Estimate the costs of purchasing property in Western Australia

WA Property Purchase Cost Estimator

Buying a property involves more than providing a deposit. Depending on the transaction, you may also need funds for transfer duty, conveyancing, inspections, lender costs, mortgage registration, moving and other expenses.

Use this calculator to estimate selected Western Australian property-purchase costs and the funds that may be required before settlement.

Results are indicative only. Actual costs depend on the transaction date, property, eligibility, lender, service providers and individual circumstances.

WA transfer-duty assumptions

This calculator will use published Western Australian transfer-duty rates and first-home buyer thresholds applicable to eligible transactions entered into on or after 7 May 2026.

Duty assumptions last reviewed: 9 November 2026.

Transfer duty can depend on the agreement date, dutiable value, property type, buyer eligibility and applicable concessions. Confirm the result using the official RevenueWA calculator or with your conveyancer or settlement agent before relying on it.

Property purchase price

Enter the intended purchase price or estimated dutiable value.

Buyer type

Selecting first-home buyer does not confirm eligibility.

Property type

Enter deposit as

Deposit percentage

Conveyancing or settlement-agent allowance

Building inspection allowance

Pest inspection allowance

Lender, valuation or loan cost allowance

Mortgage registration and government cost allowance

Enter a current estimate supplied by your settlement agent or lender where available.

Moving-cost allowance

Other entered purchase costs

This may include insurance, initial repairs or another identified purchase allowance.

INDICATIVE PURCHASE COSTS

Your estimated property-purchase position

Total estimated upfront funds required $162,250.00

Deposit plus estimated transfer duty and entered purchase costs.

Purchase price $700,000.00

Entered deposit $140,000.00

Indicative base loan amount $560,000.00

Estimated WA transfer duty $16,150.00

Other entered purchase costs $6,100.00

Indicative loan-to-value ratio 80.00%

Estimated cost breakdown

Deposit: $140,000.00
Transfer duty: $16,150.00
Conveyancing or settlement allowance: $1,800.00
Building inspection allowance: $600.00
Pest inspection allowance: $300.00
Lender or valuation allowance: $600.00
Registration and government allowance: $400.00
Moving-cost allowance: $2,000.00
Other entered costs: $0.00

First-home owner rate applied

The estimate applies the eligible home-and-land first-home owner rate for a value between $600,001 and $800,000.

How the main figures were calculated

Indicative loan amount

$700,000 - $140,000 = $560,000

Indicative LVR

$560,000 / $700,000 x 100 = 80.00%

Other purchase costs

Entered allowances total $6,100

Total upfront funds

$140,000 + $16,150 + $6,100 = $162,250

Confirm transfer duty before relying on this estimate

Duty can depend on the agreement date, dutiable value, property type, purchaser eligibility and other transaction circumstances. Confirm the amount using RevenueWA's official calculator or with your settlement agent or conveyancer.

Open the RevenueWA Transfer Duty Calculator

Calculation assumptions

Transfer-duty assumptions apply to eligible agreements entered into on or after 7 May 2026.
General duty is calculated using the published progressive Western Australian transfer-duty brackets.
First-home buyer duty applies only when first-home buyer eligibility is selected and the entered property type and value fall within the applicable thresholds.
Each "$100 or part thereof" duty component is rounded up to the next whole $100 before applying the relevant rate.
The deposit is deducted from the purchase price to calculate the indicative base loan amount.
Lender's mortgage insurance, settlement adjustments, foreign buyer duty and specialised concessions are excluded.

Duty assumptions last reviewed: 9 November 2026.

This calculator provides estimates only and does not constitute taxation, legal, settlement, credit or financial advice. It does not confirm transfer duty, first-home buyer eligibility, lender's mortgage insurance, borrowing capacity, lender approval or the final funds required at settlement. Obtain confirmation from RevenueWA, your settlement agent, conveyancer, lender and other relevant advisers.

Foreign purchasers: This estimator does not calculate foreign transfer duty. Foreign buyer duty may apply in addition to ordinary or concessional transfer duty. Confirm the amount directly with RevenueWA and your settlement representative.

Planning a property purchase in Western Australia?

LNL Finance can help you review your deposit, potential purchase costs and suitable home-loan options.

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What Information Will the Calculator Use?

The calculator will ask for:

Property purchase price
Buyer type:
- First-home buyer
- Other owner-occupier
- Property investor
Property type:
- New or established home
- Vacant land
Deposit:
- Dollar amount
- Or percentage
Estimated conveyancing or settlement-agent cost
Building inspection allowance
Pest inspection allowance
Lender or valuation cost
Moving-cost allowance
Other entered purchase costs

The tool will not attempt to calculate:

Lender’s mortgage insurance premiums
Foreign buyer duty
Off-the-plan concessions
Complex related-party transfers
Family-law transfers
Deceased-estate transactions
Business-asset duty
Farm concessions
Transactions entered into under earlier rates

These scenarios should be referred to , a settlement agent, conveyancer, tax adviser or legal professional as appropriate.

What the Estimate Will Show

The completed tool will display:

Purchase price
Entered deposit
Indicative base loan amount
Estimated WA transfer duty
Selected additional purchase costs
Total estimated upfront funds required
Indicative loan-to-value ratio
Potential LMI investigation warning
First-home buyer concession warning where relevant

Important LVR limitation

The calculated LVR will use:

Indicative loan amount ÷ entered purchase price × 100

A lender may use its own valuation rather than the purchase price. If the lender’s valuation is lower, the actual LVR and funds required may increase.

First-Home Buyer Duty Settings

For eligible new or established home purchases entered into on or after 7 May 2026:

No transfer duty is payable up to $600,000.
A concessional rate applies from $600,001 to $800,000.
The concession is unavailable above $800,000 under this rate schedule.

For eligible vacant land:

No transfer duty is payable up to $450,000.
A concessional rate applies from $450,001 to $550,000.
The concession is unavailable above $550,000 under this rate schedule.

Selecting “first-home buyer” in the calculator will not confirm eligibility. Eligibility must be assessed under the applicable Western Australian requirements.

Potential Lender’s Mortgage Insurance

Where the indicative loan exceeds 80% of the entered purchase price, the calculator will display:

The indicative loan-to-value ratio is above 80%. Lender’s mortgage insurance, additional costs, reduced lender choice or stricter requirements may apply. The calculator does not estimate an LMI premium.

LMI depends on the:

Lender
Mortgage insurer
Loan amount
Property value
LVR
Applicant circumstances
Property type
Whether any premium is capitalised

Do not include a generic LMI percentage because premiums are provider and application specific.

Frequently Asked Questions

No. It provides an estimate using the figures entered and the stated assumptions. Your settlement agent, conveyancer, lender and documentation should be used to confirm actual amounts.
No. Selecting first-home buyer applies an indicative calculation only. Eligibility must be confirmed under current government criteria.
No. It displays a warning where the indicative LVR exceeds 80%, but it does not calculate an LMI premium.
No. It includes the selected allowances entered by the visitor. Actual inspections, legal work, lender costs, adjustments, insurance, repairs and moving expenses may differ.
Duty is applied to the dutiable value. This is generally the consideration, but the unencumbered value may apply where it is higher or the consideration cannot be determined.
WA duty rates and concessions are generally applied according to the date the agreement is entered into, not the settlement date.

WA Property Purchase Cost Estimator