Mortgage brokers in Norwest, helping the Hills District and Sydney
Free selling costs calculator
Estimate agent commission, legal fees, marketing costs and other property selling expenses in seconds. Free Australian property selling cost calculator. Plan your sale with accurate figures for commissions, marketing and conveyancing.
5.0 from 360+ Google reviews
Updated November 2026
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Selling costs
Last updated: November 2026
Selling a property involves agent fees, marketing, conveyancing, and other costs. This calculator helps you estimate the total so you can plan your sale and understand your likely net proceeds. You can adjust commission rates, marketing spend and other inputs to match your situation.
Actual costs vary by agent, location and sale type. For a clearer picture and advice on structuring your sale or refinancing instead, use the form at the top of this page for a free strategy call.
Estimate all the costs involved in selling your property including agent commissions, marketing expenses, legal fees, and other associated costs to help you plan your sale.
Total selling costs
$38,333
3.2% of the $1,200,000 sale price
Before settlement adjustments (council rates, water, strata) and moving costs. Capital gains tax may apply to an investment property: ask your accountant.
Figures last checked against:
This is an estimate, not financial advice. Results are a guide only. Speak to a broker for accurate figures based on your situation.
Free, no obligation. Your numbers go with your enquiry.
5.0360+ Google reviews
Got your net figure?
What you walk away with becomes the deposit for your next place. Sumit works out how much you can borrow with it, the stamp duty on the next price and whether you need to buy before you sell. Free, no obligation. We generally respond within an hour.
5.0 from 360+ Google reviewsNo obligation and no credit check.
Quick answer
The cost of selling a house in NSW is mostly the agent's commission and the marketing campaign, plus conveyancing, your lender's discharge fee and any break cost, styling or repairs, and moving. The seller does not pay stamp duty. Commission and fees are not set by law: you agree them in the agency agreement, so get quotes and put each one into the calculator above.
The cost lines
These are the lines the property selling cost calculator adds up, plus the ones it leaves for you to enter. Quotes beat guesses: ask for them in writing.
Usually the biggest line. Agreed in your agency agreement, usually payable only when the property sells, and open to negotiation.
Comparing agents (NSW Government)Listing portals, photos, floor plans, signboards and, for an auction, the auctioneer. Often paid upfront, even if the home does not sell.
Prepares the contract before you advertise, handles the buyer’s side and settles the sale. Get a written quote.
Your lender charges a discharge fee, and a fixed rate loan can carry a break cost. Ask your lender for both before you list.
Painting, gardening, small fixes and furniture hire. Optional, but they change the photos and often the price.
Removalists, storage and, if you buy first, a bridging loan or two loans for a while.
At settlement, council rates, water and any strata levies are adjusted between you and the buyer for the days each of you owns the property. Australian sellers also need an ATO clearance certificate so that no amount is withheld from the sale price. If the property is an investment, capital gains tax may apply: your main residence is generally exempt, and an individual who held an investment for at least 12 months may get the 50% CGT discount. Your accountant gives you the figure.
Using the tool
This property selling cost calculator helps you estimate the total costs involved in selling your home or investment property. It takes into account real estate agent commission, marketing and advertising, conveyancing or legal fees and other typical selling expenses so you can see what you're likely to walk away with after the sale, and how much equity you might have for your next home loan or investment purchase.
Actual costs will depend on your agent, location, the type of campaign you run and any extras you choose (such as styling or premium listings). In Sydney and the Hills District, commission structures and marketing packages can vary widely, so it pays to compare options and understand how each one affects your net proceeds and your next purchase or refinance.
Use it to
Step 1
Use a recent appraisal or the agent’s estimated selling price from their agreement, not the figure you hope for.
Step 2
Commission rate, marketing budget and your conveyancer’s fee. Run it once for each agent you are comparing.
Step 3
Subtract your loan payout figure, plus any discharge fee and break cost, to see the cash you keep.
Step 4
Put that figure into the borrowing power calculator and the stamp duty calculator for your next price.
Selling to buy again?
Tell us your expected sale price, what you owe and the price range you are looking at. We will tell you what you can borrow and whether you can buy before you sell.
Free. No obligation and no credit check.
Worked example
An illustration of the arithmetic, using made-up inputs. They are not typical fees or client figures: enter your own quotes in the calculator.
The gap between two quotes 0.5 percentage points apart, at three example prices.
That money goes straight into your next deposit, or off your next loan.
Duty
No. In NSW, transfer duty (stamp duty) is paid by the buyer, not the seller. The same is true in Victoria and Queensland.
Where duty does hit sellers is the next purchase. If you are selling to upsize or downsize, you pay duty again as the buyer of your next home, on that price, and it usually has to be paid around settlement. Plan for it before you list. The stamp duty calculator gives you the figure, and Revenue NSW has the official rules.
Selling and buying again
Other states
The cost of selling a house in Victoria or Queensland is made up of the same lines as in NSW, and the calculator above works for any state. Enter your own agent and conveyancer quotes.
Keep more of the price
While some selling costs are unavoidable, there are ways to keep more of your sale price in your pocket and make your next move easier. You might:
We can help you look at the numbers for selling versus holding or refinancing, and structure your loans around the sale so you're not caught short with costs at settlement.
Ask each agent for the commission, the marketing budget, what you pay if the home does not sell and the estimated selling price, all in writing. In NSW you can negotiate every one of those in the agency agreement. Run each quote through the calculator so you compare the cash you keep, not just the rate.
