Stamp Duty Calculator Northern Territory

Stamp duty fees vary from state to state, so if you’re wondering just how much you’ll need to put away to reach your Northern Territory property goal, you’ve come to the right place. Get started today by plugging your details into our handy NT stamp duty calculator and let it do the rest.

Is the property vacant land?

Calculations valid for 2020-2021 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

What next?

Check out some top home loan offers, read up on all things home loans or check out our other calculators

Home loan comparisons on Mozo

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    Mozo Experts Choice 2021
    Smart Booster Home Loan

    1 Year Discounted Variable Rate, Owner Occupier, Principal & Interest, <80% LVR

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    1.99% p.a.variable for 12 months and then 2.48% p.a. variable
    2.47% p.a.

    A super low introductory rate home loan with no monthly or ongoing fees. Unlimited free redraws and unlimited additional repayments to help you build your equity and own your home sooner. Multiple loan splits available. (Rates revert after introductory period ends). 20% minimum deposit required. Winner of two Mozo Expert's Choice Awards for 2021.

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    Fixed Rate Loan with Orange Advantage

    Owner Occupiers, Principal & Interest, LVR <80%

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    2.04% p.a.
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    3.60% p.a.

    Know exactly what your repayments will be, and you can fix your rate for up to 5 years. No monthly, annual fee or transaction fees.

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    UHomeLoan

    Owner Occupier, Principal & Interest

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    1.85% p.a.
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    2.24% p.a.

    $0 fees and easy application. Choose between weekly, fortnightly or monthly repayments. 3 year fixed rates are for new Owner Occupier Principal & Interest loans.

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    Mozo Experts Choice 2021
    Variable Home Loan Special

    Owner Occupier, Principal & Interest, LVR <70%

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    2.09% p.a. variable
    2.12% p.a.

    Yard’s low-rate variable special home loan is packed with all features – unlimited additional repayments, free redraw, 100% offset account. Enjoy a simple online application. Special rate applies to home loan applications submitted by 31st May 2021. Low Cost Home Loan winner in the Mozo Expert's Choice Awards for 2021.

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    Mozo Experts Choice 2021
    Celebrate Variable Home Loan

    <60% LVR, Owner Occupier, Principal & Interest

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    2.19% p.a. variable
    2.19% p.a.

    Fast and efficient online application. Automatic discounts as loan is paid off. Free extra repayments and redraw facility. Zero fees to consider. Min 40% deposit required. Winner of three Mozo Expert's Choice Awards for 2021.

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    Basic Home Loan

    Fixed, Owner Occupier, Principal & Interest, LVR<70%

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    Initial monthly repayment
    2.09% p.a.
    fixed 3 years
    2.43% p.a.

    Get a flexible loan structure with up to six loan accounts with different rate types. Make free extra repayments. Enjoy free redraw facility. No upfront or ongoing fees. Option to earn Qantas points.

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    Special Fixed Rate Home Loan

    Owner Occupier, Principal & Interest

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    1.98% p.a.
    fixed 3 years
    3.56% p.a.

    Great fixed low rate. Ability to split your loan between fixed and variable. Insurance discounts and $0 credit card or personal loan fee available. $2,000 cashback offer for investor & owner occupied home loans over $250k with LVR ≤80% when refinancing to Newcastle Permanent. Enjoy local branches and call centre.

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  • Hot Deal$3,000 cashback when you refinance your home loan to BOQ (T&Cs apply)
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    Mozo Experts Choice 2021
    Discount Fixed Rate

    Owner Occupier, Principal & Interest, <80% LVR

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    1.89% p.a.
    fixed 2 years
    3.05% p.a.

    Have the certainty of fixed repayments with a competitive rate from BOQ. Flexible repayment options available and make up to $5,000 in additional repayments annually. $3,000 cashback when you refinance your home loan to BOQ (min. $250k lending, max 80% LVR, T&Cs apply). Fixed Rate Home Loan Winner in the Mozo Expert's Choice Awards for 2021.

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    Mozo Experts Choice 2021
    Well Balanced

    Owner Occupier, Principal & Interest, LVR <80%

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    2.17% p.a. variable
    2.20% p.a.

    Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee. Purchase, Refinance or Equity Release purposes allowed. Offset Home Loan winner in the Mozo Expert's Choice Awards for 2021.

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    Neat Home Loan

    Owner Occupier, Principal & Interest, LVR <60%

    interest rate
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    2.19% p.a. variable
    2.20% p.a.

    Competitive variable rate. Borrowers choose their repayment schedule (weekly, fortnightly or monthly) and can also make extra repayments. Redraw facility available. Simple online application process. 40% deposit required.

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    Special Offer Fixed Rate Home Loan

    Owner Occupier, Principal & Interest

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    1.99% p.a.
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    2.70% p.a.

    Limited time 3 Year Fixed Rate Special Offer for purchase or refinance. Rate lock option available. No monthly or ongoing fees.

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    Fixed Home Loan

    Owner Occupier, Principal & Interest

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    1.89% p.a.
    fixed 2 years
    2.15% p.a.

