Purchase Costs & Stamp Duty Calculator
The deposit is only part of what you need on the day. This adds transfer (stamp) duty for the state or territory you are buying in — with its first home buyer concession applied where it fits — plus registration, conveyancing and inspection costs, and shows the loan and LVR that result.
What the calculator is doing
- Transfer duty — still called stamp duty by most people — is set by the state or territory the property is in, on that revenue office's published schedule: a base amount for the band the price falls in, plus a rate on every dollar above the band's threshold. Some states index the thresholds each 1 July, which is why the page names the schedule it is using and asks you to confirm the current figure.
- Every state treats first home buyers differently. Most remove duty entirely up to a price cap and phase it back in above that; some cover only new homes or vacant land; one tests eligibility on income rather than price. The calculator applies the rule for the state you select, prints it beside the result, and tells you when no concession applies at the price entered.
- The loan amount is simply price less deposit, and the LVR is that loan as a share of price. Above 80% most lenders require Lenders Mortgage Insurance. Because LMI premiums vary so much between lenders and loan sizes, the calculator flags it rather than guessing a number.
Go further
- First home buyer guide →
- First home loans →
- What it takes to buy on the North Shore →
- Borrowing power calculator →
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Common Questions
Is stamp duty the same as transfer duty?
Yes. Most revenue offices now call it transfer duty, or conveyance duty in the ACT; most people still say stamp duty. It is paid by the buyer and is usually the largest cost after the deposit itself.
Can stamp duty be added to the loan?
Not directly — duty is paid at settlement from your own funds. In practice people sometimes borrow a little more against the property to cover it, which raises the LVR and may bring LMI into play.
Which state's rules apply?
The state or territory the property is in, not where you live. Every one has its own duty rates and its own first home buyer concessions, and they differ materially, so select the state of the property. Foreign-buyer surcharges, which several states add, are not included.
Does this include Lenders Mortgage Insurance?
No, deliberately. LMI depends on the lender, the loan size and the LVR, and quotes for the same loan can differ by thousands. The calculator flags when it is likely to apply so you know to ask.
General information and indicative estimates only. These calculators do not take your objectives, financial situation or needs into account. They are not credit assistance, credit advice or financial advice, and they are not an offer of credit or an approval.
Any interest rate, buffer, fee or percentage shown is an assumption you can change. It is not a rate or fee offered by Sabea or by any lender. Lenders assess income, expenses and liabilities using their own methods and policies, which differ between lenders and change over time, so an actual borrowing capacity, repayment or cost will differ from these figures.
Tax and transfer duty figures are estimates based on published schedules that are revised each year. Confirm current amounts with the Australian Taxation Office and your state or territory revenue office, or with your accountant and conveyancer, before relying on them.
Nothing you enter is stored or sent anywhere; the calculations run entirely in your browser. Sabea Financial, Credit Representative 539 662, ABN 86 653 823 253, is authorised under Australian Credit Licence 391237.