Australian Mortgage Calculator
Comprehensive mortgage calculations for Australian property buyers. All amounts in AUD.
Quick Calculations
LVR (Loan to Value Ratio)
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Monthly Repayment (P&I)
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Interest Only Repayment
Monthly IO = Principal × (Annual Rate / 12)
Example: $500,000 at 6.5%
- Monthly IO: $2,708
Stamp Duty by State (2024-25)
NSW (New South Wales)
| Property Value | Duty Rate |
|---|
| $0 – $16,000 | 1.25% |
| $16,001 – $35,000 |
$200 + 1.50% of excess |
| $35,001 – $93,000 | $485 + 1.75% of excess |
| $93,001 – $351,000 | $1,500 + 3.50% of excess |
| $351,001 – $1,168,000 | $10,530 + 4.50% of excess |
| Over $1,168,000 | $47,295 + 5.50% of excess |
First Home Buyer: Full exemption up to $800,000; concession $800,001-$1,000,000
VIC (Victoria)
| Property Value | Duty Rate |
|---|
| $0 – $25,000 | 1.4% |
| $25,001 – $130,000 |
$350 + 2.4% of excess |
| $130,001 – $960,000 | $2,870 + 6.0% of excess |
| Over $960,000 | 5.5% flat |
First Home Buyer: Full exemption up to $600,000; concession $600,001-$750,000
QLD (Queensland)
| Property Value | Duty Rate |
|---|
| $0 – $350,000 | 1.0% (min $0) |
| $350,001 – $540,000 |
$3,500 + 3.5% of excess |
| $540,001 – $1,000,000 | $10,150 + 4.5% of excess |
| Over $1,000,000 | $30,850 + 5.75% of excess |
First Home Buyer: Full exemption up to $700,000 (for new homes); concession for established
WA (Western Australia)
| Property Value | Duty Rate |
|---|
| $0 – $120,000 | 1.9% |
| $120,001 – $150,000 |
$2,280 + 2.85% of excess |
| $150,001 – $360,000 | $3,135 + 3.80% of excess |
| $360,001 – $725,000 | $11,115 + 4.75% of excess |
| Over $725,000 | $28,453 + 5.15% of excess |
First Home Buyer: Full exemption up to $430,000; concession $430,001-$530,000
SA (South Australia)
| Property Value | Duty Rate |
|---|
| $0 – $12,000 | 1.0% |
| $12,001 – $30,000 |
$120 + 2.0% of excess |
| $30,001 – $50,000 | $480 + 3.0% of excess |
| $50,001 – $100,000 | $1,080 + 3.5% of excess |
| $100,001 – $200,000 | $2,830 + 4.0% of excess |
| $200,001 – $250,000 | $6,830 + 4.25% of excess |
| $250,001 – $300,000 | $8,955 + 4.75% of excess |
| $300,001 – $500,000 | $11,330 + 5.0% of excess |
| Over $500,000 | $21,330 + 5.5% of excess |
First Home Buyer: No stamp duty for properties up to $650,000 (eligible buyers)
TAS (Tasmania)
| Property Value | Duty Rate |
|---|
| $0 – $3,000 | $50 |
| $3,001 – $25,000 |
$50 + 1.75% of excess |
| $25,001 – $75,000 | $435 + 2.25% of excess |
| $75,001 – $200,000 | $1,560 + 3.50% of excess |
| $200,001 – $375,000 | $5,935 + 4.00% of excess |
| $375,001 – $725,000 | $12,935 + 4.25% of excess |
| Over $725,000 | $27,810 + 4.50% of excess |
First Home Buyer: 50% duty discount for properties up to $600,000
NT (Northern Territory)
| Property Value | Duty Rate |
|---|
| $0 – $525,000 | V = 0.06571441 × V^2 ÷ 1000 |
| Over $525,000 |
5.45% flat minus $4,823.45 |
First Home Buyer: Up to $18,601 discount for properties under $650,000
ACT (Australian Capital Territory)
| Property Value | Duty Rate |
|---|
| $0 – $260,000 | $0.60 per $100 or part |
| $260,001 – $300,000 |
$1,560 + $2.20 per $100 |
| $300,001 – $500,000 | $2,440 + $3.40 per $100 |
| $500,001 – $750,000 | $9,240 + $4.32 per $100 |
| $750,001 – $1,000,000 | $20,040 + $5.90 per $100 |
| $1,000,001 – $1,455,000 | $34,790 + $6.40 per $100 |
| Over $1,455,000 | $63,910 + $4.54 per $100 |
First Home Buyer: Full exemption up to $1,000,000 (income-tested)
LMI (Lenders Mortgage Insurance)
LMI is required when LVR > 80%. Estimated rates:
| LVR | LMI as % of Loan |
|---|
| 80.01% – 85% | 0.5% – 1.0% |
| 85.01% – 90% |
1.5% – 2.5% |
| 90.01% – 95% | 3.0% – 4.5% |
Example: $600,000 loan at 90% LVR
- - LMI estimate: ~$12,000 – $15,000 (can be added to loan)
Note: Actual LMI varies by lender, LVR tier, loan amount, and borrower profile. Use lender calculators for exact quotes.
