Mesh Finance
Calculator

Maximum Home Purchase Price Calculator

See roughly the most you may be able to spend on a Western Australian home to live in, once your deposit, stamp duty, costs and any government help are taken into account.

1Property & eligibility
2Your numbers & estimate
Where is the property?

Scheme price caps can depend on the exact suburb and postcode. Confirm the applicable cap with Mesh Finance.

What type of home is it?
Buying land, building a home or considering a house and land package? These purchases need a more tailored calculation. Contact Mesh Finance for a personalised estimate.
Are you eligible for the 5% or 2% scheme?These federal schemes let eligible buyers get in with a smaller deposit and no LMI. If neither applies, choose No and we'll use standard lending.
To use this option you must meet all Housing Australia and participating-lender requirements. Eligibility is confirmed by Housing Australia and your lender, not by this tool.
As a first home buyer using the 5% scheme, you'll qualify for the WA first home owner rate of stamp duty, so we've applied it for you.
LMI varies by lender, insurer, loan amount and application. This is a rough estimate only and may differ materially from the final premium.

This calculator provides a general estimate only. It is not a loan approval, credit assessment, government-scheme eligibility assessment or quote for stamp duty or Lenders Mortgage Insurance. Actual borrowing capacity, property valuation, costs, LMI and eligibility will depend on the lender, insurer, RevenueWA, Housing Australia and your individual circumstances. Speak with Mesh Finance before entering into a property contract.

Government thresholds and duty rates can change. Figures in this calculator use WA rules applying from 7 May 2026 and should be reviewed regularly.

Figures last reviewed 2026-08-05.