Australian mortgage calculator — LVR, stamp duty, LMI, repayments, and First Home Buyer concessions by state.
- 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.