First Home Owner Grant (FHOG)
| State | Grant Amount | Property Cap |
|---|
| NSW | $10,000 | $600,000 (new homes only) |
| VIC |
$10,000 | $750,000 (regional: higher) |
| QLD | $30,000 | $750,000 (new homes only) |
| WA | $10,000 | $750,000 (new homes) |
| SA | $15,000 | $650,000 (new homes only) |
| TAS | $30,000 | $600,000 (new homes only) |
| NT | $10,000 | No cap (new homes) |
| ACT | Abolished | — |
Borrowing Power (Quick Estimate)
Basic rule of thumb:
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Factors affecting actual borrowing power:
- - Income type (PAYG vs self-employed)
- Existing debts (credit cards, HECS, car loans)
- Living expenses (HEM benchmark)
- Interest rate buffer (usually +3%)
- Dependents
Key Contacts
- - Revenue NSW: revenue.nsw.gov.au
- State Revenue Victoria: sro.vic.gov.au
- Queensland Treasury: qld.gov.au/housing
- WA RevenueWA: wa.gov.au/revenuelicensing
- RevenueSA: revenuesa.sa.gov.au
- Tasmania State Revenue: treasury.tas.gov.au
- NT Treasury: treasury.nt.gov.au
- ACT Revenue: revenue.act.gov.au
Disclaimer
This skill provides estimates for educational purposes only. Stamp duty rates, concessions, and grants change periodically. Always verify with official state revenue offices and consult a qualified mortgage broker or financial advisor before making property decisions.
Built by Oney & Co — Helping Australians navigate lending with clarity.
澳大利亚房贷计算器
为澳大利亚购房者提供的全面房贷计算。所有金额以澳元计。
快速计算
LVR（贷款价值比）
LVR = (贷款金额 / 房产价值) × 100
示例：
- - 房产：$800,000
- 贷款：$640,000
- LVR：80%
月供（本息同还）
M = P × [r(1+r)^n] / [(1+r)^n – 1]
其中：
- - P = 本金（贷款金额）
- r = 月利率（年利率 / 12）
- n = 总月数（贷款期限 × 12）
示例：$500,000贷款，利率6.5%，期限30年
- - 月利率：0.065/12 = 0.00542
- 月数：360
- 月供：$3,160
只还利息
月供IO = 本金 × (年利率 / 12)
示例：$500,000，利率6.5%
各州印花税（2024-25财年）
新南威尔士州（NSW）
| 房产价值 | 税率 |
|---|
| $0 – $16,000 | 1.25% |
| $16,001 – $35,000 |
$200 + 超出部分1.50% |
| $35,001 – $93,000 | $485 + 超出部分1.75% |
| $93,001 – $351,000 | $1,500 + 超出部分3.50% |
| $351,001 – $1,168,000 | $10,530 + 超出部分4.50% |
| 超过$1,168,000 | $47,295 + 超出部分5.50% |
首次购房者：$800,000以下全额豁免；$800,001-$1,000,000享受优惠
维多利亚州（VIC）
| 房产价值 | 税率 |
|---|
| $0 – $25,000 | 1.4% |
| $25,001 – $130,000 |
$350 + 超出部分2.4% |
| $130,001 – $960,000 | $2,870 + 超出部分6.0% |
| 超过$960,000 | 5.5%统一税率 |
首次购房者：$600,000以下全额豁免；$600,001-$750,000享受优惠
昆士兰州（QLD）
| 房产价值 | 税率 |
|---|
| $0 – $350,000 | 1.0%（最低$0） |
