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Stamp duty calculator

Stamp duty can be one of those unexpected costs of a buying property in Australia. Here, we'll help you better understand stamp duty and how it works. Our stamp duty calculator can do the numbers for you. Now that's handy!

What is stamp duty?

Stamp duty or land transfer duty is the tax that you pay when buying a property. In some states or territories, it may be referred to as 'conveyancing duty', 'transfer of land duty', 'property transfer duty' or 'transfer duty'.

Generally, when buying land in any state or territory in Australia, which may include buildings (such as a family home on a suburban block), you will need to pay stamp duty to the relevant state or territory government. The amount of stamp duty depends on which state or territory the property is in and the property value.

Stamp duty calculator

Start crunching the numbers in our stamp duty calculator to estimate how much your upfront costs could be. To make this easier, we've already factored in the stamp duty rules that may apply to your location. 

Stamp duty exemptions

In some states and territories, stamp duty exemptions and concessions may be available for eligible first home buyers, seniors and pensioners. There might also be concessions based on the value of the property purchased or the buyer’s annual income. Each state and territory has its own rules for how to calculate stamp duty.

First homes

In some cases, there are exemptions and concessions for stamp duty on your first home. However, each state and territory has its own rules and property purchase price thresholds may apply.

Buying off the plan

In some states and territories, you may be able to save on off the plan stamp duty because you’re buying a new property before it’s actually been constructed. This can vary depending on which state or territory the property is in, whether you’re purchasing a home or an investment property, and your particular contract. 

Land

Yes, there is stamp duty on land. 

When you’re building a new house, you pay stamp duty based on the value of the land you buy. You generally don’t have to pay stamp duty on the house you then build, although you should check with your solicitor or conveyancer as to whether this is the case.

Check with your solicitor or conveyancer about your stamp duty and whether you’re eligible for a stamp duty exemption or concession.

How stamp duty is calculated

Stamp duty is generally based on the market value or purchase price of the property, whichever is greater. Generally, the cheaper the property, the less stamp duty you’ll pay but there are other variables that could impact your stamp duty bill.

The exact amount payable depends on a number of factors, including the location of the property and whether you're eligible for any concessions or exemptions. Depending on where you buy and the value of the property, stamp duty could add a significant sum to the cost of the property.

See the stamp duty rules for your state or territory 

 

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Your stamp duty questions answered

Each state and territory has its own rules for how to calculate stamp duty – and some are more complex than others. 

To get the latest information for your state or territory, choose your location:

You generally have to pay stamp duty upfront on settlement of a property, although payment requirements differ from state to state.

Usually, you can pay the stamp duty by direct deposit, bank transfer, cheque or credit card. Often, the conveyancer or lender will organise it on your behalf, however you will need to check this.

Yes, there is stamp duty on land. 

When you buy an existing house, you pay stamp duty based on the value of both the land and the house. 

When you’re building a new house, you pay stamp duty based on the value of the land you buy. You don’t have to pay stamp duty on the house you then build, which could be a substantial saving.

Our stamp duty calculator could help you estimate your stamp duty costs based on the value of the property. 

 

In some states and territories, you may be able to save on stamp duty when you buy off the plan because you’re buying a new property before it’s actually been constructed. 

This can vary depending on which state or territory the property is in, whether you’re purchasing a home or an investment property, and your particular contract. 

Check with your conveyancer or solicitor about the stamp duty owed, whether any concessions are available, and when it must be paid.

  

Generally, stamp duty applies whether you’re buying a primary home, a holiday home or an investment property

Each state and territory has its own rules for how to calculate stamp duty, so to get an idea of what you’ll need to pay, you should find out the rules that apply in your state or territory.

Use our stamp duty calculator to help you estimate the stamp duty costs based on the value of the property. 

 

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We've included the First Home Buyer or other property concessions based on the information you have provided regarding your property purchase and on the assumption that you will be eligible for the concession. For information regarding the concessions which may be available in your state and details of the eligibility criteria, please refer to the relevant government website.

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The maximum acceptable LVR before Lenders Mortgage Insurance is required depends on the type and location of the purchased property. The maximum LVR before Lenders Mortgage Insurance that is generally required is usually 80%. For some property types, LMI might be required when LVR is less than 80%.

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Examples are a guide only and subject to change. Equivalent value based on a sample of the Qantas Frequent Flyer Rewards that could be obtained by redeeming through the Qantas Frequent Flyer program and will vary depending on how and when points are redeemed. Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. The Qantas Points, taxes, fees and carrier charges stated are accurate as at 5 May 2022 but may vary at the time of booking. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. Visit Classic Flight Rewards for more information.

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The rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount for loans with a Loan to Value Ratio of 70% or less. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.

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ANZ may provide pre-approval (also known as approval in principle or conditional approval) to eligible customers who apply for an ANZ home loan and complete an application form and satisfy any other applicable requirements. Pre-approval is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ. Australian Credit Licence Number 234527.

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ANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.

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A property price range estimate is an estimate only. It is based on certain available information and is not a valuation of a property or guarantee of its market value or future sale price. Price ranges may change daily and the actual sale price (if the property is sold) may be different.

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