25% of $500,000
25% of $500,000.00
$125,000.00
25% of $500,000.00 is $125,000.00.
Quick answer
25% of $500,000 is $125,000. That's a property deposit that sits between the common 20% benchmark most lenders use to waive Lenders Mortgage Insurance and a full 30% deposit — giving a buyer $25,000 more buffer than the 20% minimum, without needing to save all the way to 30%.
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25% of $500,000 is one of numbers, percentages and conversion tools on OneCalculate — see the full set for this category.
Browse MathsHow it works
To find a percentage of a number, multiply the number by the percentage and divide by 100:
result = base × (percent ÷ 100). For this page, that’s $500,000 × (25 ÷ 100) = $125,000. Twenty-five
percent sits between the two common deposit benchmarks: the 20% mark most lenders use to waive
Lenders Mortgage Insurance (LMI), and a
more conservative 30% deposit — so it clears the LMI threshold while still leaving some buffer short of a full
30%.
Worked example
Chloe works for the Australian Public Service in Canberra and has found a two-bedroom townhouse in Gungahlin listed at $500,000. Her bank confirms 20% would be enough to avoid LMI, but she’s chosen to keep saving a little further for extra breathing room in her budget. The calculation: $500,000 × 25% = $125,000. That’s $25,000 more than the $100,000 a 20% deposit would need, but $25,000 less than a full $150,000 at 30% — landing Chloe with a $375,000 loan and a lower repayment than if she’d stopped at the bare minimum.
Frequently asked questions
What is 25% of $500,000?
25% of $500,000 is $125,000. Multiply $500,000 by 0.25, or divide by 4, to get the same answer.
How does a 25% deposit compare with the 20% and 30% benchmarks?
On a $500,000 property, 20% is $100,000 and 30% is $150,000, so a 25% deposit of $125,000 sits exactly halfway between them — clear of the LMI threshold with $25,000 of extra buffer, without needing the full 30%.
Why would someone save 25% instead of stopping at 20%?
A bigger deposit than the 20% minimum reduces the loan amount and can help buffer against price movements between saving and settlement, though it does mean saving for longer than the minimum needed to avoid LMI.
Will a 25% deposit avoid Lenders Mortgage Insurance?
Yes — LMI is typically only charged on deposits below 20%, so a 25% deposit clears that threshold with room to spare.
What would a full 30% deposit be on the same $500,000 property?
30% of $500,000 is $150,000 — $25,000 more than the 25% figure of $125,000.
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Written and verified by Nirbhay Tripathi
Last updated 18 August 2026
All rates on this page are verified againstMoneysmart — Saving for a home deposit, Moneysmart — Lenders mortgage insurance (LMI)on 18 August 2026. See our methodology for the full update calendar.