{
  "title": "NSW deposit-cost scenarios: 5%, 10% and 20% deposits",
  "version": "2026-10-16",
  "publisher": "PropPocket",
  "scope": "12 illustrative scenarios, not observed transactions or representative market data",
  "review": "Internally checked against separate duty and repayment arithmetic. No independent professional review has been completed.",
  "assumptions": {
    "state": "NSW",
    "buyer": "Repeat owner-occupier; no concessions, surcharge or LMI waiver",
    "interestRatePercent": 6.1,
    "loanTermYears": 30,
    "repayment": "Monthly principal and interest, shown as annual amount / 52",
    "lmi": "Planning proxy paid upfront: 3.2% of base loan at 5% deposit; 2.2% at 10%; zero at 20%. Not an insurer quote.",
    "annualHoldingCosts": 10550,
    "holdingCostBreakdown": {
      "council": 2400,
      "strata": 4000,
      "insurance": 900,
      "repairs": 2500,
      "other": 750
    },
    "buyingCostBreakdown": {
      "legal": 2000,
      "inspections": 600,
      "other": 1000
    },
    "excluded": [
      "Retained emergency reserve",
      "Moving costs",
      "Buyer agent fees",
      "Costs above allowances",
      "Lender-specific pricing and loan approval",
      "Future prices, rent and saving time"
    ],
    "priceSelection": "Round values chosen to illustrate scale and two duty bands; not suburb medians or a probability sample"
  },
  "sources": [
    "https://www.revenue.nsw.gov.au/taxes-duties-levies-royalties/transfer-duty/understanding-transfer-duty/calculate-transfer-duty",
    "https://firsthomebuyers.gov.au/australian-government-5-percent-deposit-scheme",
    "https://www.helia.com.au/the-hub/calculators-estimators/lmi-fee-estimator",
    "https://moneysmart.gov.au/home-loans/buying-a-house"
  ],
  "rows": [
    {
      "purchasePrice": 600000,
      "depositPercentage": 5,
      "depositCash": 30000,
      "standardDuty": 21187,
      "indicativeLmi": 18240,
      "buyingCostAllowance": 3600,
      "upfrontCash": 73027,
      "upfrontPercent": 12.171166666666666,
      "loanPrincipal": 570000,
      "weeklyOwnershipCost": 1000,
      "href": "/bidready?st=nsw&ptype=not_sure&ownshare=1&fhb=0&price=600000&dep=5&lmitreat=standard&depositmode=percentage&cash=0&cashset=0&equity=0&eqvalue=0&eqdebt=0&eqlvr=80&eqamount=0&eqrate=6.3&eqterm=30&eqrepay=principal_and_interest&cashperiod=weekly&extra=0&extrafreq=monthly&lumpsum=0&lumpmonth=1&autolmi=1&lmi=0&autoduty=1&duty=40000&lmiquoted=0&dutyquoted=0&rate=6.1&repay=principal_and_interest&term=30&rent=1000&vacancy=0&council=2400&strata=4000&landtax=0&ins=900&agent=0&agentmode=auto&repairs=2500&other=750&nonded=0&capallow=0&buyeragent=0&conv=2000&inspect=600&buyother=1000&taxyear=2026-27&taxmode=band&taxrate=0.37&medicare=1&purpose=owner_occupier&taxtreat=established&taxstart=today&fhbtype=existing_home&fhbduty=compare&fhbdeposit=exploring&compare=preset"
    },
    {
      "purchasePrice": 600000,
      "depositPercentage": 10,
      "depositCash": 60000,
      "standardDuty": 21187,
