Deposit Pathway Calculator — Find your path to owning sooner

Enter the property details

Enter the estimated property price and choose the type and location of the home.

Estimated property price

Home type

New home Existing home

State or territory

Select Region

Choose a buying pathway

Select an option to update the indicative deposit, loan and repayments.

2% Help to Buy Shared equity pathway 5% Deposit Scheme Low deposit pathway Family Guarantor – potentially 0% deposit Zero deposit pathway 20% Traditional Pathway Traditional pathway

Your indicative pathway

2% Help to Buy — new home

Indicative example using a 2% buyer contribution and Government equity of up to 40%.

Property price

Home type

State or territory

Region

Minimum pathway deposit $14,000 2%

Indicative home loan $406,000 58%

Government equity $280,000 Up to 40%

Total home value $700,000

✓

Within the indicative property price cap

Minimum pathway deposit $14,000 Minimum pathway contribution only. Other costs may apply.

Potential MWC support $10,000 MWC’s Deposit Boost™ may provide additional support towards an eligible purchase.

Building a new home?

A builder may require a separate build deposit, generally around 5% of the build contract price. Eligible MWC buyers may have this waived under our Keys & Ease Guarantee™. Conditions apply.

Confirm stamp duty and additional costs

This summary does not include stamp duty or any exemption or concession that may apply. Legal, lender, registration, inspection and other purchase costs may also apply, so confirm the total funds required with MWC, your bank or mortgage broker and your conveyancer or solicitor.

Estimated mortgage repayments

Principal-and-interest repayments using a sample rate of 6.30% p.a. over 30 years. The rate is for comparison only and may change. The loan amount is indicative and subject to lender assessment.

Indicative repayment $0 per week $0 per month

Indicative home loan $0 Indicative only and subject to lender assessment.

Talk through your options

This calculator provides indicative examples for general information only. It does not assess borrowing capacity, personal affordability, government scheme eligibility, postcode classification, property valuation, guarantor suitability, grant eligibility or loan approval. The region selections are simplified guides and the correct cap for the property’s suburb and postcode must be confirmed with a participating lender. Help to Buy figures use the maximum Government equity percentage for the selected home type; the approved Government contribution may be lower and the buyer may need to contribute more than 2%. Scheme price caps, First Home Owner Grant amounts, transaction requirements, stamp duty concessions, interest rates, lender policies and government rules may change. For the Australian Government 5% Deposit Scheme, the required deposit is based on the lender-assessed value, and both the purchase price and lender-assessed value must meet the applicable cap. The minimum pathway deposit shown is not necessarily the total amount required to purchase. MWC’s $10,000 Deposit Boost™ is available only on eligible new-home pathways, is not a government grant and is not automatically treated as genuine savings or accepted towards a scheme’s minimum contribution. Eligibility, participating properties, lender treatment and conditions apply. Confirm all figures with MWC, your mortgage broker, lender and conveyancer or solicitor before proceeding. Information reviewed July 2026.

Find your path to owning sooner

Enter the property details

Choose a buying pathway

Ready to see what could work for you?

Call 1300 657 184