The verandah house
$780,000
Illustrative asking price
Deposit $160,000Strata / year $0
HOW IT WORKS BUILT AROUND YOUR NEXT CHAPTERFind the home.
Find the home.
See the whole picture.
Saturday’s inspections become Sunday’s shortlist. Bring the homes you like into one campaign, then see what each could mean for your money.
Follow a complete campaignNo account needed. No property listings to chase.
A campaign is your
property shortlist.
This fictional buyer is looking at three established homes in metropolitan WA. The same deposit and buyer profile make the trade-offs easier to see. These are examples, not listings or recommendations.
BUYING ASOwner occupier · citizenDEPOSIT FOR EACH$160,000TOTAL CASH AVAILABLE$220,000 including depositEXAMPLE CONTRACT DATE2026-09-07
No first-home-buyer concession is selected. Running-cost defaults vary by property type; every effective input is shown below.
The leafy unit
$725,000
Illustrative asking price
Deposit $160,000Strata / year $5,200
The courtyard townhouse
$755,000
Illustrative asking price
Deposit $160,000Strata / year $1,800
02 LOOK BEYOND THE ASKING PRICEGetting the keys.
Getting the keys.
Then living with the cost.
Cash at settlement includes the deposit and upfront costs. Weekly outgoings bring loan repayments and ongoing ownership costs together, so you can compare more than a purchase price.
What if interest rates rose?
Switch between the starting assumptions and a rise of 2 percentage points. This is a scenario you choose, not a forecast. The deposit, price and property inputs stay the same.
Both scenarios are shown below. All amounts are AUD.
The starting scenario
The verandah house
6.2% p.a. · 30 years · principal & interest
- Cash at settlement
- $196,935.70
- Upfront costs (included above)
- $36,935.70
- Weekly outgoings
- $1,058.99/wk
See the working — cash at settlement
Working
Cash needed at settlement$196,935.70
cash deposit + the upfront costs you pay in cash
Cash deposit $160,000
Upfront costs paid in cash $36,935.70
Rates: WA 2026-27
Deposit applied to the price$160,000
the smaller of your deposit and the purchase price
Loan amount$620,000
price − deposit
Price $780,000
Deposit applied $160,000
See the working — upfront costs
Working
Upfront costs$36,935.70
every one-off charge on this purchase, including any LMI premium
Rates: WA 2026-27
Transfer duty$31,285.50
duty on the published scale
Jurisdiction WA
Financial year 2026–27
Contract date 7 September 2026
Rates: WA 2026-27
Duty on the general scale$31,285.50
WA general transfer-duty schedule; per $100 or part thereof, then floored to 5 cents
Purchase price $780,000
Rates: WA 2026-27
Title transfer registration$375.10
WA transfer-registration schedule
Price $780,000
Rates: WA 2026-27
Mortgage registration$225.10
WA mortgage-registration schedule
Rates: WA 2026-27
Lenders Mortgage Insurance$0
not required at or below the published 80% LVR boundary
Loan $620,000
Loan-to-value ratio 79.49%
Conveyancing$1,800
Default
Building and pest inspection$650
Default
Loan establishment$600
Default
Settlement adjustments$2,000
Default
Sources
See the working — weekly outgoings
Working
Weekly holding cost$1,058.99
all annual outgoings ÷ 52
Outgoings a year $55,067.72
Rates: WA 2026-27
Loan repayments a year$45,567.72
from the repayment schedule
Recurring costs$9,500
council rates + water + insurance + strata + maintenance
Council rates$2,400
Default
Water$1,300
Default
Insurance$1,900
Default
Strata$0
property-specific input
Maintenance$3,900
purchase price × annual maintenance rate
Price $780,000
Maintenance rate a year 0.5%
The leafy unit
6.2% p.a. · 30 years · principal & interest
- Cash at settlement
- $194,102.70
- Upfront costs (included above)
- $34,102.70
- Weekly outgoings
- $1,001.93/wk
See the working — cash at settlement
Working
Cash needed at settlement$194,102.70
cash deposit + the upfront costs you pay in cash
Cash deposit $160,000
Upfront costs paid in cash $34,102.70
Rates: WA 2026-27
Deposit applied to the price$160,000
the smaller of your deposit and the purchase price
Loan amount$565,000
price − deposit
Price $725,000
Deposit applied $160,000
See the working — upfront costs
Working
Upfront costs$34,102.70
every one-off charge on this purchase, including any LMI premium
Rates: WA 2026-27
Transfer duty$28,452.50
duty on the published scale
Jurisdiction WA
Financial year 2026–27
Contract date 7 September 2026
Rates: WA 2026-27
Duty on the general scale$28,452.50
WA general transfer-duty schedule; per $100 or part thereof, then floored to 5 cents