      "indicativeLmi": 11880,
      "buyingCostAllowance": 3600,
      "upfrontCash": 96667,
      "upfrontPercent": 16.111166666666666,
      "loanPrincipal": 540000,
      "weeklyOwnershipCost": 958.05,
      "href": "/bidready?st=nsw&ptype=not_sure&ownshare=1&fhb=0&price=600000&dep=10&lmitreat=standard&depositmode=percentage&cash=0&cashset=0&equity=0&eqvalue=0&eqdebt=0&eqlvr=80&eqamount=0&eqrate=6.3&eqterm=30&eqrepay=principal_and_interest&cashperiod=weekly&extra=0&extrafreq=monthly&lumpsum=0&lumpmonth=1&autolmi=1&lmi=0&autoduty=1&duty=40000&lmiquoted=0&dutyquoted=0&rate=6.1&repay=principal_and_interest&term=30&rent=1000&vacancy=0&council=2400&strata=4000&landtax=0&ins=900&agent=0&agentmode=auto&repairs=2500&other=750&nonded=0&capallow=0&buyeragent=0&conv=2000&inspect=600&buyother=1000&taxyear=2026-27&taxmode=band&taxrate=0.37&medicare=1&purpose=owner_occupier&taxtreat=established&taxstart=today&fhbtype=existing_home&fhbduty=compare&fhbdeposit=exploring&compare=preset"
    },
    {
      "purchasePrice": 600000,
      "depositPercentage": 20,
      "depositCash": 120000,
      "standardDuty": 21187,
      "indicativeLmi": 0,
      "buyingCostAllowance": 3600,
      "upfrontCash": 144787,
      "upfrontPercent": 24.13116666666667,
      "loanPrincipal": 480000,
      "weeklyOwnershipCost": 874.14,
      "href": "/bidready?st=nsw&ptype=not_sure&ownshare=1&fhb=0&price=600000&dep=20&lmitreat=standard&depositmode=percentage&cash=0&cashset=0&equity=0&eqvalue=0&eqdebt=0&eqlvr=80&eqamount=0&eqrate=6.3&eqterm=30&eqrepay=principal_and_interest&cashperiod=weekly&extra=0&extrafreq=monthly&lumpsum=0&lumpmonth=1&autolmi=1&lmi=0&autoduty=1&duty=40000&lmiquoted=0&dutyquoted=0&rate=6.1&repay=principal_and_interest&term=30&rent=1000&vacancy=0&council=2400&strata=4000&landtax=0&ins=900&agent=0&agentmode=auto&repairs=2500&other=750&nonded=0&capallow=0&buyeragent=0&conv=2000&inspect=600&buyother=1000&taxyear=2026-27&taxmode=band&taxrate=0.37&medicare=1&purpose=owner_occupier&taxtreat=established&taxstart=today&fhbtype=existing_home&fhbduty=compare&fhbdeposit=exploring&compare=preset"
    },
    {
      "purchasePrice": 800000,
      "depositPercentage": 5,
      "depositCash": 40000,
      "standardDuty": 30187,
      "indicativeLmi": 24320,
      "buyingCostAllowance": 3600,
      "upfrontCash": 98107,
      "upfrontPercent": 12.263375,
      "loanPrincipal": 760000,
      "weeklyOwnershipCost": 1265.71,
      "href": "/bidready?st=nsw&ptype=not_sure&ownshare=1&fhb=0&price=800000&dep=5&lmitreat=standard&depositmode=percentage&cash=0&cashset=0&equity=0&eqvalue=0&eqdebt=0&eqlvr=80&eqamount=0&eqrate=6.3&eqterm=30&eqrepay=principal_and_interest&cashperiod=weekly&extra=0&extrafreq=monthly&lumpsum=0&lumpmonth=1&autolmi=1&lmi=0&autoduty=1&duty=40000&lmiquoted=0&dutyquoted=0&rate=6.1&repay=principal_and_interest&term=30&rent=1000&vacancy=0&council=2400&strata=4000&landtax=0&ins=900&agent=0&agentmode=auto&repairs=2500&other=750&nonded=0&capallow=0&buyeragent=0&conv=2000&inspect=600&buyother=1000&taxyear=2026-27&taxmode=band&taxrate=0.37&medicare=1&purpose=owner_occupier&taxtreat=established&taxstart=today&fhbtype=existing_home&fhbduty=compare&fhbdeposit=exploring&compare=preset"
