Home deposit calculator
Turn a purchase price and deposit percent into the cash needed, loan size and LVR.
What the result means
A deposit is the cash you put in at purchase. Lenders look at the leftover loan as a percentage of the property value (LVR).
How it is calculated
Deposit = price × %. Loan = price − deposit. LVR = loan / price
- Price: Purchase price used as the valuation in this simple model.
Percent is of the property price, not of the loan.
Assumptions
- Estimates only — not tax, legal, credit or financial advice. Check the official source or your contract before relying on a figure.
- Valuation equals purchase price.
- No LMI, grants or stamp duty.
Worked example
20% of $850,000
A common 80% LVR example.
- Deposit
- $170,000
- Loan
- $680,000
Many lenders treat 80% LVR as the usual line before LMI. Confirm with the lender.
Stamp duty and LMI sit outside this figure
Buying costs include stamp duty, inspections and often lenders mortgage insurance below 20% deposit. Stamp duty is state-specific and not calculated here until a jurisdiction’s official table is encoded.
Questions
Is 20% required?
No. Many loans are available at higher LVR with LMI. 20% is a common planning target, not a law.
Related calculators
Sources
Moneysmart (ASIC)
Last reviewed 2026-08-19
Home · Last reviewed 2026-08-19
Estimates only. Not tax, legal or financial advice. Check official sources before relying on a figure.
Printed from OzCalc (ozcalc.com). Last reviewed 2026-08-19. Estimates only — not tax, legal or financial advice.