Stamp Duty Calculator

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 NSW 

Stamp duty calculator Victoria 

Stamp duty calculator Queensland

Stamp duty calculator Tasmania

Stamp duty calculator South Australia

Stamp duty calculator Western Australia

Stamp duty calculator ACT 

Stamp duty calculator Northern Territory

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:

• Use an offset account: Having an offset account linked to your home loan can help you cut down the amount of interest you pay, as the account balance will offset against the home loan principal. So, say you had a loan for $800,000 and a balance of $50,000 in an 100% offset account, you would only pay interest on the remaining $750,000.
• Utilise the extra repayments facility: This is another feature certain loans may have and can also reduce the amount of interest you’ll pay. And if you can afford to make extra repayments to your loan, it’s a good idea to find a loan that doesn’t charge a hefty fee to do this.
• Be mindful of fees: It is possible to find a loan that keeps fees to a minimum. The types of fees to keep an eye out for include application, annual or monthly service fees.
• Negotiate: Sometimes you may be able to get a cheaper loan just by asking for it. But it’s always best to go in prepared, so check out these 10 haggling tips that could help you get a better deal on your home loan.