Subiaco Home Loans — WA

Deposit Requirements — Subiaco

Based on a median house price of $1,300,000 in Subiaco, WA.

Deposit scenarios for Subiaco
Deposit Level Deposit Required LMI Estimate LMI Payable?
20% Deposit $260,000 $0 No LMI
10% Deposit $130,000 $21,060 LMI Applies
5% Deposit $65,000 $46,930 High LMI

LMI estimates are indicative only. Actual premiums depend on lender, insurer, and your borrower profile. Not financial advice.

First Home Buyer Incentives — Western Australia

Stamp Duty Exemption Threshold $430,000 Properties at or below this value may attract zero stamp duty for eligible FHBs.
Estimated Stamp Duty $52,000 Calculated on $1,300,000 median price.
First Home Owner Grant (FHOG) $10,000 Available for eligible new home purchases in WA. Conditions apply.
FHSS Scheme Property Cap $600,000 Maximum property value to access super savings via the FHSS scheme.

Stamp duty thresholds and grants are updated periodically. Verify current rates with Western Australia Revenue Office or a licensed broker. Not financial advice.

Home Loan Market Context — Subiaco, 6008

Subiaco is located within the Western Australia council area of Western Australia. The median house price of $1,300,000 sits 78% above the WA state median of $730,000.

Buyers purchasing at the median with a 20% deposit would require a loan of approximately $1,040,000, with estimated monthly repayments of $6,403 at an indicative rate of 6.25% p.a. over 30 years.