Home loan stamp duty calculator
Find home loans from a wide range of Australian lenders that best suit your needs, whether you're investing, refinancing or looking to buy your first home. Compare interest rates, mortgage repayments, fees and more.
Based on your information, your total government fees will be
Product | Advertised Rate | Comparison Rate* | Company | Monthly Repayment | Features | Real Time Rating™ | Go to site | |
|---|---|---|---|---|---|---|---|---|
1.99% Intro 12 months | 2.47% |  | $1,343 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | More details | |||
2.74% Variable | 2.76% | | $1,382 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | More details | |||
2.59% Variable | 2.60% |  | $1,359 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | More details | |||
2.29% Fixed - 2 years | 3.28% |  | $1,314 | Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | More details | |||
2.09% Fixed - 2 years | 2.35% |  | $1,285 | Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | More details | |||
2.39% Variable | 2.53% | | $1,329 | Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | More details | |||
2.59% Variable | 3.00% |  | $1,359 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | More details | |||
2.68% Variable | 2.69% |  | $1,373 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | More details | |||
2.79% Fixed - 5 years | 3.33% | | $1,390 | Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | More details | |||
1.99% Fixed - 1 year | 3.52% | | $1,270 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | More details | |||
2.19% Variable | 2.22% |  | $1,299 | Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied | More details | |||
2.29% Variable | 2.33% |  | $1,314 | Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | More details | |||
2.29% Variable | 2.33% | | $1,314 | Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | More details | |||
2.19% Variable | 2.23% |  | $1,299 | Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied | More details | |||
1.90% Fixed - 1 year | 2.42% | | $1,257 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | More details |
What is stamp duty?
Stamp duty is a tax charged by state and territory governments whenever certain types of property (including real estate and motor vehicles) are sold. Sometimes called “land transfer duty” or something similar, the tax helps cover the cost of transferring a property’s legal title from one owner to another.
Stamp duty is a one-off charge that you’ll need to pay when you purchase a property. This can significantly increase the upfront costs of buying real estate, which may also include home loan establishment fees, pest and building inspection fees, lenders mortgage insurance (LMI) and more.
How much is stamp duty in my area?
Different states and territories charge stamp duty at different rates, and the cost of stamp duty may depend on a range of factors. Generally, the more the property sells for, the more you may need to pay in stamp duty. Stamp duty may also be charged at different rates for different property types, e.g. vacant land, detached housing or apartments bought off the plan.
Not all home buyers need to pay stamp duty for every property purchase. Several states and territories offer stamp duty discounts, waivers, or concessions for first home buyers, pensioners or other selected borrowers in different financial situations. On the other hand, property investors may be charged stamp duty at higher rates than some other purchasers.
When you buy a property, you’ll likely need to pay stamp duty some time after your settlement date – anywhere from 30 days to three months, depending on your location. This payment is often organised through your conveyancer or solicitor, so you can be confident that there are no outstanding issues that could affect your purchase or transfer of title.
Can stamp duty affect my home loan?
Estimating the cost of stamp duty before you buy a property can make a big difference to your budgeting. Because stamp duty is charged by a government, and not your lender, it’s most often paid upfront out of your savings. This means less of your savings can go toward a deposit, which could mean you’ll be charged for lenders mortgage insurance (LMI) – another significant upfront cost. You may be able to add LMI onto your loan to pay off over time, though this likely means paying more in interest charges.
If you’re not sure of the best option for managing your stamp duty when you buy a property, you could consult a mortgage broker for advice. These experts stay up to date with the latest rules and regulations around stamp duty in your area, and can advise you of some of the best ways to manage the cost of stamp duty when you apply for a home loan.