    },
    {
      "purchasePrice": 800000,
      "depositPercentage": 10,
      "depositCash": 80000,
      "standardDuty": 30187,
      "indicativeLmi": 15840,
      "buyingCostAllowance": 3600,
      "upfrontCash": 129627,
      "upfrontPercent": 16.203375,
      "loanPrincipal": 720000,
      "weeklyOwnershipCost": 1209.77,
      "href": "/bidready?st=nsw&ptype=not_sure&ownshare=1&fhb=0&price=800000&dep=10&lmitreat=standard&depositmode=percentage&cash=0&cashset=0&equity=0&eqvalue=0&eqdebt=0&eqlvr=80&eqamount=0&eqrate=6.3&eqterm=30&eqrepay=principal_and_interest&cashperiod=weekly&extra=0&extrafreq=monthly&lumpsum=0&lumpmonth=1&autolmi=1&lmi=0&autoduty=1&duty=40000&lmiquoted=0&dutyquoted=0&rate=6.1&repay=principal_and_interest&term=30&rent=1000&vacancy=0&council=2400&strata=4000&landtax=0&ins=900&agent=0&agentmode=auto&repairs=2500&other=750&nonded=0&capallow=0&buyeragent=0&conv=2000&inspect=600&buyother=1000&taxyear=2026-27&taxmode=band&taxrate=0.37&medicare=1&purpose=owner_occupier&taxtreat=established&taxstart=today&fhbtype=existing_home&fhbduty=compare&fhbdeposit=exploring&compare=preset"
    },
    {
      "purchasePrice": 800000,
      "depositPercentage": 20,
      "depositCash": 160000,
      "standardDuty": 30187,
      "indicativeLmi": 0,
      "buyingCostAllowance": 3600,
      "upfrontCash": 193787,
      "upfrontPercent": 24.223375,
      "loanPrincipal": 640000,
      "weeklyOwnershipCost": 1097.89,
      "href": "/bidready?st=nsw&ptype=not_sure&ownshare=1&fhb=0&price=800000&dep=20&lmitreat=standard&depositmode=percentage&cash=0&cashset=0&equity=0&eqvalue=0&eqdebt=0&eqlvr=80&eqamount=0&eqrate=6.3&eqterm=30&eqrepay=principal_and_interest&cashperiod=weekly&extra=0&extrafreq=monthly&lumpsum=0&lumpmonth=1&autolmi=1&lmi=0&autoduty=1&duty=40000&lmiquoted=0&dutyquoted=0&rate=6.1&repay=principal_and_interest&term=30&rent=1000&vacancy=0&council=2400&strata=4000&landtax=0&ins=900&agent=0&agentmode=auto&repairs=2500&other=750&nonded=0&capallow=0&buyeragent=0&conv=2000&inspect=600&buyother=1000&taxyear=2026-27&taxmode=band&taxrate=0.37&medicare=1&purpose=owner_occupier&taxtreat=established&taxstart=today&fhbtype=existing_home&fhbduty=compare&fhbdeposit=exploring&compare=preset"
    },
    {
      "purchasePrice": 1000000,
      "depositPercentage": 5,
      "depositCash": 50000,
      "standardDuty": 39187,
      "indicativeLmi": 30400,
      "buyingCostAllowance": 3600,
      "upfrontCash": 123187,
      "upfrontPercent": 12.3187,
      "loanPrincipal": 950000,
      "weeklyOwnershipCost": 1531.41,
