Run The Numbers
Use these calculators to get a feel for repayments, budgets and costs. Then call us on (08) 9300 4477 to talk through your options.
Home loan repayments
Living expenses
Loan comparison
WA stamp duty (transfer duty)
Estimate only. Eligibility conditions apply. Confirm with RevenueWA. This calculator uses RevenueWA and Landgate figures checked on 20 October 2026 and assumes a contract signed on or after 7 May 2026.
- General and concessional rates have applied since 1 July 2008. The concessional rate applies to a home that includes a house, that you will live in, valued up to $200,000. It does not apply to vacant land.
- First home owner rate for contracts on or after 7 May 2026: homes no duty up to $600,000, concessional rate to $800,000; vacant land no duty up to $450,000, concessional rate to $550,000. RevenueWA has applied these rates. Other sources say the change was still going through Parliament, so check before you rely on it.
- First Home Owner Grant: shown as “up to $10,000” for new homes, off-the-plan purchases and building a home, where the total value is $800,000 or less (transactions from 7 May 2026). Not available for established homes. You must also meet the residence and other conditions.
- Assumes property south of the 26th parallel; buyers further north may be eligible for higher first home buyer concessions.
- Off-the-plan concession for contracts signed between 12 March 2026 and 30 June 2028. The calculator conservatively applies the taper between $800,000 and $900,000 per $100 or part, and does not model home-and-land package deals.
- Foreign transfer duty is 7% of the foreign buyers’ share of the value (from 1 January 2019).
- Landgate fees from 1 July 2026, for a single title. The transfer fee is based on the purchase price; Landgate uses the higher of the price and the dutiable value. Settlement agent, bank and inspection costs are not included.
Offset account savings
Assumes monthly principal and interest repayments stay the same, and the offset balance stays constant for the life of the loan.
Important information
These calculators are a guide only. Results are estimates only, based on the information you enter and the assumptions noted, and are not credit advice or a quote or offer of finance. They do not take into account your objectives, financial situation or needs, or lender fees, charges and policies. Speak with us before making any decision about credit.
Phone (08) 9300 4477
www.freedomcorp.com.au
Printed
These calculators are a guide only. Results are estimates only, based on the information you enter and the assumptions noted, and are not credit advice or a quote or offer of finance. They do not take into account your objectives, financial situation or needs, or lender fees, charges and policies. Speak with us before making any decision about credit.
Brian Hoareau CRN 479461. Freedomcorp Pty Ltd CRN 479457. Licensee Purple Circle Financial Services Pty Ltd, ACL 486112

