Settlement Date Calculator
Calculator 1 of 3
Know your date. Know your timeline.
Enter your contract date, state, and settlement period. Get your settlement date, a milestone timeline, and a countdown — adjusted for public holidays.
- Exact settlement date
- Public holiday adjustments
- Milestone timeline
- Countdown by weeks and days
Settlement Cost Estimator
Calculator 2 of 3
No surprises. See the full picture before you commit.
Enter your purchase price, state, and role. Get an itemised estimate of all settlement costs including transfer duty, conveyancing fees, searches, and disbursements.
- Transfer Duty estimate
- First home buyer concessions
- Conveyancing fee estimate
- Full cost breakdown
Cooling-Off Calculator
Calculator 3 of 3
Know exactly when your window closes.
Enter your contract date and state. Get your cooling-off deadline, any penalty that applies if you exercise the right, and a day-by-day countdown.
- Cooling-off deadline date
- Business day count
- Penalty calculation
- Auction exception check
Questions about the calculators
Common questions, plain answers.
Settlement Date Calculator
Settlement dates are counted in calendar days from the contract date, adding the agreed settlement period. If the date falls on a weekend or public holiday, it rolls to the next business day. This calculator handles those adjustments automatically.
Yes, but only with both parties agreeing in writing. This is done by way of a deed of variation or written notice depending on the state. Changes must be agreed before the original settlement date. Velora can assist if your circumstances change.
Most residential settlements occur 4 to 6 weeks after exchange. The period is agreed between buyer and seller and documented in the contract. Shorter settlements are possible but require all parties, including lenders, to be ready.
Settlement Cost Estimator
Transfer Duty (formerly stamp duty) is a state government tax payable by the buyer on most property purchases. It is calculated on a sliding scale based on the purchase price. Rates and thresholds vary by state. This calculator applies the current rates for each state.
Yes. Standard searches including title, council rates, water rates, land tax, and planning certificates are included in Velora's fixed fee. Strata records are also included for strata properties.
No. There is no cooling-off period for properties purchased at auction in any Australian state. Once the hammer falls, the contract is immediately binding. Buyers should complete pest and building inspections and review the contract before auction day.
Cooling-Off Calculator
Conveyancing is the legal process of transferring ownership of property from one person to another. In Australia, you legally need a licensed conveyancer or solicitor to handle this. DIY-ing it is technically possible in some states but the contract traps, stamp duty deadlines and title search requirements make it a genuinely bad idea.
In most states, exercising the cooling-off right attracts a penalty: 0.25% of the purchase price in NSW and QLD; up to 0.2% in VIC. Your conveyancer will confirm the exact amount that applies in your state and circumstances.
Yes. In NSW, a buyer can waive cooling off by having a conveyancer or solicitor sign a 66W certificate. This is common in competitive markets. In other states, cooling off can be waived or shortened by agreement. Velora will advise whether waiving is in your interests before you sign anything.