Home Loan Stamp Duty Calculator

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Stamp duty, also known as transfer duty, is a government imposed tax which applies to certain document and transaction exchanges, such as the sale of cars, business assets and property. In the case of purchasing property, it is usually the property buyer who will pay the determined stamp duty amount.

Stamp duty applies nationally but every state and territory has different stamp duty costs which is charged at either a flat rate or based on the value of the transaction.

While all land transfers and property sales incur stamp duty, certain exemptions and concession can apply, so you will need to carry out your own calculations using our calculator above to work out your individual stamp duty costs. See our section on 'How much is stamp duty?' for more information about exemptions.

The government requires that all stamp duty is payable within 30 days of settlement of the property.

It's important to note that stamp duty is one of the biggest upfront costs when buying a home so it's imperative that you estimate the stamp duty amount and factor this into your overall costs before you secure a home loan and purchase a property.

How much is stamp duty?

Stamp duty costs vary for every state and territory but there are a few key factors that will determine the stamp duty charges:

  • The value of your property
  • The state you wish to purchase the property in
  • If this property is your first home purchase
  • The purpose of your property: Live in or invest
  • The type of property you are purchasing: A new home, existing home or land only

Once these keys factors are noted, your stamp duty calculations can be made.


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