Stamp Duty Calculator: Australian Property Transfer Duty 2022

What is stamp duty?

Stamp duty is a fee you pay the government when you buy property in Australia. It is called transfer duty in some states. This is an upfront cost when you’re buying a home.

Can I get a stamp duty exemption?

Our stamp duty calculator, above, will work out whether you’re eligible an exemption or reduced stamp duty.

Ready to apply for a home loan?

Give us a call on 1300 889 743 or complete our free assessment form to speak with one of our mortgage brokers.

How is stamp duty calculated? Does it vary by state and territory?

Stamp duty is calculated as a percentage of the purchase price. It starts at a relatively low percentage and increases for premium properties. You’ll find that some states charge more in stamp duty than others. In fact, the differences can be significant.

The first home buyer benefits are also different for each state and territory, as many have special incentives for people buying new properties. You can discuss the rates with your mortgage broker or click the following links to see the stamp duty fees and potential benefits where you plan to buy.

What if I buy a property below its value?

If you buy property from a family member, you may receive a discount. When this happens, in most cases you will need to obtain a stamp duty valuation and pay the duty on the value of the property, as opposed to the purchase price.

When do I pay stamp duty?

Stamp duty is usually paid on settlement day or shortly afterwards.

State/Territory When To Pay Stamp Duty
New South Wales Within 3 months of settlement
Victoria Within 30 days of property transfer (which is usually the settlement date)
Queensland Within 30 days of settlement
Northern Territory Within 60 days of entering into transaction OR settlement (whichever is earlier)
South Australia On settlement day
Tasmania Within 3 months of property transfer (which is usually on the settlement date)
Western Australia Within 2 months of settlement
Australian Capital Territory Within 28 days of settlement

Experts are here to help

The aid of experts can remove the stress and hassle from paying stamp duty and he rest of the home buying process. A conveyancer will manage the paperwork and pay the stamp duty to the proper revenue office so there are no hiccups.

At Home Loan Experts, our mortgage brokers can help you calculate how much stamp duty you’ll pay according to where you’re buying

Can I qualify for a home loan?

Home Loan Experts’ mortgage brokers can assess your situation and work out whether you have a large enough deposit to buy a home. They can also answer any questions you may have about stamp duty, transfer fees or first home buyer grants.

To speak to our mortgage brokers, call 1300 889 743 or fill in our free assessment form to find out whether you’re ready to buy.

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The latest updates to the stamp duty calculator were made in August 2021 to incorporate the recent policy changes.