Stamp duty can add a big chunk to the cost of buying a property. Some states charge it on your mortgage as well on the value of the property you buy.
We help you figure our exactly what you have to pay
Important to remember
Applications for finance are subject credit approval. Full terms and conditions will be included in any loan offer. Fees and charges are payable. Our calculators and tools provide estimates for your general information only and are based on the accuracy of information input. The estimates are not a quoate or a loan offer.
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Stamp duty on property
Mortgage registration fee
NB: First Home Owners Concessions is now only available for new home purchases. The above calculations are for new home purchases.
NB: NB: View Extra Information to see the stamp duty with the Principal Place of Residence Rebate. PPRR applies to new homes only.
First Home Buyers Assistance scheme. First home buyers will not have to pay duty for both new and existing homes for properties up to $650,000. The duty will be reduced for amounts between $650,000 and $800,000. There is no change to the cap for vacant land. More information here
The Queensland First Home Owners' Grant is a state government initiative to help first home owners to get their new first home sooner.
Depending on the date of your contract, you'll get $15,000 or $20,000 towards buying or building your new house, unit or townhouse (valued at less than $750,000).
The grant is paid per new home and not to each of the applicants for the same home.
All the details on Financial help and incentives here.
The First Home Owner Grant (FHOG) applies to the purchase or construction of a new residential property, including a house, flat, unit, townhouse or apartment that meets local planning standards anywhere in South Australia. FHOG ceased for established homes from 1 July 2014.
The residential property must be occupied as each applicants' principal place of residence for a continuous period of at least six months commencing within 12 months of date of settlement for contracts to purchase, or the date construction is completed for owner builders or contracts to build.
The Tasmanian Government has extended the $20 000 First Home Owner Grant for one additional year, from 1 July 2019 to 30 June 2020.
The First Home Owner Grant is a one-off payment for eligible applicants who buy or build a new home, where the transaction meets certain eligibility criteria.
The extension will mean that the increased $20 000 payment will be available for eligible transactions entered in to up until and including 30 June 2020.
Foreign investor duty surcharge Introduces a Foreign Investor Duty Surcharge from 1 July 2018 of an additional 3 per cent on the dutiable value for all transactions of residential property by foreign persons. An additional 1.5 per cent also applies on the dutiable value of a property for all transactions of primary production property by foreign persons.
First Home Owner Grant
If you are buying or building a new home valued up to $750,000, you may be eligible for a First Home Owner Grant (FHOG). If you are eligible for the FHOG and the home you are buying is in regional Victoria, you will receive $20,000. If the home is not in regional Victoria, the grant is $10,000. The home must be less than five years old to be eligible for the FHOG.
Exemptions and Concessions
First-home buyer duty exemption or concession - a one-off duty exemption for a PPR valued up to $600,000, or a concession for a PPR with a dutiable value from $600,001 to $750,000. This duty exemption/concession is separate and distinct from the First Home Owner Grant. The grant is a payment made to you, whereas the first home buyer duty exemption/concession is a reduction in the amount of land transfer duty you pay.
Off-the-plan concession - a duty concession for an off-the-plan property, either as a land and building package, or as a refurbished lot.
Pensioner concession - a one-off duty exemption or concession for a new or established home valued up to $750,000.
Principal place of residence (PPR) concession - a duty concession for when a property you buy, valued up to $550,000, is intended as your primary home.
First-home owner with family exemption/concession - a one-off duty exemption or concession for properties valued at $200,000 or less.
Young farmer's exemption/concession - a one-off duty exemption/concession for young farmers buying their first farmland property.
The Grant Scheme The first home owner grant is a one-off payment to encourage and assist first home buyers to buy or build a residential property for use as their principal place of residence. For more information refer to the First Home Owner Grant Fact Sheet.
First home owners may qualify for the grant and/or the first home owner rate of duty if they are either purchasing an established home or if they are building or purchasing a new home. The grant has:
By using this mortgage calculator application you accept the terms and conditions. Applications made through your Aussie Mortgage Broker are subject to approval. Conditions, fees and charges will apply.
The information provided by this home loan repayment calculator should be treated as a guide only, and not be relied on as true indication of your home loan repayments, or a quote or indication of pre-qualification for any home loan product.
The calculator default rate is based on an owner occupier loan with a loan to valuation ratio of less than or equal to 80% and borrowings under $500,000.
Important to remember
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