25% of $600,000
25% of $600,000.00
$150,000.00
25% of $600,000.00 is $150,000.00.
Quick answer
25% of $600,000 is $150,000. For a first-time property investor, that's a deposit between the 20% benchmark most lenders use to avoid Lenders Mortgage Insurance and a fuller 30% deposit — $30,000 more than the 20% minimum, giving some buffer without needing to save all the way to 30%.
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25% of $600,000 is one of numbers, percentages and conversion tools on OneCalculate — see the full set for this category.
Browse MathsHow it works
The formula for any percentage is result = base × (percent ÷ 100). Here, $600,000 × (25 ÷ 100) = $150,000.
Like the equivalent owner-occupier scenario, 25% sits between the 20% deposit most lenders use to waive
Lenders Mortgage Insurance (LMI) and a
fuller 30% deposit — a deposit size some investors choose for extra buffer on a rental purchase without saving
all the way to 30%.
Worked example
Aisha is a first-time property investor based in Cairns, Queensland, still renting her own home while she builds a portfolio. She’s found a $600,000 unit near the Esplanade that she plans to rent out to tourists and seasonal workers. Her lender confirms 20% would clear the LMI threshold, but Aisha wants a bit more equity buffer from day one. The calculation: $600,000 × 25% = $150,000. That’s $30,000 more than the $120,000 a 20% deposit would need, leaving her with a $450,000 investment loan — smaller than if she’d stopped at the bare 20% minimum, and $30,000 short of a full 30% deposit.
Frequently asked questions
What is 25% of $600,000?
25% of $600,000 is $150,000. Multiply $600,000 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 an investment property?
On a $600,000 property, 20% is $120,000 and 30% is $180,000, so a 25% deposit of $150,000 sits between the two — $30,000 more than the LMI-avoidance minimum, and $30,000 short of the more conservative 30% figure.
Do investment property loans need a bigger deposit than owner-occupier loans?
Not always by rule, but some lenders apply stricter loan-to-value limits or pricing to investment loans, so many investors choose to save a deposit above the bare 20% minimum for a bit more approval headroom.
Will a 25% deposit avoid Lenders Mortgage Insurance on an investment property?
Generally yes — LMI is usually only charged below a 20% deposit, regardless of whether the property is owner-occupied or an investment, so 25% clears that threshold.
What would a full 30% deposit be on the same $600,000 property?
30% of $600,000 is $180,000 — $30,000 more than the 25% figure of $150,000.
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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.