Stamp duty + conveyancing + first-month utilities + connection fees + the appliance kit your new place is missing. Built for Australian first-home buyers.
Stamp duty + first-month utilities + connection fees + the appliance kit your new place is missing. The honest figure your conveyancer won't quote you.
Free tool. No signup. Built for Australian first-home buyers.
Total upfront cash a first home buyer in NSW should expect for a $750K property.
Each bundle below is the actual product set we verified on Amazon AU. Open the guide, compare picks, then come back to revise the total.
Calculator uses AU 2026 state revenue office stamp-duty rates · AER 2025 default offer prices for energy · AU bundle minimums sourced from our verified hub kits.
Estimates only — not a quote, not financial advice. Get a written quote from your conveyancer + lender before exchanging.
The standard buyer template — deposit + stamp duty + a buffer — misses three line items that consistently catch first-home buyers off-guard in the first 30 days.
The first is utility connection. Most contracts require you to set up new accounts in your name on or before settlement day, with connection fees ranging $65-99 per service. Internet alone takes 2-7 business days to activate even on the same NBN tail, and the connection fee + first month is due upfront. Electricity and gas typically charge a connection fee plus their first bill in the same cycle.
The second is the first-month bill cycle. Council rates are charged quarterly in most states but pro-rata at settlement, so you typically owe the seller for the unused portion of their current quarter — and then the next quarter falls in your first 90 days. Home insurance becomes due on settlement day. Internet, electricity and gas all front-load: your first bill arrives within 30 days. The new home checklist walks through the sequencing.
The third is the appliance gap. Most contracts leave fridges, washing machines and dryers behind only if explicitly listed in the inclusions. New builds typically come with none. Even fully-furnished resales rarely include the kettle, toaster, microwave and basic kitchen tools you actually use day one. The calculator above lets you tick which bundles you still need; the totals are pulled from the NestPath hub's verified Amazon AU kit minimums.
The bundle figures are the sum of each kit's budget-tier picks from the NestPath hub. We verify Amazon AU availability daily — the prices reflect the lowest IN_STOCK pick we'd actually recommend, not theoretical Kmart-tier numbers that won't survive a year.
For example, the kitchen starter ($436) is the sum of: best kettle budget pick ($39), best toaster budget pick ($49), best microwave budget pick ($170), best air fryer budget pick ($49), and best knife set budget pick ($99) — sourced from best kettle Australia, best toaster, best microwave, best air fryer and best knife set guides.
The bedroom kit ($472) is mattress + protector + pillows + sheets at the budget tier. Major appliances ($3,500) is the conservative whole-of-house white-goods bundle — fridge, dishwasher, induction cooktop, washing machine, dryer. The hub's own fridge guide and washing machine guide carry the per-item picks.
If you only need the stamp-duty figure, use our stamp duty calculator. If you need to know whether your deposit triggers LMI, use the LMI calculator. For borrowing-capacity sanity-checking pre-offer, the borrowing power calculator models that. For ongoing repayments after settlement, use the mortgage repayment calculator.
The Move-In Cost Calculator is the only one that combines all the above (via the same stamp-duty rate tables) with the post-settlement reality — utilities, connection fees, council rates, insurance, and the appliance kit your new home is missing.
Free tools and guides for Australian first home buyers