Purchase price $725,000
Rates: WA 2026-27
Title transfer registration$375.10
WA transfer-registration schedule
Price $725,000
Rates: WA 2026-27
Mortgage registration$225.10
WA mortgage-registration schedule
Rates: WA 2026-27
Lenders Mortgage Insurance$0
not required at or below the published 80% LVR boundary
Loan $565,000
Loan-to-value ratio 77.93%
Conveyancing$1,800
Default
Building and pest inspection$650
Default
Loan establishment$600
Default
Settlement adjustments$2,000
Default
Sources
See the working — weekly outgoings
Working
Weekly holding cost$1,001.93
all annual outgoings ÷ 52
Outgoings a year $52,100.40
Rates: WA 2026-27
Loan repayments a year$41,525.40
from the repayment schedule
Recurring costs$10,575
council rates + water + insurance + strata + maintenance
Council rates$1,700
Default
Water$1,000
Default
Insurance$500
Default
Strata$5,200
property-specific input
Maintenance$2,175
purchase price × annual maintenance rate
Price $725,000
Maintenance rate a year 0.3%
The courtyard townhouse
6.2% p.a. · 30 years · principal & interest
- Cash at settlement
- $195,648.20
- Upfront costs (included above)
- $35,648.20
- Weekly outgoings
- $1,021.74/wk
See the working — cash at settlement
Working
Cash needed at settlement$195,648.20
cash deposit + the upfront costs you pay in cash
Cash deposit $160,000
Upfront costs paid in cash $35,648.20
Rates: WA 2026-27
Deposit applied to the price$160,000
the smaller of your deposit and the purchase price
Loan amount$595,000
price − deposit
Price $755,000
Deposit applied $160,000
See the working — upfront costs
Working
Upfront costs$35,648.20
every one-off charge on this purchase, including any LMI premium
Rates: WA 2026-27
Transfer duty$29,998
duty on the published scale
Jurisdiction WA
Financial year 2026–27
Contract date 7 September 2026
Rates: WA 2026-27
Duty on the general scale$29,998
WA general transfer-duty schedule; per $100 or part thereof, then floored to 5 cents
Purchase price $755,000
Rates: WA 2026-27
Title transfer registration$375.10
WA transfer-registration schedule
Price $755,000
Rates: WA 2026-27
Mortgage registration$225.10
WA mortgage-registration schedule
Rates: WA 2026-27
Lenders Mortgage Insurance$0
not required at or below the published 80% LVR boundary
Loan $595,000
Loan-to-value ratio 78.81%
Conveyancing$1,800
Default
Building and pest inspection$650
Default
Loan establishment$600
Default
Settlement adjustments$2,000
Default
Sources
See the working — weekly outgoings
Working
Weekly holding cost$1,021.74
all annual outgoings ÷ 52
Outgoings a year $53,130.28
Rates: WA 2026-27
Loan repayments a year$43,730.28
from the repayment schedule
Recurring costs$9,400
council rates + water + insurance + strata + maintenance
Council rates$2,050
Default
Water$1,200
Default
Insurance$1,330
Default
Strata$1,800
property-specific input
Maintenance$3,020
purchase price × annual maintenance rate
Price $755,000
Maintenance rate a year 0.4%
A higher-rate week
The verandah house
8.2% p.a. · 30 years · principal & interest
- Cash at settlement
- $196,935.70
- Upfront costs (included above)
- $36,935.70
- Weekly outgoings
- $1,252.56/wk
See the working — cash at settlement
Working
Cash needed at settlement$196,935.70
cash deposit + the upfront costs you pay in cash
Cash deposit $160,000
Upfront costs paid in cash $36,935.70
Rates: WA 2026-27
Deposit applied to the price$160,000
the smaller of your deposit and the purchase price
Loan amount$620,000
price − deposit
Price $780,000
Deposit applied $160,000
See the working — upfront costs
Working
Upfront costs$36,935.70
every one-off charge on this purchase, including any LMI premium
Rates: WA 2026-27
Transfer duty$31,285.50
duty on the published scale
Jurisdiction WA
Financial year 2026–27
Contract date 7 September 2026
Rates: WA 2026-27
Duty on the general scale$31,285.50
WA general transfer-duty schedule; per $100 or part thereof, then floored to 5 cents
Purchase price $780,000
Rates: WA 2026-27
Title transfer registration$375.10
WA transfer-registration schedule
Price $780,000
Rates: WA 2026-27
Mortgage registration$225.10
WA mortgage-registration schedule
Rates: WA 2026-27
Lenders Mortgage Insurance$0
not required at or below the published 80% LVR boundary
Loan $620,000
Loan-to-value ratio 79.49%
Conveyancing$1,800
Default
Building and pest inspection$650
Default
Loan establishment$600
Default
Settlement adjustments$2,000
Default
Sources
See the working — weekly outgoings
Working
Weekly holding cost$1,252.56
all annual outgoings ÷ 52
