Calculate transfer duty on a NSW purchase before you commit to a price. Duty is payable within three months of exchange rather than at settlement, and it usually cannot be added to the loan, so it needs to be budgeted as cash.
A calculator gives you an estimate against one set of assumptions. A lender gives you an assessment against its own policy, and the two rarely match exactly. Two lenders looking at identical figures can reach very different answers on what you can borrow and what it will cost.
That gap is the reason to run the numbers here first, then have them checked. We compare more than 40 lenders and will tell you plainly where your real position sits.
The calculations do not take into account all fees and charges. The results provided by this calculator are an estimate only, and should not be relied on for the purpose of making a decision in relation to a loan. Interest rates and other costs can change over time, affecting the total cost of the loan. Borrowers should consider discussing their individual situation with a qualified Australian Credit Licensee or authorised Credit Representative.
APW Finance Pty Ltd delivers expert lending solutions with personalised service, empowering clients across residential, commercial, and business sectors.