Stamp duty is a state tax, and the scale here is New South Wales
Transfer duty is levied by the states and territories, each on its own banded scale, and the calculator uses the Revenue NSW scale as the largest single market. Victoria, Queensland, Western Australia and the rest run their own bands and their own first-home concessions, so a Melbourne or Brisbane buyer should check their state revenue office before trusting the completion figure.
The NSW scale is genuinely progressive, from 1.25% at the bottom to a 7% premium rate on high-value homes, applied marginally. Revenue NSW indexes the band thresholds to CPI every 1 July and publishes rounded base amounts per band rather than the marginal arithmetic used here, so a result can sit a little away from their current table.
Every state also runs first-home buyer concessions and exemptions, none of which are modelled. For a first purchase under the relevant threshold the duty shown may be far too high, sometimes zero in reality.
LMI is priced by the insurer, and added to the loan
Lenders mortgage insurance protects the lender, not you, and is charged above 80% loan-to-value. It rises steeply with the ratio, roughly 1% of the loan at 85%, 2% at 90% and 3.5% at 95%, and unlike Canadian CMHC premiums it is set by the insurer and the lender rather than by statute, so your quote will differ from the mid-market tiers used here.
It is capitalised, so it does not appear in your cash to complete; it appears as a larger loan carrying interest for thirty years. Getting to a 20% deposit avoids it outright, which on a typical purchase is worth more than a year of repayments.
Council rates are a flat annual charge set by each council, not a percentage of value, so the running-cost field asks for a yearly amount. Strata fees on an apartment are separate again and can be substantial.