Outgoings a year $65,132.96
Rates: WA 2026-27
Loan repayments a year$55,632.96
from the repayment schedule
Recurring costs$9,500
council rates + water + insurance + strata + maintenance
Council rates$2,400
Default
Water$1,300
Default
Insurance$1,900
Default
Strata$0
property-specific input
Maintenance$3,900
purchase price × annual maintenance rate
Price $780,000
Maintenance rate a year 0.5%
The leafy unit
8.2% p.a. · 30 years · principal & interest
- Cash at settlement
- $194,102.70
- Upfront costs (included above)
- $34,102.70
- Weekly outgoings
- $1,178.32/wk
See the working — cash at settlement
Working
Cash needed at settlement$194,102.70
cash deposit + the upfront costs you pay in cash
Cash deposit $160,000
Upfront costs paid in cash $34,102.70
Rates: WA 2026-27
Deposit applied to the price$160,000
the smaller of your deposit and the purchase price
Loan amount$565,000
price − deposit
Price $725,000
Deposit applied $160,000
See the working — upfront costs
Working
Upfront costs$34,102.70
every one-off charge on this purchase, including any LMI premium
Rates: WA 2026-27
Transfer duty$28,452.50
duty on the published scale
Jurisdiction WA
Financial year 2026–27
Contract date 7 September 2026
Rates: WA 2026-27
Duty on the general scale$28,452.50
WA general transfer-duty schedule; per $100 or part thereof, then floored to 5 cents
Purchase price $725,000
Rates: WA 2026-27
Title transfer registration$375.10
WA transfer-registration schedule
Price $725,000
Rates: WA 2026-27
Mortgage registration$225.10
WA mortgage-registration schedule
Rates: WA 2026-27
Lenders Mortgage Insurance$0
not required at or below the published 80% LVR boundary
Loan $565,000
Loan-to-value ratio 77.93%
Conveyancing$1,800
Default
Building and pest inspection$650
Default
Loan establishment$600
Default
Settlement adjustments$2,000
Default
Sources
See the working — weekly outgoings
Working
Weekly holding cost$1,178.32
all annual outgoings ÷ 52
Outgoings a year $61,272.72
Rates: WA 2026-27
Loan repayments a year$50,697.72
from the repayment schedule
Recurring costs$10,575
council rates + water + insurance + strata + maintenance
Council rates$1,700
Default
Water$1,000
Default
Insurance$500
Default
Strata$5,200
property-specific input
Maintenance$2,175
purchase price × annual maintenance rate
Price $725,000
Maintenance rate a year 0.3%
The courtyard townhouse
8.2% p.a. · 30 years · principal & interest
- Cash at settlement
- $195,648.20
- Upfront costs (included above)
- $35,648.20
- Weekly outgoings
- $1,207.49/wk
See the working — cash at settlement
Working
Cash needed at settlement$195,648.20
cash deposit + the upfront costs you pay in cash
Cash deposit $160,000
Upfront costs paid in cash $35,648.20
Rates: WA 2026-27
Deposit applied to the price$160,000
the smaller of your deposit and the purchase price
Loan amount$595,000
price − deposit
Price $755,000
Deposit applied $160,000
See the working — upfront costs
Working
Upfront costs$35,648.20
every one-off charge on this purchase, including any LMI premium
Rates: WA 2026-27
Transfer duty$29,998
duty on the published scale
Jurisdiction WA
Financial year 2026–27
Contract date 7 September 2026
Rates: WA 2026-27
Duty on the general scale$29,998
WA general transfer-duty schedule; per $100 or part thereof, then floored to 5 cents
Purchase price $755,000
Rates: WA 2026-27
Title transfer registration$375.10
WA transfer-registration schedule
Price $755,000
Rates: WA 2026-27
Mortgage registration$225.10
WA mortgage-registration schedule
Rates: WA 2026-27
Lenders Mortgage Insurance$0
not required at or below the published 80% LVR boundary
Loan $595,000
Loan-to-value ratio 78.81%
Conveyancing$1,800
Default
Building and pest inspection$650
Default
Loan establishment$600
Default
Settlement adjustments$2,000
Default
Sources
See the working — weekly outgoings
Working
Weekly holding cost$1,207.49
all annual outgoings ÷ 52
Outgoings a year $62,789.68
Rates: WA 2026-27
Loan repayments a year$53,389.68
from the repayment schedule
Recurring costs$9,400
council rates + water + insurance + strata + maintenance
Council rates$2,050
Default
Water$1,200
Default
Insurance$1,330
Default
Strata$1,800
property-specific input
Maintenance$3,020
purchase price × annual maintenance rate
Price $755,000
Maintenance rate a year 0.4%
The lower asking price is only one part of the choice. Strata, maintenance and the amount borrowed also shape the weekly figure. Open “See working” to inspect exactly what is included. These estimates do not establish borrowing capacity or loan approval.
