Stamp Duty Calculator

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Assumptions

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Home Buyers Concession
From 1 July 2022, the amount of the home buyer concession is capped. Maximum concession amount is $34,790.

Factors such as previous property ownership, property value, income & number of dependants are all considered. To see if you are eligible, visit here.

Off the plan units - from 1 April 2022
For contracts exchanged on or after 1 April 2022, there is no stamp duty on off-the-plan unit (unit-titled apartment and townhouses) owner occupier purchases valued at $600,000 or less.


Owner occupier duty concession
The ACT Government is offering stamp duty concessions in the ACT for some home buyers planning to live in their new property. Note these are separate from a new owner occupier base rate for stamp duty.

For more information on Owner Occupier duty concession, see here.

Extra Information

First Home Buyer Choice
As part of the 2022-23 Budget, the NSW Government announced that first home buyers purchasing properties up to $1.5 million will be provided the option to pay an annual property tax instead of transfer duty. This initiative is in addition to the existing First Home Owner (New Homes) Grant, and the First Home Buyers Assistance Scheme offering transfer duty exemptions and concessions. For more information, visit the NSW Government website.

First Home Buyers Assistance
If your First Home is and is a new or existing property, you will pay $0 duty below $650,000 and then a reduced amount between $650,000 and $800,000. Your stamp duty will be: $

First Home Owner Grant (New Homes).
A $10,000 First Home Owner Grant (FHOG) is available when you buy or build your first new home.

Your first new home can be a house, townhouse, apartment, unit or similar that is newly built, purchased off the plan or substantially renovated.

How much can I spend? If you purchase a newly built house, townhouse, apartment, unit or similar the purchase price must not exceed $600,000. More information here

For all other grants and schemes please click here.

Extra Information

First Home Owners

First home owner grant
How to apply for a $10,000 grant to buy or build a new home in the Northern Territory.

First Home Owner Discount
This scheme finished on June 30 2021.

Extra Information

Home Builder Grant The HomeBuilder grant is closed to new applications.

The Queensland First Home Owners' Grant is a state government initiative to help first home owners to get their new first home sooner.
If your contract is dated 1 July 2018 or later, you can get the Queensland grant of $15,000 towards buying or building your new house, unit or townhouse (valued at less than $750,000). The grant is paid per new home; not to each of the applicants for the same home.


All the details on Financial help and incentives here.

Extra Information

You may be eligible, as a first home buyer for a grant of up to $15,000 on the purchase or construction of a new residential home in South Australia.

For FHOG amounts and conditions please Click here

Extra Information

First Home Owner Grant

A first home owner grant is available to eligible applicants who purchase or build a new home in Tasmania from 1 July 2016. ​​A new home is a home that has not previously been occupied or sold as a place of residence and includes kit homes.​

$30 000 grant: for transactions that commence between 1 April 2021 and 30 June 2023. See conditions

Duty concession for first home buyers of established homes factsheet
Provides a 50 per cent concession on property transfer duty for first home buyers of established homes with a property value of $600 000 or lower. The concession has been extended until 30 June 2023.
Calculations to the right do not show discount.

Duty concession for pensioners downsizing to a new home factsheet
Provides a 50 per cent property transfer duty concession until 30 June 2023 to eligible pensioners who sell their existing home and downsize to a new home valued at $600 000 or lower.

Foreign investor duty surcharge
Foreign Investor Duty Surcharge from 1 April 2020 is charged as an additional 8 per cent on the dutiable value for all transactions of residential property by foreign persons. An additional1.5 per cent on the proportion of the dutiable value of primary production property directly or indirectly acquired by a foreign person.

Extra Information

First Home Owner Grant If you are buying or building a new home valued up to $750,000, you may be eligible for a First Home Owner Grant (FHOG). If you are eligible for the FHOG and the home you are buying is in regional Victoria, you will receive $20,000.
If the home is not in regional Victoria, the grant is $10,000. The home must be less than five years old to be eligible for the FHOG.

Exemptions and Concessions

  • First-home buyer duty exemption or concession - a one-off duty exemption for a PPR valued up to $600,000, or a concession for a PPR with a dutiable value from $600,001 to $750,000. This duty exemption/concession is separate and distinct from the First Home Owner Grant. The grant is a payment made to you, whereas the first home buyer duty exemption/concession is a reduction in the amount of land transfer duty you pay.
  • Off-the-plan concession - a duty concession for an off-the-plan property, either as a land and building package, or as a refurbished lot.
  • Pensioner concession - a one-off duty exemption or concession for a new or established home valued up to $750,000.
  • Principal place of residence (PPR) concession - a duty concession for when a property you buy, valued up to $550,000, is intended as your primary home.
  • First-home owner with family exemption/concession - a one-off duty exemption or concession for properties valued at $200,000 or less.
  • Young farmer's exemption/concession - a one-off duty exemption/concession for young farmers buying their first farmland property.
All Information can be found here.

Stamp duty on property

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Transfer fee

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Mortgage registration fee

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Total fees

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State / Territorial Revenue Web Sites

Disclaimer:These Calculators are for illustrative purposes and do not constitute advice or a guarantee of a loan approval.