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Byrz tools

Your cash sets one ceiling. Your income sets the other.

This page answers the cash half: the highest price at which your savings still cover the deposit plus stamp duty, fees and conveyancing, at four deposit levels. What a lender would actually lend you is the income half, and the borrowing power calculator answers that one.

One number in, four ceilings out

Savings you could put toward the deposit, duty, fees and conveyancing together.

It selects the duty concession family to test.

Concessions differ between the three.

Queensland duty and fees, solved on the expensive end of the typical cost ranges so the ceiling under-promises rather than over. The smaller deposits lean on government scheme floors with their own rules and caps: check the grants tool for which may fit you.

Pair this with what you could borrow (the lower of the two ceilings is the real one), check which schemes may fit you before leaning on the 5 and 2 percent rungs, or head back to all the tools.

Byrz is a property research and buyer tool. It is not a lender or credit provider. Figures here are estimates and general information only, not an offer of credit and not financial advice. Check official scheme eligibility before you rely on it.