From a price tag
to a clearer conversation.
Cornerpeg puts the parts of a purchase alongside one another. Use it to prepare questions, compare your own scenarios and keep a record of what you assumed.
| Your starting point | What this campaign adds | Why it helps |
|---|---|---|
| Looking only at the asking price | Deposit, transfer duty, fees and settlement cash | Bring the other upfront costs into the conversation. |
| Looking only at a loan repayment | Rates, water, insurance, maintenance and strata alongside the loan | See a broader estimate of an ordinary week. |
| Comparing separate calculations | One shortlist, shared assumptions and a higher-rate scenario | Compare the same kind of result for each property. |
| Keeping a screenshot of a total | Formula, inputs, sources, printable reports and restorable archives | Keep the context and revisit the decision later. |
This compares ways of looking at a purchase, not specific providers. Property condition, lending decisions and your full personal budget still need their own consideration.
04 EVERY NUMBER HAS A STARTING POINTOpen the working.
Open the working.
Question the assumptions.
The figures above come from the same engine as the workspace. Open a result for its formula and sources, or review every property input and editable default here.
The verandah house — all inputs & defaults
| Input | Value | Where it comes from |
|---|---|---|
| Asking price | $780,000 | property input |
| Deposit | $160,000 | property input |
| State or territory | WA | property input |
| Buyer | Owner occupier | property input |
| Property type | house | property input |
| Dwelling | Established | property input |
| Contract date | 2026-09-07 | property input |
| Expected rent a week | Not supplied | not applied for this buyer |
| Strata a year | $0 | property input |
| Land value supplied for land tax | Not supplied | property input |
| Total cash available | $220,000 | property input |
| Duty region | metropolitan | workspace default |
| Duty region confirmed | Yes | workspace default |
| Duty region mapping revision | web-app-v1 | workspace default |
| Duty region jurisdiction | WA | workspace default |
| Residency used by the calculator | Citizen | workspace scope |
| Equity drawn | $0 | workspace default |
| Interest rate | 6.2% | national default |
| Loan term | 30 years | workspace default |
| Conveyancing | $1,800 | national default |
| Building and pest | $650 | national default |
| Loan establishment | $600 | national default |
| Settlement adjustments | $2,000 | national default |
| Council rates a year | $2,400 | state/property default |
| Water a year | $1,300 | state/property default |
| Insurance a year | $1,900 | state/property default |
| Maintenance, % of price a year | 0.5% | state/property default |
| Property management, % of rent | 9.5% | state/property default |
| Vacancy allowance, weeks a year | 2 weeks | state/property default |
| Repayment type | Principal and interest | workspace default |
| Repayment frequency | monthly | workspace default |
| Add LMI to loan principal | No | workspace default |
Defaults library revision: 2026-07.v1. Defaults are editable estimates.
Defaults source: au.defaults.recurring.2026-07 · 1 · sha256:3e8bc7b9960d273420ded3c6bcb41209f5fe8145221a78e4079400794afcef00.
Conservative editable benchmark, not a verified rate — override with your own figure.
