Property Buying Upfront Cost

Calculator (Stamp Duty, LMI etc.)

Need a new home loan? We compare home loans from a panel of more than 20 home loan lenders including all the major banks.

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Calculate your upfront cost to purchase a property. This calculator is especially useful for someone trying to figure out how much stamp duty and LMI is payable when buying a property. It also calculates minimum savings you need to have to buy properties of different price point. Please be aware it is an indication only without considering a few other factors. Also, see our...


- Home Loan Repayment Calculator

- Compare Loan Repayments for refinancing

- Borrowing Power Calculator

- Property Ownership Ongoing Expense Calculator  

Property Upfront Cost Calculator

(Stamp duty, LMI, conveyancing, settlement etc.)

Property Usage


Property Value

First Property Buyer?


Property Type?


Which State?


Savings amount

Stamp Duty Cost

Property Stamp Duty


Registration of Title & Discharge


Registration of Transfer


Other Property Costs

Lenders Mortgage Insurance (LMI Cost)


Legal & Conveyancing


Bank Settlement Cost




Total Upfront Cost

Total Upfront Property Buying Cost


Minimum Deposit Required


Savings Amount Surplus 


* No LMI if borrowing less than 80% of the property value

So What's Next?

Office Waiting Room

Meet with an expert broker

Call us or set up an appointment online instantly with one of our expert mortgage brokers and get the ball rolling today!

Golden Key Mortgage Lending and Home Loa

Get a home loan


How to arrange all your docs necessary for the home loan and get a pre-approval, so you know exactly how much you can get.

Aerial View of Suburban Street

Find a property

you like

Check out the crucial aspects when searching for a property that will help you make a very informed decision like a pro.

home keys

Final Application & Property Settlement

Steps to take once you have found the property to finalise the finance and settlement so that there is no surprise! 


Check out your property financing options

First Home Buyer

"Our expert mortgage brokers can simplify the home loan process for the first home buyers for free"

Refinance Home Loan

"Our expert mortgage brokers can help you get a better rate or help you cash out for business or another property"

SMSF Home Loans

"Want to invest in properties using your Self-Managed Super Fund? Our expert brokers can help you with the entire process"

Commercial Development

"Are you planning to invest in commercial and residential property development? Our experienced brokers can help you secure the right funding fast" 

Construction Loan

"Want to build your own home as an owner builder? Talk to us and find out if you can qualify to secure the fund for your construction"

Investment Home Loans

"Do you already own a number of investment properties and want a sound ongoing financing solution for future investments? Our specialist brokers can help"

We can help...

Call 0468 702 672

Call us on 0468 702 672 or 0468 424 315 or 0430 362 226. We will answer all your queries instantly or ASAP.

Book appointment

Book an appointment online instantly and one of our expert mortgage brokers will be in touch with you regarding your finance.

Find a broker

Our expert mortgage brokers will meet you at a place and time convenient for you. It is a free premium service for you.

Visit our office

Come and visit us at our office close you. We have a number of offices  and mobile mortgage brokers across Sydney.

Available Home Loans 

Your Financing Options

When it comes to finding a mortgage, the possibilities are endless. However, being overwhelmed by mortgage choices doesn’t mean you should take whatever is offered to you first. Contact us for more information about different types of mortgage loans and we’ll be happy to explain them and help you find one that suits your needs and preferences.

Variable Rate Mortgage

The Right Loan for You

The variable rate mortgage is very popular in Australia. Golden Key Mortgage & Finance finds its clients among the most competitive interest rate loans in the real estate market. We would be happy to discuss the details of the variable rate mortgage and customize it in order to suit your specific needs and financial situation. Are you wondering that if you have a good rate? Contact us to find out if you’re eligible, and whether this would be a good fit for your needs.

Fixed Rate Mortgage

A Brighter Future

It’s easy to get lost while navigating all the different types of loans available for home buying. The Fixed Rate home loan could be the right one for you, but it’s important that clients understand all implications before signing something they could later regret. Contact us now in order to discuss the benefits and disadvantages, and together we’ll decide whether this is the right mortgage for you.

Split Rate Mortgage

Prospective Property Owners

We have been helping clients around Sydney area with their real estate investments. The Split Rate Mortgage is popular for some, but may not be appropriate for everyone. Call us to learn more about the implications and to find out whether this would be a good mortgage for your financing needs. We will provide all the necessary information for you to make an educated decision so that you can relax knowing that, you made the best decision.

Interest only Mortgage

Savvy Property Investor

You repay only the interest on the borrowed amount usually for the first one to five years of the loan, although some lenders offer longer terms. Your monthly repayments are lower because you’re not paying off the principal. At the end of the interest-only period, you begin to pay off both interest and principal. These loans are especially popular with investors who plan to pay off the principal when the property is sold, having achieved capital growth.

Low Doc Mortgage loans

Loan for Self Employed

Low Doc home loans are designed for self-employed people who don’t have all the financial documents providing proof of income usually required to secure a home loan. The low-doc mortgage loan can be both variable and fixed rate home loan. Navigating a path through the mortgage maze can seem confusing – especially with so much document required by different lenders. Golden Key Mortgage brokers in Sydney will help you along the entire process.

Other Common Mortgage types

Seasoned Property Owners

There are so many other types of home loans available in the market catering to different kinds of home loan borrowers. The following loans are very specific and suits borrowers with certain circumstances such as Construction Loans, Introductory Rate Loans, Bridging Loans, Line of Credit / Equity Line, Reverse Mortgage etc. Call a Golden Key Home Loan Broker in Sydney today and take the guess part, out of your mortgage financing plan.

Contact us for more details about the types of loan products and services we offer our clients.