Borrowing Power Calculator
Carlisle Homes' Borrowing Power Calculator helps you estimate your borrowing capacity based on your income and expenses. Start planning your dream home!
View nowCosts Of Buying A House Calculator
Ready To Buy A House? Carlisle Homes Is Here To Help
Carlisle Homes developed the Costs of Buying a House Calculator to support your homeownership journey. This tool helps potential homeowners estimate the upfront costs, including stamp duty, lender mortgage insurance, and other fees. It also considers ongoing expenses like mortgage repayments and property maintenance, giving you a clear view of the financial commitments involved in purchasing a home and helping you take confident steps toward your dream.
Enter Your Details Into The House Buying Costs Calculator
To accurately calculate your house buying costs, enter the purchase price of the property, the applicable stamp duty based on your location, and any lenders mortgage insurance (LMI) if your deposit is less than 20%. Additionally, include legal fees for conveyancing and estimate your ongoing mortgage repayments by providing the loan term and expected interest rate. Accurate inputs will give you a clearer picture of the upfront and ongoing costs of buying a house.
Award-Winning Home Builder
Carlisle Homes is thrilled to be recognised as Australia's Most Professional Major Builder for 2023 by the Housing Industry Association (HIA). The HIA's annual awards program is the highest measurement of excellence within the residential building industry. So if you’re looking for award-winning home designs, ours are among the best in Australia.
How Does the Costs Of Buying A House Calculator Work?
The Costs of Buying a House Calculator considers various costs involved in purchasing a property. It estimates both upfront and weekly costs based on the purchase price and other factors. The calculator considers key expenses such as stamp duty, legal fees, real estate agent fees, mortgage registration fees, and conveyancing fees.
It also factors your loan amount, including whether you have a variable rate home loan, to calculate your monthly repayments. The tool assumes that the provided details, such as the loan term, interest rate, and property value, remain stable. For the best results, ensure that you input accurate information about your loan account and any other financial obligations related to the property purchase.
Backed by Experts
Our Costs of Buying a House Calculator is backed by insights from Carlisle Homes’ finance experts, ensuring reliable estimates based on current Australian home loan conditions. Designed to reflect the real costs of purchasing a property, this tool helps you confidently plan your budget and make informed financial decisions throughout the buying process.
2024 Master Builders Australia Large Residential Builder
2023 HIA Victoria’s Most Professional Builder
2023 HIA Australia’s Most Professional Builder
2023 Master Builders Australia Large Residential Builder
2023 Australian Achiever Awards Excellence in Customer Service
2022 HIA Victoria’s Most Professional Builder
2022 Master Builders Australia Large Residential Builder
2022 Australian Achiever Awards Excellence in Customer Service
2021 HIA Australia’s Most Professional Builder
2020 HIA Victoria Most Professional Builder
Homes Ready to Move Into
If you’re ready to move into a new Carlisle Home and don’t want to wait, we have a home that’s ready for you. Our beautiful, ready-built homes offer you and your family all the features you’re looking for. We’ve taken care of everything - all you have to do is move in!
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Use our Home Loan Repayment Calculator to estimate your monthly mortgage repayments. Compare fixed and variable rates to plan your budget—start now!
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Use Carlisle Home’s Deposit Savings Calculator to track your savings progress and reach your savings goals. Estimate how much interest you’ll earn!
View nowWe work with industry-leading finance specialists
Our in-house construction finance specialists offer you free, transparent and no obligation financial services, to save you time and money, and get you into your new home faster.
These industry-leading mortgage experts will take the time to ask the right questions to help you compare hundreds of loan options and find the most suitable loan for your individual needs.
Enquire now
Complete the form to start your home building journey today.
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Your information is collected by Carlisle Homes Pty Ltd and will be used and held in accordance with our Privacy Policy. This information is collected for the purpose of inclusion on our communications database and for the purpose of providing access to key features on our website. The purpose of this communications database is to provide members with information about Carlisle Homes and/or our related services or products. For further information on our Privacy Policy or our complaints process please read our Privacy Policy.
Success stories
Michael & Tina
From plans to renovate and extend to custom designed duplex townhomes – this busy young family soon realised that knocking down and rebuilding was their only option to build the home of their dreams.
See their story
Mitar & Tracey
With location a priority and a very clear idea of what they wanted in a new home, this clever couple made early plans to knockdown and rebuild.
See their story
Sameer & Priya
Offering so much space and brightness, this young family fell in love with the Montague Grand floorplan and could see the possibilities in creating a home exactly as they wanted.
See their story
Karlie & Sam
For first-home buyers Karlie and Sam, choosing to build an EasyLiving home was a bold leap into independence, marking their first time living out of home.
See their story
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Frequently Asked Questions
How accurate is the Costs Of Buying A House Calculator?
Our Cost Of Buying A House Calculator provides estimates based on the information you enter, such as the purchase price, stamp duty, and legal fees. While it’s a helpful guide, actual costs may vary depending on your location and lender terms.
Does the calculator include all upfront home-buying costs?
Yes, the calculator factors in major upfront costs such as stamp duty, legal fees, lenders mortgage insurance (LMI), and conveyancing fees. It gives a comprehensive estimate of the costs associated with purchasing a property.
Can I also use this calculator if I’m selling a house?
If you’re both buying and selling a property, we recommend using our separate Selling Cost Calculator to estimate the costs involved in selling your home, in addition to the costs provided by this calculator for purchasing a new property.
How does the calculator estimate my ongoing mortgage repayments?
The calculator estimates your monthly mortgage repayments using your loan amount, interest rate, and loan term. It shows how much you can expect to pay monthly, including whether you choose a variable-rate home loan or a fixed-rate option.
Can this calculator help me compare different property values?
The calculator allows you to input different property values to see how they impact your upfront costs and monthly repayments. You can adjust the purchase price and see how expenses like stamp duty and legal fees vary depending on the home's value.