Setup & Installation
Or with the ClawHub CLI, for registry-managed skill folders outside a full OpenClaw workspace:
Version History
- Major update: SKILL.md expanded to include comprehensive explanations and up-to-date rates for all calculator components. - Added detailed calculation formulas for LVR, stamp duty (by state), LMI, monthly and interest-only repayments. - Included First Home Buyer concessions and First Home Owner Grant tables for all states and territories. - Provided latest (2024-25) stamp duty brackets and eligibility summaries by jurisdiction. - Added contact links to state revenue offices, plus new disclaimer and lending guidance. - All figures now explicitly in AUD and reflect current government thresholds.
What This Skill Does
Australian mortgage calculator covering LVR, principal-and-interest and interest-only repayments, stamp duty tables for all 8 states and territories (2024-25 rates), LMI cost estimates, First Home Owner Grant amounts by state, and basic borrowing power. All figures are in AUD. Results are estimates for planning purposes, not financial advice.
Consolidates stamp duty brackets, LMI tiers, and first home buyer concessions for all 8 Australian states and territories in one place, removing the need to cross-reference eight separate state revenue office websites.
When to use it
- Calculating stamp duty before making an offer on a Sydney property
- Estimating LMI costs when buying with less than a 20% deposit
- Comparing P&I vs interest-only monthly repayments on a given loan
- Checking first home buyer grant and stamp duty exemption amounts by state
- Estimating maximum borrowing capacity based on annual income and existing debts
Example Workflow
Here's how your AI assistant might use this skill in practice.
User asks: What are the upfront costs for a $750,000 property in NSW with a $75,000 deposit as a first home buyer?
- 1Calculates LVR: $675,000 loan divided by $750,000 property value equals 90%
- 2Looks up NSW stamp duty for $750,000: full exemption applies for first home buyers under the $800,000 threshold
- 3Estimates LMI at 90% LVR tier on $675,000 loan: approximately $10,125 to $16,875
- 4Calculates monthly P&I repayment at 6.5% over 30 years: approximately $4,268
- 5Notes FHOG: NSW $10,000 grant applies to new homes only up to $600,000, so not applicable here
Stamp duty: $0 (FHB exempt), LMI: ~$10,125-$16,875, monthly repayment at 6.5%: ~$4,268