Funds Position Estimator

Map the complete funding position for any property purchase — funds required versus funds available, including debts to repay at settlement.

Property & Purchase

Purchase Cost Assumptions

Funding Sources

Purchase Summary

Total cost of the property (Established Price + Land + Construction + Site Costs).Total Property Price$600,000
Base Loan Amount plus Capitalised LMI. This is the total debt outstanding.Loan Amount$480,000
Sum of Transfer Duty (after concessions), Surcharges, and Registration Fees.Total Govt Costs$13,999
Total LMI Premium plus Stamp Duty on LMI. Capitalised into the loan — not a separate cash cost.LMI (capitalised into loan)$0
Total Package Price plus Total Purchase Costs. This is the total cash needed for settlement.Total to Fund$618,999

Funding Position Worksheet

Notice:

These calculators and estimators serve as general guides and are intended for illustrative use only. These calculators do not constitute financial, credit, taxation or investment advice. Because details may be incomplete or subject to change, these calculators, estimators and print version should not be treated as definitive sources of truth. The findings are generated from data provided by you and variables from external sources and assumptions used within the calculators. As such, this information can change frequently and may not always be current. You are responsible for confirming the accuracy, relevance, and completeness of these data points as they pertain to your specific situations. We provide no guarantees regarding the precision of the outputs of any calculators or estimators. Results should be treated as illustrative only and verified with appropriate professional advice. We accept no liability for any loss, damage, or consequence resulting from your reliance on the information they provide.

Funding Position Summary

13 March 2026
House & Land / New BuildVICINV
Property Details
Property TypeNew Build
StateVIC
Purchaser TypeINV
Vacant Land$300,000
Construction$280,000
Site Costs$20,000
Total Property Price$600,000
Purchase Cost Assumptions
LVR80%
Transfer Duty$13,070
Govt Fees$929
Total Govt Costs$13,999
LMI (capitalised)$0
Bank App Fee$1,000
Conveyancing$2,000
Sundries$2,000
Total to Fund$618,999
Funding Position Worksheet
Funds Required
Purchase Amount$600,000
Stamp Duty – Transfer of Land$13,070
Titles Office – Mortgage$126
Titles Office – Transfer of Land$804
Titles Office – Mortgage Discharge$0
Establishment Fee$1,000
Legal Costs$2,000
Discharge Cost$0
LMI (capitalised)$0
Other / Sundries$2,000
SubTotal Funds Required$618,999
Total Funds Required$618,999
Funds Available
Loan Sought$480,000
Total Lend$480,000
Total Security$600,000
Loan Value Ratio80.00% (80.00% inc. LMI)
Total Funds Available$480,000
Funds Shortfall: $138,999
Notice:

These calculators and estimators serve as general guides and are intended for illustrative use only. These calculators do not constitute financial, credit, taxation or investment advice. Because details may be incomplete or subject to change, these calculators, estimators and print version should not be treated as definitive sources of truth. The findings are generated from data provided by you and variables from external sources and assumptions used within the calculators. As such, this information can change frequently and may not always be current. You are responsible for confirming the accuracy, relevance, and completeness of these data points as they pertain to your specific situations. We provide no guarantees regarding the precision of the outputs of any calculators or estimators. Results should be treated as illustrative only and verified with appropriate professional advice. We accept no liability for any loss, damage, or consequence resulting from your reliance on the information they provide.

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