Purchase Price Strategy Calculator
Purchase Price Strategy Calculator
Property Purchase Strategy
See what government benefits you can get and the smartest way to buy.
Government Benefits
First Home Buyer + Owner Occupied
Estimated Government Benefits & Savings
Purchase Price for Maximum Government Benefits
What to change to unlock the highest government benefits in VIC — assumes owner-occupied first home buyer.
Purchasing a new home up to $600,000 unlocks all available government benefits in Victoria — the highest total savings for this profile.
Property Type
New Home
Newly built dwelling
Occupancy
Owner Occupied
Owner-occupied home
Buyer Status
First Home Buyer
Eligible for FHB schemes
$600,000
Maximum eligible purchase price for a new home as owner-occupied first home buyer in VIC.
Benefits Unlocked
- First Home Owner Grant
- Stamp Duty Exemption
- First Home Guarantee
- No LMI Required
- Lower Deposit (5%*)
*Conditions apply. Subject to eligibility criteria.
Estimated Government Benefits
- FHOG$10,000
- Stamp Duty$31,070
- LMI Saved$19,950
- Total$61,020
Maximum Benefits Achieved
Current Purchase
$700,000
Est. Government Savings
$33,631
Recommended (OO + FHB)
$600,000
New Home
Est. Government Savings
$61,020
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Estimates only — confirm grants, stamp duty and Homes Australia caps before advising.
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