    Award-winning low rate home loan that could save you thousands. No application or ongoing fees, fee-free redraws, unlimited additional repayments and an optional offset account for $10/month. Minimum 10% deposit. Winner of Mozo’s Experts Choice Award for Online Home Lender of the Year 2021.^

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  • Hot DealReceive $3,288 cashback when refinancing to HSBC (T&Cs apply)
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    Fixed Rate Home Loan

    Owner Occupier, Principal & Interest, LVR <80%

    interest rate
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    Initial monthly repayment
    1.88% p.a.
    fixed 2 years
    2.86% p.a.

    Ability to split your home loan between Fixed and Variable. Dedicated Relationship Manager. Refinancers borrowing $250,000 or more will receive $3288 (T&Cs, eligibility and lending criteria apply).

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  • Hot DealAvailable to self-employed and PAYG borrowers
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    Prime Home Loan

    Owner Occupier, Principal & Interest, LVR <70%

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    2.44% p.a. variable
    2.49% p.a.

    A competitive rate for Aussies looking for a fast and flexible home loan. No credit scoring or ongoing fees. Extra repayments and redraw available. Get a dedicated specialist for the loan application process.

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    Fixed Home Loan Special Offer

    Owner Occupier, Principal & Interest, <80% LVR

    interest rate
    comparison rate
    Initial monthly repayment
    1.89% p.a.
    fixed 2 years
    2.85% p.a.

    Competitive low rates starting from 1.89% (2.85% comparison rate) 2 years fixed for owner occupiers. No monthly account keeping fees & No loan establishment fee.

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    Basic Home Loan

    Fixed, Owner Occupier, Principal & Interest, LVR 70-80%

    interest rate
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    Initial monthly repayment
    2.09% p.a.
    fixed 2 years
    2.56% p.a.

    Get a flexible loan structure with up to six loan accounts with different rate types. Make free extra repayments. Enjoy free redraw facility. No upfront or ongoing fees. Option to earn Qantas points.

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    Well Balanced Fixed

    Owner Occupier, Principal & Interest, LVR <80%

    interest rate
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    Initial monthly repayment
    2.04% p.a.
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    2.17% p.a.

    Super low rates from an online lender and the personal support from a family run company Free extra repayments and redraw facility. Flexible repayment schedule.

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    Mozo Experts Choice 2021
    Liberate Variable Home Loan

    70-80% LVR, Owner Occupier, Principal & Interest

    interest rate
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    Initial monthly repayment
    2.29% p.a. variable
    2.23% p.a.

    Fast online application with no fees. Free extra repayments and redraw facility. Min 20% deposit. To reward borrowers for paying down their home loan, Athena will now automatically lower the rate as the loan is paid down. Winner of three Mozo Expert's Choice Awards for 2021.

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    UHomeLoan - Discount Offer

    Owner Occupier, Principal & Interest

    interest rate
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    Initial monthly repayment
    2.34% p.a. variable
    2.34% p.a.

    Enjoy a super low rate. $0 fees to consider. Fast and easy online application. Free redraw and free extra repayments. Flexible payment terms. Min 20% deposit required.

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    Smart Home Loan 80

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.48% p.a. variable
    2.50% p.a.

    A low-rate home loan that could save you thousands, with no ongoing fees plus unlimited extra repayments and free redraws. You'll need to be borrowing $1 million or less and have at least a 20% deposit required.

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    Discount Great Rate Home Loan (Fixed, Owner Occupier, Principal & Interest)

    LVR<80%, over $150k

    interest rate
    comparison rate
    Initial monthly repayment
    1.69% p.a.
    fixed 1 year
    3.49% p.a.

    Get one of the lowest rates on the market with this fixed rate mortgage. Available with just a 10% deposit. Guarantor option available. NSW, QLD and ACT residents only. Mozo Experts Choice Awards - Home Lender Bank of the Year 2020.

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  • placeholder
    Back to Basics Special

    LVR<80%, Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.44% p.a. variable
    2.45% p.a.

    No monthly account keeping fee, no ongoing annual fee and no loan establishment fee on new lending of $150,000 or more.

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^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.

Home loan resources

NT stamp duty FAQs

Got your heart set on a new property but need an estimate of how much you may need to pay for stamp duty in the NT? That’s where our Northern Territory stamp duty calculator can help you out.

Your total stamp duty costs will be made up of three costs:

  • Mortgage Registration Fee: This is a mandatory fee collected by the Northern Territory government which ensures that your home loan is registered and can be cross-checked by buyers in the future in the case of a claim. Currently the Mortgage Registration Fee in the NT is $142.
  • Transfer Fee: This is another mandatory fee you’ll need to pay in order to transfer the name on the deed from the property’s previous owner to your own name. The fee is also currently $142.
  • Stamp Duty on Property: This is the actual stamp duty you’ll need to pay, which will depend on the value of your NT property and whether or not you're eligible for any concessions.

What is stamp duty?

Stamp duty is a tax imposed by all Australian state and territory governments on various transactions, including car registrations and transfers, insurance policies, and property. Stamp duty is used by these governments for the same purposes as other taxes - namely towards funding infrastructure and services.

