When you go to buy real estate in Australia, don't forget stamp duty. Check out our stamp duty calculator for an estimate of what it might cost to make your dream home a reality. Start now!
Calculations valid for 2023-2024 financial year Includes duty discounts for first home buyers but does not include state or federal grants Some states may give further discounts or exemptions in certain circumstances
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Owner Occupier, Refinance Only, LVR <80%
For refinancers only. Built by CommBank, the Unloan is the first home loan with an increasing discount (conditions apply) for borrowers. No application or banking fees. No monthly account keeping or early exit fees. Apply in as little as 10 minutes.
For refinancers only. Built by CommBank, the Unloan is the first home loan with an increasing discount (conditions apply) for borrowers. No application or banking fees. No monthly account keeping or early exit fees. Apply in as little as 10 minutes.
Read our Mozo Review to learn more about the Unloan Variable
Owner Occupier, Principal & Interest, Refinance Only
Enjoy a competitive variable interest rate from Up. No application, monthly, annual, redraw, or discharge fees to pay. Up to 50 free offset accounts available. Up home loans are only available to owner-occupiers buying or refinancing in major Australian cities. Up is 100% owned by Bendigo Bank. New joiners get $10 by signing up to the app using code UPHOMEMOZO. (T&Cs apply) Mozo Experts Choice award winner.
Enjoy a competitive variable interest rate from Up. No application, monthly, annual, redraw, or discharge fees to pay. Up to 50 free offset accounts available. Up home loans are only available to owner-occupiers buying or refinancing in major Australian cities. Up is 100% owned by Bendigo Bank. New joiners get $10 by signing up to the app using code UPHOMEMOZO. (T&Cs apply) Mozo Experts Choice award winner.
Read our Mozo Review to learn more about the Home Variable Rate
Owner Occupier, Principal & Interest, LVR<80%
Package benefits across Home Loans, Visa Credit Card, Personal Loans and Term Deposits. No package fee for the first year. No application, settlement or redraw fees to pay. Quick and easy application. Free CoreLogic RP Data property reports. *Terms, conditions and lending criteria apply.
Package benefits across Home Loans, Visa Credit Card, Personal Loans and Term Deposits. No package fee for the first year. No application, settlement or redraw fees to pay. Quick and easy application. Free CoreLogic RP Data property reports. *Terms, conditions and lending criteria apply.
Read our Mozo Review to learn more about the Variable Rate Home Loan Special Offer
LVR<80%, Owner Occupier, Principal & Interest
Get a competitive variable rate with ING’s Mortgage Simplifier. Free extra repayments, no monthly or annual fees. Freedom to make free extra repayments or redraws. Winner of Australia’s Best Essential Bank in the Mozo Experts Choice Awards.
Get a competitive variable rate with ING’s Mortgage Simplifier. Free extra repayments, no monthly or annual fees. Freedom to make free extra repayments or redraws. Winner of Australia’s Best Essential Bank in the Mozo Experts Choice Awards.
Read our Mozo Review to learn more about the Mortgage Simplifier
Investment, Refinance Only
For refinancers only. Built by CommBank, the Unloan is the first home loan with an increasing discount (conditions apply) for investors. No application or banking fees. No monthly account keeping or early exit fees. Apply in as little as 10 minutes.
For refinancers only. Built by CommBank, the Unloan is the first home loan with an increasing discount (conditions apply) for investors. No application or banking fees. No monthly account keeping or early exit fees. Apply in as little as 10 minutes.
Read our Mozo Review to learn more about the Unloan Variable
Owner Occupier, Principal & Interest, Refinance Only
Enjoy the security of a competitive fixed interest rate from Up. No application, monthly, annual, redraw, or discharge fees to pay. Up to 50 free offset accounts available. Up home loans are only available to owner-occupiers buying or refinancing in major Australian cities. Up is 100% owned by Bendigo Bank. New joiners get $10 by signing up to the app using code UPHOMEMOZO. (T&Cs apply). Mozo Experts Choice award winner.
Enjoy the security of a competitive fixed interest rate from Up. No application, monthly, annual, redraw, or discharge fees to pay. Up to 50 free offset accounts available. Up home loans are only available to owner-occupiers buying or refinancing in major Australian cities. Up is 100% owned by Bendigo Bank. New joiners get $10 by signing up to the app using code UPHOMEMOZO. (T&Cs apply). Mozo Experts Choice award winner.
Read our Mozo Review to learn more about the Home Fixed Rate
Owner Occupier, Principal & Interest, LVR <80%
Competitive low rates available for owner occupiers. Free online redraws. 100% offset account for a small fee ($10 p/mth). Quick and easy application online. Get a free evaluation (Valued up to $300). Minimum loan amount $100K.
Competitive low rates available for owner occupiers. Free online redraws. 100% offset account for a small fee ($10 p/mth). Quick and easy application online. Get a free evaluation (Valued up to $300). Minimum loan amount $100K.