Ask what each item in the marketing schedule is for and whether it is paid upfront. A family home in a busy street and a unit in a quiet block may need very different campaigns.
Selling first means you know your budget but may need to rent or store furniture. Buying first means two loans for a while. Our guides to buying and selling a house at the same time and bridging loans for Hills District upgraders walk through both.
A fixed rate loan can carry a break cost when you pay it out early. Ask your lender for a payout figure and any break cost, and ask whether the loan can be moved to your next home instead of being paid out.
Selling costs and stamp duty on the next place add up. Sometimes keeping the first home and renting it out, or refinancing to release equity for a renovation, works out better. Read how equity works when buying your next home and buying your next home and renting out the first.
Case study
Before you pay selling costs and stamp duty to get more space, check what your equity can do where you are. A real equity release, with its figures; names left out for privacy. See our home equity loans.
The clients owned their home, valued at about $1.85M, with two existing NAB loan splits totalling around $1.006M.
Checked whether a full refinance would actually leave them better off. It would not.
+2 more in the full story
Access to their equity without disturbing loans that were already working for them.
+2 more in the full story
The situation
The clients owned their home, valued at about $1.85M, with two existing NAB loan splits totalling around $1.006M. They wanted to fund non-structural renovations and upgrades and assumed they would need to refinance everything to do it.
What we did
The result
Sound familiar?
The calculator tells you what the sale costs. What you do with the money is where a broker earns their keep.
5.0 from 360+ Google reviews
The challenge: The right place is on the market now, but your equity is tied up in a home that has not sold yet.
How we handle it: We look at bridging finance, a deposit bond or a longer settlement, and size each one against your likely net sale figure.
The challenge: Two contracts, two settlement dates and one deposit that only exists once the sale goes through.
How we handle it: We get your pre-approval in place before you list, then line up both settlements so you are not caught short in between.
The challenge: Selling costs plus stamp duty on the next place add up, so you wonder whether to keep the first home as an investment.
How we handle it: We compare selling against holding, using your equity for the next deposit, and show what each does to your borrowing power.
The challenge: CGT, a fixed rate break cost and a tenant in place all change what you keep from the sale.
How we handle it: We work through the loan side with your accountant’s CGT figure, then plan the next purchase or the debt you pay down.
The challenge: You want a smaller place and money left over, but need the numbers to work with a smaller loan or none at all.
How we handle it: We work out your net proceeds after costs, then match the next purchase to a loan you can comfortably carry.
The challenge: You need more space or cash, and selling costs make you wonder if a renovation or refinance would do the job instead.
How we handle it: We compare the cost of selling and buying with releasing equity from your current home, side by side.
Reviews
Word for word from Google, from clients who bought their next home, restructured or needed a fast turnaround.
5.0
From 360+ Google reviews
Karl Gilbert
5 years ago on Google
When going thru the stress of purchasing a new home, it helps when you have friends that have gone thru the process. This is how I met Sumit, and the crew at RyRo Loan Centre. They made the whole process as painless and stress free as I could believe possible. Added to that, the fact that we needed the loan quickly approved before the Christmas break, Sumit and his team pulled out all the stops, to make sure we hit the time for settlement at the most difficult time of year. I wish to thank Sumit and his team for all their assistance, and the continual updates on rate information and advice.
Guru Prasadh
3 years ago on Google
Sumit has been my mortgage broker for over couple of years, and this time he and his team helped me to refinance my loan & they provided best possible advice with regard to rates and assisted in loan restructure as well. The paper work was easy to follow and without hassles. Sumit is always a very approachable person and someone who would be willing to walk the extra mile to provide additional insights. I would highly recommend his services for both new home buyers & investors.
Ranjeeta Iyengar
a year ago on Google
What an incredible turnaround with the timeline and delivering exactly what we urgently needed. After our previous broker left us feeling stressed and anxious 2 days before the cooling off, my solicitor referred us to Sumit and his team. They immediately took action and secured an unconditional approval for us within 48 hours—just before the end of our cooling-off period—allowing the sale to move forward. I highly recommend this company. Thank you, Team Ryro !
Varsha Mehra
2 years ago on Google
It was a wonderful experience dealing with Sumit Joshi and his team. Sumit was very informative, helpful, responsive and helped us purchase our new home. He was always available to answer any questions we have and really helped streamline the process for us. He guided us and being first home buyers we were completely amateurs and confused. Sumit explained things to us and made sure we understood them. Thank you.
Local help
Our Norwest office plans sales and next purchases for families from Castle Hill to Kellyville. Meet a mortgage broker in the Hills District who can map your net sale figure onto the next loan.
FAQ
What selling costs, who pays what, tax and duty, and how long a sale takes.
9 answers in 3 topics
Keep planning
Selling costs are one side of the move. These guides and tools cover the other.
Compare with borrowing power or explore our Home Loans overview and Investing overview to see how selling, refinancing or buying your next property could work in practice.
Free strategy call
We generally respond within an hour. Prefer to pick a time? Book your strategy call online.
Sumit Joshi JP
Principal broker, Credit Rep 446824
More videos from Sumit
“Sumit is an outstanding mortgage broker. He patiently worked through our application and got us an awesome result when many other brokers wouldn't assist as we are small business owners. Thank you!”
Sumit Joshi JP, Credit Rep 446824. AFG Award Winner 2013 to 2019 and AFG Excellence Awards finalist 2022 to 2026. Calculator results are estimates. Agent, legal and lender fees vary; check CGT with your accountant.