The leafy unit — all inputs & defaults
| Input | Value | Where it comes from |
|---|---|---|
| Asking price | $725,000 | property input |
| Deposit | $160,000 | property input |
| State or territory | WA | property input |
| Buyer | Owner occupier | property input |
| Property type | unit | property input |
| Dwelling | Established | property input |
| Contract date | 2026-09-07 | property input |
| Expected rent a week | Not supplied | not applied for this buyer |
| Strata a year | $5,200 | property input |
| Land value supplied for land tax | Not supplied | property input |
| Total cash available | $220,000 | property input |
| Duty region | metropolitan | workspace default |
| Duty region confirmed | Yes | workspace default |
| Duty region mapping revision | web-app-v1 | workspace default |
| Duty region jurisdiction | WA | workspace default |
| Residency used by the calculator | Citizen | workspace scope |
| Equity drawn | $0 | workspace default |
| Interest rate | 6.2% | national default |
| Loan term | 30 years | workspace default |
| Conveyancing | $1,800 | national default |
| Building and pest | $650 | national default |
| Loan establishment | $600 | national default |
| Settlement adjustments | $2,000 | national default |
| Council rates a year | $1,700 | state/property default |
| Water a year | $1,000 | state/property default |
| Insurance a year | $500 | state/property default |
| Maintenance, % of price a year | 0.3% | state/property default |
| Property management, % of rent | 9.5% | state/property default |
| Vacancy allowance, weeks a year | 2 weeks | state/property default |
| Repayment type | Principal and interest | workspace default |
| Repayment frequency | monthly | workspace default |
| Add LMI to loan principal | No | workspace default |
Defaults library revision: 2026-07.v1. Defaults are editable estimates.
Defaults source: au.defaults.recurring.2026-07 · 1 · sha256:3e8bc7b9960d273420ded3c6bcb41209f5fe8145221a78e4079400794afcef00.
Conservative editable benchmark, not a verified rate — override with your own figure.
The courtyard townhouse — all inputs & defaults
| Input | Value | Where it comes from |
|---|---|---|
| Asking price | $755,000 | property input |
| Deposit | $160,000 | property input |
| State or territory | WA | property input |
| Buyer | Owner occupier | property input |
| Property type | townhouse | property input |
| Dwelling | Established | property input |
| Contract date | 2026-09-07 | property input |
| Expected rent a week | Not supplied | not applied for this buyer |
| Strata a year | $1,800 | property input |
| Land value supplied for land tax | Not supplied | property input |
| Total cash available | $220,000 | property input |
| Duty region | metropolitan | workspace default |
| Duty region confirmed | Yes | workspace default |
| Duty region mapping revision | web-app-v1 | workspace default |
| Duty region jurisdiction | WA | workspace default |
| Residency used by the calculator | Citizen | workspace scope |
| Equity drawn | $0 | workspace default |
| Interest rate | 6.2% | national default |
| Loan term | 30 years | workspace default |
| Conveyancing | $1,800 | national default |
| Building and pest | $650 | national default |
| Loan establishment | $600 | national default |
| Settlement adjustments | $2,000 | national default |
| Council rates a year | $2,050 | state/property default |
| Water a year | $1,200 | state/property default |
| Insurance a year | $1,330 | state/property default |
| Maintenance, % of price a year | 0.4% | state/property default |
| Property management, % of rent | 9.5% | state/property default |
| Vacancy allowance, weeks a year | 2 weeks | state/property default |
| Repayment type | Principal and interest | workspace default |
| Repayment frequency | monthly | workspace default |
| Add LMI to loan principal | No | workspace default |
Defaults library revision: 2026-07.v1. Defaults are editable estimates.
Defaults source: au.defaults.recurring.2026-07 · 1 · sha256:3e8bc7b9960d273420ded3c6bcb41209f5fe8145221a78e4079400794afcef00.
Conservative editable benchmark, not a verified rate — override with your own figure.
Example rates release: 26778474a67f00cdd9fe09b32a1940d3c842c51e. View source records · Rate updates. Figures are estimates based on the example contract date; they are not a quote. The workspace recalculates restored campaigns using its current rates and states a refusal when inputs are unsupported.
Keep the shortlist.
Make it your own.
Try these exact three homes in the workspace. Review the campaign, add a new device copy, then change the inputs and see the comparison update.
- Review, then add.The preview shows what will be added. Your existing campaigns stay in place.
- Explore your trade-offs.Edit a price, deposit or assumption. Switch to the higher-rate scenario. The example also includes a fictional $1,200 weekly limit, which you can change or remove.
- Keep your work.Print a report or export a restorable archive. Account saving is optional and requires a separate choice.
Prefer to start with one property? Choose your state calculator. Free calculation, comparisons and plain reports need no paid licence. See pricing for formatted-report availability.