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How Much Deposit Do You Need for an Investment Property?

Find out how much deposit you need for an investment property in Australia, plus stamp duty, LMI, and other upfront costs to budget for.

13 min read9 February 2026
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In this article
  1. Standard Deposit Requirements
  2. Lenders Mortgage Insurance (LMI)
  3. Beyond the Deposit: Total Upfront Costs
  4. Stamp Duty by State (2026 Overview)
  5. How to Save for Your Deposit Faster
  6. Can You Invest with Less Than 20%?
  7. Using Equity from an Existing Property
  8. Frequently Asked Questions
  9. Take the Next Step

LMI Cost

Lenders Mortgage Insurance (LMI) can add $10,000-$40,000+ to your upfront costs on a sub-20% deposit. It protects the lender, not you. Always calculate whether the LMI cost is worth the faster entry into the market.

Virtual Buyers Agent handles this automatically.
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In this article

  1. Standard Deposit Requirements
  2. Lenders Mortgage Insurance (LMI)
  3. Beyond the Deposit: Total Upfront Costs
  4. Stamp Duty by State (2026 Overview)
  5. How to Save for Your Deposit Faster
  6. Can You Invest with Less Than 20%?
  7. Using Equity from an Existing Property
  8. Frequently Asked Questions
  9. Take the Next Step

Written by

George
George

Founder, Virtual Buyers Agent

Data Engineer who built Virtual Buyers Agent after using a systematic framework to earn 8.2% rental yield on his first investment property.

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Written by

George
George

Founder, Virtual Buyers Agent

Data Engineer who built Virtual Buyers Agent after using a systematic framework to earn 8.2% rental yield on his first investment property.

ShareinLinkedIn𝕏Post

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