgage Freedom Calculator to see how extra repayments can save you years and thousands in interest.
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Enter your purchase price and deposit above to see the full cost breakdown.
Ready to Buy Your First Home?
Get expert guidance from our buyer's agents. We'll help you navigate the process and find the right property — no obligation.