Home loan stamp duty calculator
Whether you're investing or looking to buy your first home, RateCity's stamp duty calculator can help you calculate the total government fees due on your property purchase. Compare home loan interest rates, mortgage repayments, and fees on RateCity today.
Based on your information, your total government fees will be
Advertised Rate 2.48% Variable | Comparison Rate* 2.50% | Company ![]() | Repayment $1,343 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | More details | ||
Advertised Rate 1.75% Fixed - 3 years | Comparison Rate* 2.22% | Company ![]() | Repayment $1,235 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | More details | ||
Advertised Rate 2.34% Variable | Comparison Rate* 2.34% | Company ![]() | Repayment $1,322 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | Winner of Best variable, RateCity Gold Awards 2021 More details | ||
Advertised Rate 2.09% Fixed - 3 years | Comparison Rate* 2.60% | Company ![]() | Repayment $1,285 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | More details | ||
Advertised Rate 2.74% Variable | Comparison Rate* 2.74% | Company ![]() | Repayment $1,382 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | Winner of Best investment home loan, RateCity Gold Awards 2021 More details | ||
Advertised Rate 2.59% Variable | Comparison Rate* 2.60% | Company ![]() | Repayment $1,359 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | More details | ||
Product | Advertised Rate 2.09% Fixed - 3 years | Comparison Rate* 2.43% | Company ![]() | Repayment $1,285 monthly | Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied | Go to site | Winner of Best 3 year fixed pi, RateCity Gold Awards 2021 More details | |
Advertised Rate 1.77% Variable | Comparison Rate* 1.83% | Company ![]() | Repayment $1,238 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Go to site | Winner of Best refinance home loan, RateCity Gold Awards 2021 More details | ||
Product | Advertised Rate 2.29% Variable | Comparison Rate* 2.36% | Company ![]() | Repayment $1,314 monthly | Features Redraw facility Offset Account Borrow up to 75% Extra Repayments Interest Only Owner Occupied | Go to site | More details | |
Advertised Rate 2.54% Variable | Comparison Rate* 2.55% | Company ![]() | Repayment $1,352 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | More details | ||
Advertised Rate 2.49% Variable | Comparison Rate* 2.56% | Company ![]() | Repayment $1,344 monthly | Features Redraw facility Offset Account Borrow up to 75% Extra Repayments Interest Only Owner Occupied | Go to site | More details | ||
Product | Advertised Rate 1.99% Fixed - 3 years | Comparison Rate* 2.61% | Company ![]() | Repayment $1,270 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | Winner of Best 3 year fixed pi, RateCity Gold Awards 2021 More details | |
Product | Advertised Rate 1.89% Fixed - 2 years | Comparison Rate* 2.94% | Company ![]() | Repayment $1,256 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | More details | |
Advertised Rate 2.09% Variable | Comparison Rate* 2.12% | Company ![]() | Repayment $1,285 monthly | Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied | Go to site | Winner of Best refinance home loan, RateCity Gold Awards 2021 More details | ||
Product | Advertised Rate 2.17% Variable | Comparison Rate* 2.20% | Company ![]() | Repayment $1,297 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | Winner of Best variable, Best refinance home loan, RateCity Gold Awards 2021 More details |
Stamp duty calculator
RateCity's stamp duty calculator can provide you with an estimate of your total government fees when buying a residential property, based on the information you input. The estimate includes stamp duty, mortgage registration and transfer fees.
In order to determine the most accurate estimate, the calculator takes into consideration the following factors:
- Whether you are purchasing the property as your principal place of residence (as an owner occupier), or to rent out (as a property investor)
- The state or territory in which the property is located
- The value of the property
- Whether or not you are a first home buyer
- Whether you are purchasing an existing property, buying off the plan, or only buying land
The calculator will also use this information to determine and apply any concessions or exemptions you may be eligible for.
What is stamp duty?
Stamp duty is a tax charged by each of the state and territory governments in Australia 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. Additional to the purchase price, it 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 higher amount of stamp duty you may need to pay. 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.
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.
How is stamp duty calculated?
Stamp duty is generally calculated on a sliding scale, based on the property’s sale price or current market value, whichever is higher. The lower the property's dutiable value, the less tax you’ll likely need to pay when you buy it.
States and territories often calculate stamp duty based on value categories (e.g. between $83k and $310k, or between $310k to $1.033 mil etc.), which are frequently updated. You may be charged transfer duty at a set rate for the value category the property falls into, plus an extra fee based on how much higher the property’s value is than the category’s minimum value (e.g. a base rate of $9,285 plus $4.50 for every $100 over $310,000).
Who is eligible for a stamp duty concession or exemption?
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.
To determine whether you may be eligible for a stamp duty exemption or concession, visit your state or territory's government website:
- New South Wales (NSW): www.revenue.nsw.gov.au
- Victoria (VIC): www.sro.vic.gov.au
- Queensland (QLD): www.qld.gov.au
- Western Australia (WA): www.wa.gov.au
- South Australia (SA): www.revenuesa.sa.gov.au
- Tasmania (TAS): www.sro.tas.gov.au
- Australian Capital Territory (ACT): www.revenue.act.gov.au
- Northern Territory (NT): www.nt.gov.au
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.
How can a mortgage broker help me with stamp duty rates and questions?
Mortgage brokers are licensed experts with a specialised knowledge of the home loan market. They can provide professional financial advice, while helping you shortlist lenders and apply for home loans that are suitable for you.
When it comes to questions on stamp duty and other government fees, a mortgage broker will typically have an in-depth understanding of this information and can provide you with accurate details that reflect your personal circumstances.
If you're interested in learning more, consider reaching out directly to a mortgage broker.