      "href": "/bidready?st=nsw&ptype=not_sure&ownshare=1&fhb=0&price=1000000&dep=5&lmitreat=standard&depositmode=percentage&cash=0&cashset=0&equity=0&eqvalue=0&eqdebt=0&eqlvr=80&eqamount=0&eqrate=6.3&eqterm=30&eqrepay=principal_and_interest&cashperiod=weekly&extra=0&extrafreq=monthly&lumpsum=0&lumpmonth=1&autolmi=1&lmi=0&autoduty=1&duty=40000&lmiquoted=0&dutyquoted=0&rate=6.1&repay=principal_and_interest&term=30&rent=1000&vacancy=0&council=2400&strata=4000&landtax=0&ins=900&agent=0&agentmode=auto&repairs=2500&other=750&nonded=0&capallow=0&buyeragent=0&conv=2000&inspect=600&buyother=1000&taxyear=2026-27&taxmode=band&taxrate=0.37&medicare=1&purpose=owner_occupier&taxtreat=established&taxstart=today&fhbtype=existing_home&fhbduty=compare&fhbdeposit=exploring&compare=preset"
    },
    {
      "purchasePrice": 1000000,
      "depositPercentage": 10,
      "depositCash": 100000,
      "standardDuty": 39187,
      "indicativeLmi": 19800,
      "buyingCostAllowance": 3600,
      "upfrontCash": 162587,
      "upfrontPercent": 16.2587,
      "loanPrincipal": 900000,
      "weeklyOwnershipCost": 1461.49,
      "href": "/bidready?st=nsw&ptype=not_sure&ownshare=1&fhb=0&price=1000000&dep=10&lmitreat=standard&depositmode=percentage&cash=0&cashset=0&equity=0&eqvalue=0&eqdebt=0&eqlvr=80&eqamount=0&eqrate=6.3&eqterm=30&eqrepay=principal_and_interest&cashperiod=weekly&extra=0&extrafreq=monthly&lumpsum=0&lumpmonth=1&autolmi=1&lmi=0&autoduty=1&duty=40000&lmiquoted=0&dutyquoted=0&rate=6.1&repay=principal_and_interest&term=30&rent=1000&vacancy=0&council=2400&strata=4000&landtax=0&ins=900&agent=0&agentmode=auto&repairs=2500&other=750&nonded=0&capallow=0&buyeragent=0&conv=2000&inspect=600&buyother=1000&taxyear=2026-27&taxmode=band&taxrate=0.37&medicare=1&purpose=owner_occupier&taxtreat=established&taxstart=today&fhbtype=existing_home&fhbduty=compare&fhbdeposit=exploring&compare=preset"
    },
    {
      "purchasePrice": 1000000,
      "depositPercentage": 20,
      "depositCash": 200000,
      "standardDuty": 39187,
      "indicativeLmi": 0,
      "buyingCostAllowance": 3600,
      "upfrontCash": 242787,
      "upfrontPercent": 24.2787,
      "loanPrincipal": 800000,
      "weeklyOwnershipCost": 1321.64,
      "href": "/bidready?st=nsw&ptype=not_sure&ownshare=1&fhb=0&price=1000000&dep=20&lmitreat=standard&depositmode=percentage&cash=0&cashset=0&equity=0&eqvalue=0&eqdebt=0&eqlvr=80&eqamount=0&eqrate=6.3&eqterm=30&eqrepay=principal_and_interest&cashperiod=weekly&extra=0&extrafreq=monthly&lumpsum=0&lumpmonth=1&autolmi=1&lmi=0&autoduty=1&duty=40000&lmiquoted=0&dutyquoted=0&rate=6.1&repay=principal_and_interest&term=30&rent=1000&vacancy=0&council=2400&strata=4000&landtax=0&ins=900&agent=0&agentmode=auto&repairs=2500&other=750&nonded=0&capallow=0&buyeragent=0&conv=2000&inspect=600&buyother=1000&taxyear=2026-27&taxmode=band&taxrate=0.37&medicare=1&purpose=owner_occupier&taxtreat=established&taxstart=today&fhbtype=existing_home&fhbduty=compare&fhbdeposit=exploring&compare=preset"
    },
    {
      "purchasePrice": 1500000,
      "depositPercentage": 5,
      "depositCash": 75000,
      "standardDuty": 63787,
      "indicativeLmi": 45600,
      "buyingCostAllowance": 3600,
      "upfrontCash": 187987,
      "upfrontPercent": 12.532466666666666,
      "loanPrincipal": 1425000,
      "weeklyOwnershipCost": 2195.68,
