Plan the whole purchase in one spreadsheet
The NSW First Home Buyer Budget Planner puts stamp duty, repayments, your monthly budget and a savings plan together, with a dashboard that updates as you go.
- 2026–27 NSW rates
- Excel, Google Sheets & Numbers
- Instant download
Your balance over time
How the amount you owe falls as you repay, with and without your extra repayments.
Cash you'll need upfront
Your deposit plus NSW stamp duty, before legal and moving costs.
About lenders mortgage insurance
Most lenders charge LMI when you borrow more than 80% of the property's value. It can add thousands to your costs, so a 20% deposit is the usual target. Some first home buyer schemes let you buy with less without paying LMI.
Work out stamp duty in detail →Common questions
The short answers buyers most often look for.
Is fortnightly better than monthly?
Paying fortnightly means 26 payments a year. If you pay half your monthly amount each fortnight, that adds up to an extra month's repayment every year, which cuts years and interest off the loan.
What does interest only mean?
You only pay the interest, so repayments are lower but the loan balance doesn't go down. It's more common for investors, and usually only for the first few years.
How much do extra repayments help?
Every extra dollar goes straight off the balance, so you pay less interest from then on. Use the slider above to see how many years and dollars you'd save.
Does this include fees?
No. Lender fees, LMI and offset accounts change the real cost. Compare the comparison rate on any loan you're offered, not just the headline rate.