Buying property in Victoria involves more than just the purchase price — stamp duty, government fees, and lenders mortgage insurance (LMI) can add tens of thousands of dollars to your upfront costs. To make this easier to navigate, I’ve built a free Victorian Property Purchase Calculator using the latest 2025/26 rates.
The calculator handles two common scenarios:
It covers all three buyer types — Investment, Principal Place of Residence (PPR), and First Home Buyer (FHB) — applying the correct stamp duty rates and concessions for each. First Home Buyers purchasing a new home also have the $10,000 First Home Owner Grant (FHOG) factored in automatically.
LMI is calculated dynamically based on your Loan to Value Ratio (LVR) and is shown inclusive of Victoria’s 10% stamp duty on LMI premiums. Government fees — including the Transfer of Land Fee and Mortgage Registration Fee — are calculated using the current 2025/26 Land Use Victoria schedule.
Give it a try before your next property purchase. Property Calculator