Upfront costs

What do I actually need upfront?

The deposit is only half the story. Stamp duty, LMI, legals and fees add up — here's the real cash you'll need.

Cash you'll need
deposit + upfront costs
Deposit
Stamp duty
LMI (est.)
Legal / conveyancing
Inspections
Govt transfer / registration
Total cash needed
Loan amount
LVR

Stamp duty, LMI and first-home concessions are indicative, simplified, and change frequently by state and over time — confirm exact figures with the relevant state revenue office and your lender. Indicative estimate only — not financial advice, a quote or a credit offer. Figures exclude some fees and assume a standard principal-and-interest loan. Your real position depends on the lender and your circumstances. Speak with VV Advisory (Credit Representative [number to confirm] · Australian Credit Licence [to confirm]) for a tailored assessment.

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