Tool 05

All-In SA Cost Calculator

SA stamp duty (RevenueSA brackets), LTO transfer registration, Form 1 search, conveyancer, building inspection, pest report, every cent. Includes the SA first home owner concession and Lenders Mortgage Insurance calculation.

Purchase Details
First home buyers under $700k get a stamp duty concession (a discount or waiver) — the tool applies it automatically when eligible.
What's included
  • SA stamp duty — RevenueSA 2024 brackets
  • LTO fees — Lands Titles Office, the SA Government registry that records who owns the property and any mortgage
  • Form 1 vendor search — statutory disclosure fee
  • Conveyancer fees — what's a conveyancer?
  • Building + pest inspections
  • Bank valuation
  • LMI — Lenders Mortgage Insurance, charged when your deposit is under 20%
  • Removalists & connections — estimate

Enter your details to see a complete cost breakdown

Frequently asked questions

What does the 'true cost' include?

SA stamp duty (RevenueSA brackets, with the FHB concession auto-applied if eligible), Land Titles Office transfer + mortgage registration fees, conveyancer fees (low / mid / high estimates from current Adelaide rates), pre-purchase building inspection, pest inspection, and council search.

How does the first home buyer concession work?

For eligible SA first home buyers, stamp duty is waived on properties up to $650,000 (with a phase-out up to $700,000). The tool auto-applies the concession when you tick the FHB box and the property is under the threshold. Full eligibility rules are in our FHOG glossary entry.

Are the conveyancer and inspection costs guaranteed?

No, they're benchmark ranges from current Adelaide service providers. Actual quotes will vary. Use the tool to budget; get formal quotes before committing.

What's NOT included?

Loan establishment fees, lender's mortgage insurance (LMI), removalist costs, utility connection fees, and the deposit itself. The Borrowing Power tool covers LMI separately.