Calculator
What could you buy together?
Put in what each of you earns and has saved. This is arithmetic on the numbers you enter — not an assessment, not advice, and nothing leaves your browser.
How many of you
The place you have in mind
New or established
A new home opens the $30,000 grant and the duty concession that reduces transfer duty to nil.
Assumptions
Lenders assess at roughly 3% above the offer rate. This uses that buffer, a 30-year term, standard living-expense benchmarks and a 90% maximum loan-to-value ratio.
At your target
$0
$0Borrowing capacity
$0Buying power
$0Deposit each
$0Repayment each, monthly
Government help at this price
Schemes open to a group this size
This is a sum, not an assessment. Real borrowing capacity varies a
great deal between lenders — how they treat HECS, living expenses, casual
income, and whether they assess you jointly or individually. A broker or
lender will give you a different number, in either direction. Duty and grant
figures reproduce published Queensland criteria as at August 2026 and change
without notice. CoHomed is not a credit provider, does not arrange finance,
and does not determine anyone’s eligibility for anything.
Get started
Numbers looking possible?
Set up a house, invite the others, and work through the schemes properly before you spend anything.