A purchase-price snapshot for first home buyers using a family guarantee — the full price plus stamp duty financed into one loan, no cash deposit required. Victoria's first home buyer stamp duty concession is applied automatically where it's eligible.
Change the rate to show what a different offer would mean for the same price range.
Based on the loan amount after stamp duty is added — hover a bar for the exact figure.
Stamp duty, total loan amount and repayment at each price point.
| Purchase price | Stamp duty | FHB saving | Total loan | Fortnightly repayment |
|---|
Total loan = purchase price + stamp duty, reflecting a family guarantee structure where the guarantor's security covers the gap instead of a cash deposit — this typically also avoids Lenders Mortgage Insurance.
Stamp duty shown is Victoria's first home buyer concession: nil duty up to $600,000, a sliding-scale concession from $600,000–$750,000, and standard duty above $750,000. “FHB saving” is the difference against the standard (non-concession) duty a non-first-home-buyer would pay at the same price.
Repayments are principal & interest estimates only, for illustration. The actual rate, fees and borrowing capacity depend on the lender's assessment of your situation — this isn't a loan offer or personal financial advice.