| $350,001 – $540,000 |
$3,500 + 超出部分3.5% |
| $540,001 – $1,000,000 | $10,150 + 超出部分4.5% |
| 超过$1,000,000 | $30,850 + 超出部分5.75% |
首次购房者：$700,000以下全额豁免（仅限新房）；二手房享受优惠
西澳大利亚州（WA）
| 房产价值 | 税率 |
|---|
| $0 – $120,000 | 1.9% |
| $120,001 – $150,000 |
$2,280 + 超出部分2.85% |
| $150,001 – $360,000 | $3,135 + 超出部分3.80% |
| $360,001 – $725,000 | $11,115 + 超出部分4.75% |
| 超过$725,000 | $28,453 + 超出部分5.15% |
首次购房者：$430,000以下全额豁免；$430,001-$530,000享受优惠
南澳大利亚州（SA）
| 房产价值 | 税率 |
|---|
| $0 – $12,000 | 1.0% |
| $12,001 – $30,000 |
$120 + 超出部分2.0% |
| $30,001 – $50,000 | $480 + 超出部分3.0% |
| $50,001 – $100,000 | $1,080 + 超出部分3.5% |
| $100,001 – $200,000 | $2,830 + 超出部分4.0% |
| $200,001 – $250,000 | $6,830 + 超出部分4.25% |
| $250,001 – $300,000 | $8,955 + 超出部分4.75% |
| $300,001 – $500,000 | $11,330 + 超出部分5.0% |
| 超过$500,000 | $21,330 + 超出部分5.5% |
首次购房者：$650,000以下房产免印花税（符合条件买家）
塔斯马尼亚州（TAS）
| 房产价值 | 税率 |
|---|
| $0 – $3,000 | $50 |
| $3,001 – $25,000 |
$50 + 超出部分1.75% |
| $25,001 – $75,000 | $435 + 超出部分2.25% |
| $75,001 – $200,000 | $1,560 + 超出部分3.50% |
| $200,001 – $375,000 | $5,935 + 超出部分4.00% |
| $375,001 – $725,000 | $12,935 + 超出部分4.25% |
| 超过$725,000 | $27,810 + 超出部分4.50% |
首次购房者：$600,000以下房产享受50%印花税折扣
北领地（NT）
| 房产价值 | 税率 |
|---|
| $0 – $525,000 | V = 0.06571441 × V² ÷ 1000 |
| 超过$525,000 |
5.45%统一税率减去$4,823.45 |
首次购房者：$650,000以下房产最高可享$18,601折扣
澳大利亚首都领地（ACT）
| 房产价值 | 税率 |
|---|
| $0 – $260,000 | 每$100或部分$0.60 |
| $260,001 – $300,000 |
$1,560 + 每$100 $2.20 |
| $300,001 – $500,000 | $2,440 + 每$100 $3.40 |
| $500,001 – $750,000 | $9,240 + 每$100 $4.32 |
| $750,001 – $1,000,000 | $20,040 + 每$100 $5.90 |
| $1,000,001 – $1,455,000 | $34,790 + 每$100 $6.40 |
| 超过$1,455,000 | $63,910 + 每$100 $4.54 |
首次购房者：$1,000,000以下全额豁免（需收入测试）
LMI（贷款机构抵押贷款保险）
当LVR > 80%时需要LMI。预估费率：
| LVR | LMI占贷款比例 |
|---|
| 80.01% – 85% | 0.5% – 1.0% |
| 85.01% – 90% |
1.5% – 2.5% |
| 90.01% – 95% | 3.0% – 4.5% |
示例：$600,000贷款，LVR 90%
- - LMI预估：~$12,000 – $15,000（可计入贷款）
注意：实际LMI因贷款机构、LVR等级、贷款金额和借款人情况而异。请使用贷款机构计算器获取精确报价。
首次购房者补助金（FHOG）
| 州 | 补助金额 | 房产上限 |
|---|
| NSW | $10,000 | $600,000（仅限新房） |
| VIC |
$10,000 | $750,000（偏远地区更高） |
| QLD | $30,000 | $750,000（仅限新房） |
| WA | $10,000 | $750,000（新房） |
| SA | $15,000 | $650,000（仅限新房） |
| TAS | $30,000 | $600,000（仅限新房） |
| NT | $10,000 | 无上限（新房） |
| ACT | 已废除 | — |
借贷能力（快速估算）
基本经验法则：
最大借贷额 ≈ (年收入 × 6) – 现有债务
更保守：
最大借贷额 ≈ (年收入 × 5) – 现有债务
影响实际借贷能力的因素：
