Calculators

Work the numbers.

Straight arithmetic you can do on the page, with nothing to sign up for and no loan funnel behind it. Every figure is a general estimate to help you think, not advice about your situation.

What Would An Agent Have Cost?

Agent commissions commonly run 1.5% to 3% of the sale price, plus a marketing budget. Selling here costs a flat listing fee and nothing on completion.

Sale Price ($)Commission (%)Agent Marketing ($)

Estimated agency cost $36,000

Selling here, that stays in your pocket, minus your listing fee (from FREE on Basic during launch, Plus $49, Premium $99).

Commission rates and marketing budgets vary by area, agency and agreement; check any agency agreement for the exact figures it binds you to.

List Without The Commission

Loan Repayments

Loan Amount ($)Interest Rate (% p.a.)

Loan Term (Years)Frequency

Monthly repayment $3,597

Total repaid over the term $1,295,029 ($695,029 interest)

Principal and interest, rate held constant, no fees or offset. Actual loans differ; your lender or broker quotes the real numbers.

Interest Only Vs Principal And Interest

Loan Amount ($)Interest Rate (% p.a.)

Loan Term (Years)Interest Only Period (Years)

Interest only, first 5 years $3,000 a month, then $3,866

Principal and interest from day one $3,597 a month

Total interest: interest only $739,743 · principal and interest $695,029

Going interest only for 5 years costs about $44,713 more over the loan.

Same rate assumed for both paths; in practice interest only loans often carry a higher rate, widening the gap. Repayments jump when the interest only period ends. Estimates only.

Stamp Duty Estimator

State Or TerritoryProperty Use

Purchase Price ($)

Estimated transfer duty in VIC $40,070 (about 5.3% of the price)

An estimate only, using each state's general published rate scale. Duty varies with your circumstances: first home buyer, pensioner and off-the-plan concessions, foreign purchaser surcharges, premium rates and aggregation rules are not included, and rates and thresholds change. Your state revenue office's own calculator and your conveyancer give the definitive figure before you sign anything.

Gross Rental Yield

Property Price ($)Weekly Rent ($)

Estimated gross yield –

The same figure tenanted investment listings show here. An estimate only: gross yield excludes government charges and the other costs of a purchase (stamp duty, conveyancing, rates, insurance, maintenance and the rest). Filter listings by yield on the Buy page.

Deposit And Loan Snapshot

Property Price ($)Deposit (%)

Deposit $150,000 · Loan $600,000 · LVR 80%

Above 80% LVR lenders commonly require lenders mortgage insurance. Government charges, including stamp duty, come on top and differ by state and buyer type; your conveyancer or your state revenue office's own calculator gives the definitive figure.

Your Rent As A Mortgage

Weekly Rent ($)Interest Rate (% p.a.)

The same weekly amount could service a loan of about $397,792 over 30 years

A rough conversion, not a borrowing assessment: what a lender approves depends on your full circumstances, and buying carries costs renting does not.

These calculators are general information for educational purposes only. They are not financial, credit, taxation or legal advice, they do not consider your personal circumstances, and their results are estimates that exclude fees and charges, and the stamp duty estimator uses general published rates only, so concessions, surcharges and current-year thresholds can move the real figure. Interest rates shown are examples only, not offers. Title Sales is not a lender, mortgage broker or credit assistance provider and receives nothing from any lender. Before acting, obtain advice from licensed professionals and read the full Disclaimer.