Calculator · Free, no sign-up
Stamp duty calculator — every state & territory
Estimate transfer duty plus mortgage and title-registration fees, with First Home Buyer concessions applied automatically. Figures are indicative — confirm with the state revenue office before settlement.
Estimated stamp duty
$0
FHB full exemption (≤$800k)
Concession applied
− $30,529
Saving vs. standard transfer duty
Mortgage registration
$165
Transfer / title registration
$165
Total government fees
$330
Stamp duty + mortgage reg + transfer
Authoritative source: Revenue NSW
How stamp duty works
Stamp duty (called transfer duty in NSW/QLD/WA, conveyance duty in ACT, and land transfer duty in VIC) is a tax paid to the state government when you buy property. Each state sets its own progressive tier table — the more expensive the property, the higher the marginal rate.
First Home Buyer concessionscan reduce or eliminate duty if you’re buying as an owner-occupier and meet the price threshold for your state. Most states also distinguish between new builds and established homes.
Other government fees (mortgage registration and transfer/title registration) usually total a few hundred dollars and are payable regardless of buyer status.
Want a real number, not a ballpark?
These figures are estimates. A 30-min broker consult will run your specific scenario against the actual lender policies — no fees, no obligation.
Important: This calculator provides an estimate only and does not constitute credit advice. Actual rates, repayments, fees and approval are subject to lender policy and your individual circumstances. Comparison rates are based on a $150,000 loan over 25 years on a secured basis — see footer for the full disclaimer.