      "href": "/bidready?st=nsw&ptype=not_sure&ownshare=1&fhb=0&price=1500000&dep=5&lmitreat=standard&depositmode=percentage&cash=0&cashset=0&equity=0&eqvalue=0&eqdebt=0&eqlvr=80&eqamount=0&eqrate=6.3&eqterm=30&eqrepay=principal_and_interest&cashperiod=weekly&extra=0&extrafreq=monthly&lumpsum=0&lumpmonth=1&autolmi=1&lmi=0&autoduty=1&duty=40000&lmiquoted=0&dutyquoted=0&rate=6.1&repay=principal_and_interest&term=30&rent=1000&vacancy=0&council=2400&strata=4000&landtax=0&ins=900&agent=0&agentmode=auto&repairs=2500&other=750&nonded=0&capallow=0&buyeragent=0&conv=2000&inspect=600&buyother=1000&taxyear=2026-27&taxmode=band&taxrate=0.37&medicare=1&purpose=owner_occupier&taxtreat=established&taxstart=today&fhbtype=existing_home&fhbduty=compare&fhbdeposit=exploring&compare=preset"
    },
    {
      "purchasePrice": 1500000,
      "depositPercentage": 10,
      "depositCash": 150000,
      "standardDuty": 63787,
      "indicativeLmi": 29700,
      "buyingCostAllowance": 3600,
      "upfrontCash": 247087,
      "upfrontPercent": 16.472466666666666,
      "loanPrincipal": 1350000,
      "weeklyOwnershipCost": 2090.79,
      "href": "/bidready?st=nsw&ptype=not_sure&ownshare=1&fhb=0&price=1500000&dep=10&lmitreat=standard&depositmode=percentage&cash=0&cashset=0&equity=0&eqvalue=0&eqdebt=0&eqlvr=80&eqamount=0&eqrate=6.3&eqterm=30&eqrepay=principal_and_interest&cashperiod=weekly&extra=0&extrafreq=monthly&lumpsum=0&lumpmonth=1&autolmi=1&lmi=0&autoduty=1&duty=40000&lmiquoted=0&dutyquoted=0&rate=6.1&repay=principal_and_interest&term=30&rent=1000&vacancy=0&council=2400&strata=4000&landtax=0&ins=900&agent=0&agentmode=auto&repairs=2500&other=750&nonded=0&capallow=0&buyeragent=0&conv=2000&inspect=600&buyother=1000&taxyear=2026-27&taxmode=band&taxrate=0.37&medicare=1&purpose=owner_occupier&taxtreat=established&taxstart=today&fhbtype=existing_home&fhbduty=compare&fhbdeposit=exploring&compare=preset"
    },
    {
      "purchasePrice": 1500000,
      "depositPercentage": 20,
      "depositCash": 300000,
      "standardDuty": 63787,
      "indicativeLmi": 0,
      "buyingCostAllowance": 3600,
      "upfrontCash": 367387,
      "upfrontPercent": 24.49246666666667,
      "loanPrincipal": 1200000,
      "weeklyOwnershipCost": 1881.02,
      "href": "/bidready?st=nsw&ptype=not_sure&ownshare=1&fhb=0&price=1500000&dep=20&lmitreat=standard&depositmode=percentage&cash=0&cashset=0&equity=0&eqvalue=0&eqdebt=0&eqlvr=80&eqamount=0&eqrate=6.3&eqterm=30&eqrepay=principal_and_interest&cashperiod=weekly&extra=0&extrafreq=monthly&lumpsum=0&lumpmonth=1&autolmi=1&lmi=0&autoduty=1&duty=40000&lmiquoted=0&dutyquoted=0&rate=6.1&repay=principal_and_interest&term=30&rent=1000&vacancy=0&council=2400&strata=4000&landtax=0&ins=900&agent=0&agentmode=auto&repairs=2500&other=750&nonded=0&capallow=0&buyeragent=0&conv=2000&inspect=600&buyother=1000&taxyear=2026-27&taxmode=band&taxrate=0.37&medicare=1&purpose=owner_occupier&taxtreat=established&taxstart=today&fhbtype=existing_home&fhbduty=compare&fhbdeposit=exploring&compare=preset"
    }
  ]
}