Principal and Interest, LVR <90%
Affordable home loan rate for buyers or refinancers. No monthly or ongoing fees. Option to add an offset for 0.10%. Access to savings with unlimited redraws available. Minimum 10% deposit required. Advertised rates include Nov RBA rate increase. T&Cs apply.
Affordable home loan rate for buyers or refinancers. No monthly or ongoing fees. Option to add an offset for 0.10%. Access to savings with unlimited redraws available. Minimum 10% deposit required. Advertised rates include Nov RBA rate increase. T&Cs apply.
Read our Mozo Review to learn more about the Variable Home Loan 90
Owner Occupier, Principal & Interest, LVR <80%
Refinance your eligible home loan of $250,000+ and 80% or less LVR and get $2,000 cashback (T&Cs apply) with ANZ’s Simplicity PLUS Home Loan Special Offer. Get discounted rates upfront on eligible loans (T&Cs apply). $0 set up or ongoing fees to pay. Verify your ID and sign documents online for super simple home loan refinancing.
Refinance your eligible home loan of $250,000+ and 80% or less LVR and get $2,000 cashback (T&Cs apply) with ANZ’s Simplicity PLUS Home Loan Special Offer. Get discounted rates upfront on eligible loans (T&Cs apply). $0 set up or ongoing fees to pay. Verify your ID and sign documents online for super simple home loan refinancing.
Read our Mozo Review to learn more about the Simplicity PLUS Special Offer
Owner Occupier, Principal & Interest, <80% LVR
Get competitive rates on loan terms of 5 to 30 years with the Aussie Elevate Home Loan. Structure your loan with up to five splits. Make additional repayments (T&Cs apply). Offset accounts available. Unlimited redraw using your online banking account. Choose from weekly, fortnightly or monthly payments For loan amounts from $10,000 to $5 million.
Get competitive rates on loan terms of 5 to 30 years with the Aussie Elevate Home Loan. Structure your loan with up to five splits. Make additional repayments (T&Cs apply). Offset accounts available. Unlimited redraw using your online banking account. Choose from weekly, fortnightly or monthly payments For loan amounts from $10,000 to $5 million.
Read our Mozo Review to learn more about the Elevate
Investor, Principal & Interest, LVR <80%
Competitive low rates available for investors. Free online redraws. 100% offset account for a small fee ($10 p/mth). Get a free evaluation (Valued up to $300). Fast online application. Minimum loan amount $100K.
Competitive low rates available for investors. Free online redraws. 100% offset account for a small fee ($10 p/mth). Get a free evaluation (Valued up to $300). Fast online application. Minimum loan amount $100K.
Read our Mozo Review to learn more about the Well Balanced
^See information about the Mozo Experts Choice Home loans Awards
*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.
While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.
Stamp duty, or often referred to as transfer duty, is a government charge you will have to pay once you buy a new home or investment property. Typically, stamp duty it is expected to be paid within the first 30 days to three months of settlement on your new property.
Stamp duty is calculated by the market value of the property and the price paid for the property. Taking into account of your state’s regulations and the details of your loan, our calculator can give you an accurate estimate of the amount you could be expected to pay.
If you’re a first home buyer, you may be eligible for certain stamp duty concessions or exemptions, thanks to the rollout of State Government’s First Homebuyer schemes. But you won’t need to worry about calculating these amounts, our calculator will automatically apply any concessions or exemption you are eligible for to your total stamp duty amount or you could check out our first home buyer stamp duty calculator which has been designed especially for you.
That's easy! We've designed calculators to crunch the numbers on stamp duty in each state. Check them out below.
Stamp duty calculator Victoria
Stamp duty calculator Queensland
Stamp duty calculator Tasmania
Stamp duty calculator South Australia
Yes, once you start using our stamp duty calculator, you’ll notice there is also a mortgage registration and transfer fee you’ll need to pay. A mortgage registration fee is the charge you pay to set up your home loan and a transfer fee is the cost to move over the title of the property.
But there are a few costs that you’ll also need to factor into your budget before you walk through the front door of your new home. For instance, building and pest inspection fees should be considered along with conveyancing fees, which is the cost a conveyancer will charge to guide you through the process of transferring the property’s title from the previous owner to you. And before you exchange contracts, you’re likely to need a home insurance policy ready to go, because this is when you become legally obliged to purchase the property and it could also be a requirement in your mortgage contract.
If you’re after the best home loan deal around, you’ll need our home loan comparison tool. It currently compares over 500 home loans from 80 lenders and covers a wide range of lenders in the market. Simply plug in your details and our comparison tool will pull up some great home loan options that could be right for you.
But if you’d a more personalised home loan comparison, plug your details into our home loan search tool!
Choosing to buy a home in Australia can be a rewarding, yet costly process. So if you’re keen to save on costs wherever you can, shopping around on interest rates can help. These days, there are stacks of different lenders to choose from, like big banks, credit unions and even online lenders. Our Home Loans Interest Rates page helps you compare interest rates offers from a range of lenders to potentially find the right option for you.
Yes we do! Although your home may be the most important asset you own, it doesn’t mean you can’t save a little cash along the way. Here a few ways to help save on your home loan: