Already know your costs? Enter the property price, government charges, other costs and available funds to see how they fit together. Nothing is added unless you enter it.
This planner helps you compare the amounts you enter. It does not estimate borrowing capacity, recommend a loan amount or assess whether any credit product is suitable for you.
Property purchase planning tool
See how your property purchase funds fit together
The Property Purchase Planner combines only the figures you enter: property price,
government charges, known private costs, any genuinely separate building contract and
available funds. It does not estimate borrowing capacity or recommend a loan amount.
Start with the transaction cost
Enter the purchase price and current government charges. South Australian calculator
links are provided so statutory charges can be checked separately before they are
entered into the planner.
Add only costs you know
Private and settlement costs are included only when you enter them. The planner does not
insert a generic allowance for conveyancing, inspections, lender fees or other variable
transaction expenses.
Compare with available funds
The result shows the amount not covered by the funds entered, or funds remaining when
entered funds exceed the entered transaction costs. This is arithmetic only, not a
lending assessment.
No. It does not assess income, liabilities, lender policy, serviceability, credit
history or product suitability. Those matters require a separate credit assessment.
Does it assume conveyancing, inspection or lender fees?
No. Variable private costs are included only when you enter an amount you have obtained
or chosen to use for planning.
Are grants automatically included as available funds?
No. Grants are not automatically counted. Eligibility, timing and payment treatment can
differ, so only funds you choose to enter are included in the arithmetic.
