True Cost calculator
For 14 Wattlebird Rise, Castlemaine
Monthly reality
$2,706/mo
Repayments plus rates, insurance, and maintenance
20% deposit | 6.25% p.a. | 30-year loan | rates 0.35% | insurance 0.12% | maintenance 1% p.a.
Not legal, planning, or financial advice.
How we got this
Arvocado cost model | as of 2026-07-06 | Model output from supplied price and assumptions.
Assumes 20% deposit, 6.25% p.a., 30-year loan; 0.35% of price each year; 0.12% of price each year; 1% of price each year
Your input
Victorian duty estimate
Typical market range
Typical market range
Arvocado cost model | as of 2026-07-06 | trueCostMonthlyRepaymentCents
Assumes 20% deposit, 6.25% p.a., 30-year loan
Arvocado cost model | as of 2026-07-06 | trueCostAnnualRatesEstimateCents
0.35% of price each year
Arvocado cost model | as of 2026-07-06 | trueCostAnnualInsuranceEstimateCents
0.12% of price each year
Arvocado cost model | as of 2026-07-06 | trueCostAnnualMaintenanceEstimateCents
1% of price each year
Loan repayments
Assumes 20% deposit, 6.25% p.a., 30-year loan
How this is worked out
Uses the selected deposit, rate, and standard loan term to estimate the monthly loan payment.
$2,167/mo
Council rates
0.35% of price each year
How this is worked out
Applies the selected yearly rates percentage to the property price, then divides by 12.
$128/mo
$1,540/yr
Home insurance
0.12% of price each year
How this is worked out
Applies the selected yearly insurance percentage to the property price, then divides by 12.
$44/mo
$528/yr
Maintenance reserve
1% of price each year
How this is worked out
Sets aside the selected yearly maintenance percentage, then divides by 12.
$367/mo
$4,400/yr
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True Cost on a $440,000
$2,706/mo
14 Wattlebird Rise, Castlemaine
Not legal, planning, or financial advice.