Property Selling Cost Calculator

Property Selling Cost Calculator See What You’ll Actually Net

This property selling cost calculator adds up every cost involved in selling a property, so you know what you’ll actually net once the sale is complete. Enter your sale price, agent commission, advertising and auction costs, any lender fees on your existing loan, and other selling costs, and it returns a total estimated selling cost.

Most sellers focus on the sale price and forget how many costs come out of it before settlement funds land in their account. Output is an estimate based on your inputs, not a final settlement figure.

Why Agent Commission Isn’t the Only Cost That Adds Up

Real estate agent costs are usually the largest single expense, calculated as a percentage of the sale price, but advertising and auction costs sit on top of that commission and are easy to underestimate when comparing agents on commission rate alone. Whether GST is included in the commission figure also changes the real cost, so it’s worth confirming with your agent before running the numbers.

Lender fees add a second layer most sellers don’t think about until settlement. If you’re discharging a loan to sell, a prepayment fee, settlement fee, or early exit fee can apply depending on your loan type, particularly on fixed rate loans.

The third group, other selling costs, includes the government mortgage discharge fee, solicitor or conveyancing fees, removalist costs, and any outstanding bills settled at the time of sale. None of these individually looks large, but combined with agent commission they can meaningfully reduce what you actually walk away with.

How to Use the Calculator

Work through each section with real figures from your agent, lender, and solicitor where you have them:

• Real estate agent costs. Sale price, commission percentage or dollar amount, advertising, auction costs, whether GST is included

• Lender fees. Prepayment fee, settlement fee, early exit fee

• Other selling costs. Government mortgage discharge fee, solicitor or conveyancing fees, removalist costs, settling costs or outstanding bills

The property selling cost calculator totals each category, then combines them into a total selling cost so you can see your likely net proceeds before you list. Running it early, before committing to an agent or a settlement date, gives you a realistic figure to plan your next move around.

How ADA Financial Services Helps

A selling cost calculator adds up the individual line items. A broker looks at how your net proceeds fit into your next purchase, including whether a bridging arrangement is needed if you’re buying before your current property settles.

ADA Financial Services works through your full position, including what you’re likely to net from a sale and how that flows into borrowing capacity for your next purchase. We’re based on the Sunshine Coast and work with borrowers across Northern Australia. Our fee is paid by the lender at settlement in most standard cases, disclosed in writing before any application proceeds.

Selling and want to know what you’ll actually walk away with?

Speak with an ADA Financial Services specialist about your situation. We help you plan around your net proceeds and how they fit into your next purchase or loan.

This is general information only and does not constitute financial or credit advice. Speak to a licensed broker for advice tailored to your situation.