Estimate your stamp duty, upfront costs, and indicative repayments for a property purchase anywhere in Australia.
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Important: This calculator provides estimates only and does not constitute financial, legal, or tax advice. Stamp duty (land transfer duty / transfer duty) calculations are based on published state and territory revenue office rates for the 2025-26 financial year. Rates, thresholds, and concessions may change without notice and should be verified before signing a contract of sale.
First home buyer concessions are subject to eligibility criteria which generally include Australian citizenship or permanent residency, no prior property ownership in Australia, and a requirement to occupy the property as your principal place of residence (typically within 12 months of settlement for a continuous period). Additional conditions and income tests may apply in certain states and territories. The calculator applies general concession thresholds only and does not account for all available exemptions, including off-the-plan concessions, pensioner concessions, regional concessions, or new-home-specific exemptions. First home buyer concessions do not apply to investment properties.
Repayment estimates assume a principal and interest loan at the interest rate and loan term you select. They do not account for lender fees, ongoing charges, offset account balances, or lenders mortgage insurance (LMI). LMI may apply where the loan-to-value ratio exceeds 80%. Your actual repayments will depend on the loan product, lender, and your individual circumstances.
Transfer and registration fees shown are approximate and vary by state and transaction type. Actual fees are determined at the time of settlement by the relevant state or territory authority.
This calculator does not account for foreign purchaser additional duty surcharges, which apply in most states at rates of 7-9% for non-Australian citizens and non-permanent residents.
Always confirm your exact stamp duty liability and total purchase costs with a licensed conveyancer, solicitor, or the relevant state revenue office before making purchasing decisions.
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