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Upfront and ongoing costs calculator

RAMS Upfront and Ongoing Costs Calculator can help you estimate the expenses you will incur when purchasing a property, such as stamp duty, conveyancing fees, rates and utilities. Plan your budget and avoid any unpleasant surprises.

Upfront and ongoing costs calculator

Fees and costs when buying a house are not limited to the agreed property price. Government fees, Lenders Mortgage Insurance (where applicable), council rates and utilities all add up. That’s on top of upfront costs such as conveyancing fees, property inspections and removal costs. It’s crucial for you to have a good understanding of the upfront and ongoing costs when putting down an offer for a property.

Do you wish to calculate your total home buying costs? Our handy tool can help! For best results, fill in the details of your property transaction (including your state or territory) to estimate what your upfront and ongoing costs would be, including Lenders Mortgage Insurance if any.

What are the upfront and ongoing costs calculator


The results of this calculator are estimates only. They are based on the information you have provided. If you change any of the information, including the interest rate, you will obtain a different result. Other fees, charges and costs may apply. This is not an offer of credit, and you should not rely on it. The actual amount you can borrow, and the applicable loan repayments, can only be determined once you submit a full application to us and we assess your application using our credit criteria applicable at that time. These estimates are indicative only and actual costs and the amount you could borrow may vary based on a number of factors including loan purpose. Before acting on the results of this calculator you should seek professional advice and contact your local RAMS Home Loan Specialist.

Comparison rate
*Please note: The comparison rate for the relevant product is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Other calculators you might want to check out

Whether buying a new home, refinancing an existing home loan or investing in property, RAMS mortgage calculators can give you an estimate of what your repayments could be, based on your home loan amount, your loan type and the interest rate you think you'll be paying. Once you get an idea of your mortgage repayments from the calculator, together with the rest of your budget, you'll start to see whether you can realistically afford the home you want to buy. Your local RAMS franchisee can also help guide you through this process.

Borrowing calculator

Whether buying your own home or an investment property, your ability to do so will largely depend on affordability. Having an honest look at your current salary, debts and expenses will assist in establishing your borrowing power - which is the estimated amount your home loan lender might lend you, based on your current circumstances.

Offset calculator

An offset account is an everyday deposit account which is linked to your variable rate home loan: the money you hold in this offset account can reduce the amount of interest payable on your home loan.  Additionally, the offset account acts as an everyday account and you can access your funds anytime.

Stamp duty calculator

Don't be surprised by unexpected costs when buying a home. RAMS stamp duty calculator will show you how much in government fees and charges you can expect to pay in the state or territory you’re buying in. 

Speak to a home loan specialist