In the Northern Territory, stamp duty can make up a significant portion of the cost of purchasing a property, so buyers can make it easy for themselves by calculating just how much they’ll need to cover stamp duty and incorporating it into their property saving plan along with the cost of a home loan deposit.

When do I have to pay NT stamp duty?

Many, but not all, buyers in the Northern Territory will need to pay stamp duty when they purchase a property - the general rule being that if you’re not a first home buyer, senior or pensioner you’ll probably need to pay it. Stamp duty in the Northern Territory is based on the unique formula below, but if you’d like to avoid working it out yourself, our calculator is there to help you.

D = (0.0657144 x V²) + 15V

D = the stamp duty ($)

V = the purchase price

Bear in mind that the Northern Territory government works out stamp duty differently to other state and territory governments in Australia, so if you’re purchasing a property in a different state you’ll need to use their own stamp duty formula. Luckily Mozo’s Stamp Duty Calculator also works for other states, so be sure to check out the relevant calculators at these links.

Are there any stamp duty exemptions or concessions in the NT?

The Northern Territory offers a number of concessions and exemptions for the following buyers and situations:

First home buyers

As in other areas of Australia, first home buyers in the Northern Territory may be eligible for significant discounts on their stamp duty. These discounts apply to the purchase of established homes, and will depend on the value of the home itself:

  • Properties below $500,000: For purchases under this amount, first home buyers will be totally exempt from having to pay stamp duty, though they will still need to pay both Mortgage Registration ($142) and Transfer ($142) fees.
  • Properties between $500,001 and $650,000: For purchases in this bracket, first home buyers will get a discount of $23,298.60 off the standard stamp duty.
  • Properties above $650,000: For properties with a value of $650,000.0 and higher, the standard stamp duty fee applies.

It’s also worth noting that, depending on the situation, first home buyers in the Northern Territory have a number of other incentives available to them. These include the First Home Buyers Grant (up to $26,000), the Home Renovation Grant (up to $10,000) and the Household Goods Grant (up to $2,000). For more information and details on these grants, make sure you visit the NT Government’s first home buyer hub.

Seniors and pensioners

Eligible pensioners, seniors and carers in the Northern Territory will also be able to receive a significant stamp duty concession of up to $10,000 on properties valued up to $750,000 and for land valued up to $385,000.

Principal Place of Residence Rebate (PPRR)

Wanting to buy a brand new home in the NT, or a piece of land with the intention of building a new home on it? Well you may be eligible for the Principal Place of Residence Rebate worth up to $7,000 off your stamp duty.

To be eligible you must purchase a home in the Northern Territory that’s never been lived in or, if you’re purchasing a block of land, you must build a new home on it within five years, and occupy it within a year of construction being completed.

How do I pay stamp duty in the NT?

According to the Northern Territory government website, stamp duty is generally payable “within 60 days of entering into the transaction or at settlement, whichever is earlier.”

When you do go to pay for your stamp duty with the Territory Revenue Office (TRO), you’ll be able to choose between making your payment via electronic funds transfer (EFT), cheque or money order in the post, or in person with cash or cheque.

What other home loan costs are there aside from stamp duty?

Apart from stamp duty and government fees, prospective buyers should also be aware of the other, often unexpected, costs that are are associated with taking out a home loan.

Home loans generally come with a number of standard costs such as upfront fees, ongoing service fees and discharge fees, so it’s always worth shopping around among different mortgage providers as some will charge lower fees or even no fees at all.

A good way to this is by comparing the comparison rate on different home loans. Taking into account the headline rate as well as the fees charged for a specific loan, the comparison rate can often provide a clearer picture of what you’ll really be paying for your home loan.

How can I save on my home loan?

In the same way you would compare a range of properties to find the right fit, comparing a range of home loans could be important in order for you to grab the home loan features you want for the right price.

While the difference between home loan rates may seem small, they can certainly add up over time, so finding a home loan that is even 50 basis points cheaper could mean thousands of dollars saved over the life of your loan.

Let’s have a look at an example. Say you were looking at a property in the NT with a value of $600,000. You’ve saved up a 20% deposit to avoid having to pay LMI, so the loan you’re wanting to take out works out at roughly $480,000. If you opted for a provider offering a home loan rate of 3.75%, making principal and interest repayments, the Mozo home loan repayments calculator reveals you would end up paying $260,349 in interest over a 25 year period.

If you instead decided to go for a home loan with an interest rate of 4.25%, you would end up paying $300,103 in interest over the same period - a whopping $39,754 difference.

It just goes to show how much you could save by simply comparing interest rates, so do yourself (and your future bank balance) a favour by heading over to Mozo’s home loan comparison tables to begin your search for a better value home loan today.

Where else can I compare home loan interest rates? 

No matter where you are in Australia, purchasing your first home can be quite an expensive experience. But one thing that doesn't have to cost the world is your home loan. There are a number of ways to save on your home loan, from having an extra repayment feature to an offset account. However one way to guarantee yourself massive savings is by choosing a competitive interest rate. Our Home Loans Interest Rates page can help you compare interest rates from a range of lenders, from big banks to credit unions and even online lenders.