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Stamp Duty Calculator

Stamp Duty Calculator

Property details

Loan amount ?
$
Property value ?
$
Which state are you buying in?
Is the property in a capital city? ?
Are you relocating to regional area? ?
Which type of property are you buying? ?
Will you move into the property? ?

Other details

Total income of all purchasers
$
Number of dependant children
Property location ?
Are you an Australian citizen or permanent resident??
Are you purchasing residential property?
Are you an eligible senior, pensioner or carer??
Have you or your partner purchased a residential property before? ?

Contact a mortgage broker

Talk to one of our mortgage brokers about your situation: Yes No  

How much stamp duty will you pay? Can you get a discount on stamp duty because you are a first home buyer?

Enter your details in our stamp duty calculator and it will work out if you are eligible for a grant or reduced stamp duty.

Which states does the calculator work for?

  • NSW stamp duty
  • VIC stamp duty
  • QLD stamp duty
  • WA stamp duty
  • ACT stamp duty
  • SA stamp duty
  • TAS stamp duty
  • NT stamp duty

You’ll find that some states charge more in stamp duty than others. In fact, the differences can be quite significant.

The first home benefits for each state are also different as many have special incentives for people buying new properties.

How is stamp duty calculated?

Stamp duty is calculated on a sliding scale as a percentage of the purchase price. It starts off as a relatively low percentage and increases for premium properties.

You can view the stamp duty table for your state to see where the cut-offs are or discuss this with your mortgage broker.

What if I buy a property below value

In most cases, you will need to obtain a stamp duty valuation and pay stamp duty on the value as opposed to the purchase price.

This is common when someone buys a property from their family and is given a discount.

Can I qualify to buy a home?

Our mortgage brokers can assess your situation and work out if you have a large enough deposit to buy a home.

They can also clarify any questions you may have about the cost of stamp duty, transfer fees or first home owners grants.

Speak to our mortgage brokers by calling 1300 889 743 or fill in our free assessment form to find out if you are ready to buy.

  • Julian

    Is the stamp duty equal for the old and the new property?

  • Hi Julian,

    Depending on the state, the stamp duty for a newly constructed property might differ from the stamp duty charged on a established property. The stamp duty for a newly constructed one is usually lower. Apart from that, it also depends on the whether you want to live in it or invest and if it is your first property or not.

  • J, Isabella

    Hello, I’d like to know if stamp duty is the same for an off the plan property vs. an existing property.

  • Hey there, stamp duty is the same for off the plan and existing except for a new property valued at under $550k (no duty) and valued at under $650k (reduced).Over $650k new property will have normal duty.

  • Emile

    What should a certified document have to be acceptable to the banks?

  • Hi Emile,
    As a general rule, please make sure that a written certification be on each document and have the following details:
    – Certifier’s full name including any middle names,
    – Title (position held) or qualification e.g. Justice of the peace or Solicitor,
    – Registration number (where applicable), and
    – It must be signed and dated by the certifier.

    The certifier’s clause note must be clear and readable, especially in the case where the certifier is using a stamp.

  • Richmond

    What would happen if my valuation came up with a smaller amount than anticipated?

  • Hey Richmond,
    If you’re planning to purchase a property and the valuation comes in short, then it isn’t really a bad thing. It just means that the purchase price you’ve agreed on is above the value of the property. If the valuation comes in low it gives you a chance to re-negotiate with the seller. However, if you’re looking to refinance and the property value comes in short then you’re limited in your options. You can challenge a bank’s valuation but the success rate is low. A good solution for this is to order a valuation with another bank and see if it comes in higher.

  • Follett

    Do you know which lenders have the best and most competitive long term fixed rates?

  • Yes, Follett. Finding the cheapest fixed rate is not as simple as a quick Google search as most banks set their fixed mortgage rates on a weekly or fortnightly basis so the answer to this question is always changing. However, we can almost always offer a far superior fixed rate to that offered by your current bank as we have a range of lenders that we can help you choose from. If you are looking for the cheapest fixed rate loan then please call us on 1300 889 743 or simply enquire online:
    https://www.homeloanexperts.com.au/free-quote/

  • Mary

    Hi, I read that in Victoria, the government allows us to pay stamp duty up to 30 days after settlement. Will this be ok with the bank?

  • Hi Mary,
    It may be okay but this can be different from lender to lender. It’s best if you can discuss this with your conveyancer to soee if it will be a problem.