Stamp Duty Calculator Western Australia

Whether you’re on the hunt for an apartment on the fringe of Perth’s CBD or a home in the beachtown of Broome, our Western Australian stamp duty calculator makes crunching the numbers super easy. Just plug a few details into the calculator and we’ll do the rest so that you know how much to set aside for stamp duty.

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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    Initial monthly repayment
    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 Award for 2021.

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    UHomeLoan

    Owner Occupier, Principal & Interest

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    Initial monthly repayment
    1.75% p.a.
    fixed 3 years
    2.22% 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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    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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    Mozo Experts Choice 2021
    Celebrate Variable Home Loan

    <60% LVR, Owner Occupier, Principal & Interest

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    Initial monthly repayment
    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 Award for 2021.

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    Fixed Home Loan

    Owner Occupier, Principal & Interest

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    Initial monthly repayment
    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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    Mozo Experts Choice 2021
    Well Balanced

    Owner Occupier, Principal & Interest, LVR <80%

    interest rate
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    Initial monthly repayment
    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 Award for 2021.

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    Special Fixed Rate Home Loan

    Owner Occupier, Principal & Interest

    interest rate
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    Initial monthly repayment
    1.89% p.a.
    fixed 2 years
    3.67% 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

    interest rate
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    Initial monthly repayment
    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 Award for 2021.

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    Star Gold Home Loan

    Owner Occupier, Principal & Interest, Refinance Only, <60% LVR

    interest rate
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    Initial monthly repayment
    1.79% p.a. variable
    1.84% p.a.

    An exceptional low rate for owner occupiers with 40% or more equity in their home. No ongoing fees. Unlimited additional repayments with free online redraws. loan size $150k to $750k, no construction loans. Metro Areas Only.

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    Fixed Rate Home Loan

    LVR <80%, Owner Occupier, Principal & Interest

    interest rate
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    Initial monthly repayment
    1.89% p.a.
    fixed 3 years
    3.03% p.a.

    A People’s Choice 3 year fixed home loan allows you to enjoy a simple, non-complicated home loan with a competitive rate. There are no restrictions to the number of loans you can combine on a package. Lock in a competitive fixed interest rate with People’s Choice.

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

    LVR<80%, over $150k

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    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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    Low Rate Home Loan

    Owner Occupier, Principal & Interest, <60% LVR

    interest rate
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    Initial monthly repayment
    2.14% p.a. variable
    2.16% p.a.

    Get smart, flexible and cost-effective rates from homeloans.com.au. Complimentary 100% offset account and free online redraw. Unlimited additional repayments. Zero application or annual fees. Fast online application process.

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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
    comparison rate
    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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    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.

    Go to site
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    Basic Home Loan

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

    interest rate
    comparison rate
    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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    Neat Home Loan

    Owner Occupier, Principal & Interest, LVR <60%

    interest rate
    comparison rate
    Initial monthly repayment
    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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    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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    Mozo Experts Choice 2021
    Liberate Variable Home Loan

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

    interest rate
    comparison rate
    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 Award for 2021.

    Go to site
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  • Hot DealAvailable to self-employed borrowers
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    Prime Home Loan

    Owner Occupier, Principal & Interest, LVR <70%

    interest rate
    comparison rate
    Initial monthly repayment
    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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    UHomeLoan - Discount Offer

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    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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^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

FAQs about stamp duty in WA

Stamp duty is a one-time government fee that all homeowners and investors need to pay when they purchase property or land in WA. How much you pay depends on where you’re buying your next property, so if you’re buying in a state or territory other than WA you can access our other state-based stamp duty calculators here:

What are the stamp duty rates in Western Australia?

Depending on how much you paid for your new property, you’ll fall into a certain rate tier, which determines your stamp duty fee. The general rule of thumb is; the more expensive your new home or investment in Western Australia, the more expensive your stamp duty fee will be. Our calculator makes it easy to find out how much you'll have to pay based on your property price.

What makes up a stamp duty bill in Western Australia?

While stamp duty rates will make up the bulk of the overall bill you pay to the WA state government, they aren’t the only expense. You’ll also need to pay a flat mortgage registration fee (worth $169 in Western Australia) if you’re taking out a home loan to pay for your new property.

And there is a transfer fee to pay, which is calculated as a percentage of the overall property value.

These three government charges - your stamp duty rates, mortgage registration fee and transfer fee - make up your stamp duty bill and are exactly what our WA stamp duty calculator takes into account when it crunches the numbers.

I’m a first home buyer. Do I have to pay stamp duty in Western Australia?

If it’s your first time entering the property market, the chances are you can save on your stamp duty fee. For example, if you’re a first home buyer in Western Australia you won’t pay a cent in stamp duty on homes - whether they’re new or existing building - valued under $430,000. If you’re spending more than that, you’ll pay at a concessionary rate of $19.19 per $100 for properties up to the value of $530,000.

To help get your head around what this means and might look like in the real world, here’s a home buying scenario to consider.

HOME BUYING SCENARIO

Sarah, having recently moved to Western Australia for work, is on the hunt for an apartment close to Perth’s CBD. After months of trawling the online real estate listings and heading to a tonne of open houses, she has found a winner with a modern two-bedroom apartment in East Perth that’s on the market for $350,000 - an ideal first home.

Using Mozo’s stamp duty calculator Sarah finds out that, as a first home buyer in Western Australia who is buying a property worth less than $430,000, she qualifies for a stamp duty exemption. This means she only needs to pay the $169 mortgage registration fee and a $259 transfer fee which comes out to a total stamp duty charge of $427.

If you’re buying vacant land as a first home buyer you’ll also be able to claim a total exemption so long as it’s worth no more than $300,000. If the property is worth more than that you’ll pay a concessional stamp duty rate of of $13.01 for every $100 over that, up to the value of $400,000.

Are there any first home buyer grants in WA?

Stamp duty concessions aren’t the only way to save as a Western Australian first home buyer, though. The state government also has a generous $10,000 up for grabs in the form of a first home buyer grant, depending on how much you’re spending and where your new home is located.

If you’re in the market for a property in Perth’s metropolitan areas (south of the 26th parallel) and you’re spending less than $750,000, you’ll eligible for the grant. And if you’re building or buying in more regional areas (north of the 26th parallel), you’ll be able to spend as much as $1,000,000 on your first home and still have access to the $10,000 first home buyers grant.

Who do I pay stamp duty to in WA?

Stamp duty is a state government tax so your precious dollars and cents will be paid towards the Government of Western Australia’s Department of Finance.

Can I pay for stamp duty with my credit card?

Yes, as long as your credit limit is high enough to cover the cost. When it comes to making the actual payment, you’ll have a variety of options to pay the Office of State Revenue like BPay, credit card, over the phone or in-person with cash or cheque.

Do I have to pay stamp duty upfront?

Yes, the Western Australian government will need your stamp duty money pretty quickly and there isn’t an option to pay in instalments. The good news is that a bunch of lenders will give you the opportunity to roll the amount into your home loan.

How long do I have to pay for stamp duty?

Once you purchase your new property and lodge your transfer of property documents you can expect a formal notice in the mail that outlines the amount, specific costs and due date. Generally speaking, the Western Australian government will give you about a month to pay your bill.

What are some of the other costs for homeowners in Western Australia?

Stamp duty might be a pretty big expense when it comes to budgeting for home ownership, but there are also a bunch of other notable fees and payments to be aware of before you take the property plunge. Check out some of the other big expenses worth budgeting for, below or head over to our home buying guides section for a host of more helpful information, tips and tricks.

Deposit

The recommended deposit for a property is 20% but the more you have saved, the less you’ll have to pay in interest over the life of your home loan. The size of your deposit also affects your LVR (loan-to-value ratio) and if this falls below the 80% threshold, be prepared to stump up additional charges on your mortgage in the form of Lenders Mortgage Insurance.

Conveyancer fees

When you settle your new home or investment, a solicitor or lawyer will charge you to look over the papers and this could cost you as much as $2000.

Pest and building inspection fees

Making sure your new home is as healthy on the inside as it is beautiful on the outside is key in the home buying process, so it’s definitely worth organising pest and building inspections.

Your monthly mortgage repayments

Taking out a home loan to land your new property in WA? You’ll have weekly, fortnightly or monthly home loan repayments to start paying really soon so head over to Mozo’s mortgage repayments calculator to get an idea of what these could look like and get an idea of what your home loan interest rate could look like by surveying a few of the most popular options on the market.

Home and contents insurance

If you do have a mortgage, your home loan lender will insist you take out a cosy home insurance policy, but if you’re after something even more comprehensive you might prefer a home and contents insurance policy. Either way, this is another expense you’ll have to incorporate into your new monthly budget now that you own a property.

Landlords insurance

If you are dipping into the WA property market as an investor you’ll want to have landlords insurance sorted so that you’re covered for any damage that a tenant might cause.

How can I save when buying my first home? 

Whether you’re picking up your dream home or adding to your investment portfolio, it’s no secret that purchase property can be expensive. And while you may have to pay for stamp duty, it is possible to save in other areas, like on your home loan interest rate. Our Home Loans Interest Rates page can help you compare a range of interest rates from different lenders as well as display your potential repayments for each offer.