Stamp Duty Calculator

When you go to buy real estate in Australia, remember that you’ll need to factor the price of government charges like stamp duty into the cost of a property. These can change depending on what state you’re in and what house you’re buying, so check out our stamp duty calculator for an estimate of what it might cost to make your dream home a reality.

Calculations valid for 2021-2022 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

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

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    Initial monthly repayment
    1.85% p.a.variable for 24 months and then 2.25% p.a. variable
    2.21% p.a.

    New super low introductory rate home loan for two years. Min 20% deposit. No monthly or ongoing fees. Fast settlement times. Mozo award-winning online lender. Friendly, local Australian based team.

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  • Hot DealFor a chance to win $100K towards your home loan, apply with Athena before Oct 31 & approved by Dec 15 (Please read the full T&C's)
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    Mozo Experts Choice 2021
    Celebrate Variable Home Loan

    <60% LVR, Owner Occupier, Principal & Interest

    interest rate
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    Initial monthly repayment
    1.99% p.a. variable
    1.99% p.a.

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

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    Variable Home Loan

    Owner Occupier, Principal & Interest

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    Initial monthly repayment
    1.99% p.a. variable
    1.99% p.a.

    Refinance only. Super-fast digital application process. Zero upfront fees. No on-going service fees. Free 100% offset sub account. Minimum 25% deposit required.

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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
    2.32% p.a.

    No upfront or ongoing fees. Free extra repayments and redraw facility. Option to earn Qantas points. Min 30% deposit required. Borrow up to $750,000.

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    Fixed Rate Home Loan

    Owner Occupier, Principal & Interest, LVR <80%

    interest rate
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    Initial monthly repayment
    2.09% p.a.
    fixed 3 years
    2.87% p.a.

    Ability to split your home loan between Fixed and Variable. Dedicated Relationship Manager. Min 20% deposit. Refinancers borrowing $250,000 or more could receive $3,288 cashback (T&Cs, eligibility and lending criteria apply).

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    Mozo Experts Choice 2021
    Variable Home Loan Special

    Owner Occupier, Principal & Interest, LVR <70%

    interest rate
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    Initial monthly repayment
    1.99% p.a. variable
    2.02% p.a.

    Special rate applies to home loan applications submitted by 31 October 2021. Unlimited additional repayments, free redraw, 100% offset account. 30% deposit required. Simple online application. Low Cost Home Loan winner in the Mozo Expert's Choice Awards for 2021.

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    Budget Home Loan

    LVR <90%, Owner Occupier, Principal & Interest

    interest rate
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    Initial monthly repayment
    2.43% p.a. variable
    2.49% p.a.

    Competitve low interest rate for owner-occupiers with at least a 20% deposit, and no upfront fees. Free extra repayments and redraw. Zero ongoing fees.

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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.

    Lock in a low fixed rate or choose to split your loan between fixed and variable. Insurance discounts and no fee credit card or zero fee personal loan available. $2,000 cashback offer for investor & owner occupied home loans over $250k with LVR ≤80% when refinancing to Newcastle Permanent. Limited time offer extended, T&Cs apply.

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    Discount Variable Home Loan

    Owner Occupier, LVR<70%, over $700,000

    interest rate
    comparison rate
    Initial monthly repayment
    2.39% p.a. variable
    2.44% p.a.

    No monthly administration fees. Ability to make extra repayments and redraws. A great low rate. No ongoing fees. Experience the difference this established bank has to offer.

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  • Hot Deal$590 Establishment Fee waived for eligible Prime loans submitted before 30 November.
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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.

    Competitive low variable rates for borrowers with 30% deposit. Flexible home loan with no ongoing fees. Extra repayments and redraw available. Get a dedicated specialist for the loan application process.

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    Equity Plus

    Owner Occupier, Principal & Interest, LVR <60%

    interest rate
    comparison rate
    Initial monthly repayment
    1.87% p.a. variable
    1.90% p.a.

    Low rate variable home loan with optional offset. Free online redraw. No valuation fee. Purchase, refinance or equity release purposes allowed. Min 40% deposit.

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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 fixed rates for owner occupiers. No monthly account keeping or loan establishment fees. 20% deposit required. Get $3K cash when you refinance to a Suncorp Bank home loan of $750K+ with LVR <= 90%. Apply by 30/11/21, settle by 28/02/22. (T&Cs apply).

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    Economy Variable Home Loan

    Owner Occupier, Principal & Interest, <70% LVR, Debt to Income ratio <6

    interest rate
    comparison rate
    Initial monthly repayment
    1.98% p.a. variable
    2.15% p.a.

    An ongoing low variable interest rate with free redraw, flexible repayment options and one free valuation. Discounted Economy variable rate available for owner occupier lending with max LVR of 70%.

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    Green Home Loan

    Owner Occupier

    interest rate
    comparison rate
    Initial monthly repayment
    2.08% p.a. variable
    2.36% p.a.

    Great low rate on investment loans when you package with your owner-occupied loan.

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    Mozo Experts Choice 2021
    Evaporate Variable Home Loan

    60-70% LVR, Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.09% p.a. variable
    2.02% p.a.

    Fast online application with no fees. Free extra repayments and redraw facility. Min 20% deposit. Crowned Best New Home Loan for 2020 by the Mozo Experts.^

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    Mozo Experts Choice 2021
    Discount Fixed Rate

    Owner Occupier, Principal & Interest, <80% LVR

    interest rate
    comparison rate
    Initial monthly repayment
    1.99% p.a.
    fixed 2 years
    3.07% p.a.

    Lock in a competitive rate for 2 years. Only 20% deposit required. Flexible repayment options and make up to $5,000 in additional repayments annually. Refinance to BOQ by 31 October 2021 and get $3,000 cashback (T&Cs apply).

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    Basic Home Loan

    Owner Occupier, LVR<60%, Principal & Interest

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

    Competitive low variable rate. No application or account management fees. Flexibility to split your loan and set different repayment types. Fee free withdrawals of your savings.

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    Mozo Experts Choice 2021
    Fixed Rate Home Loan

    Owner Occupier, Principal & Interest, LVR<80%

    interest rate
    comparison rate
    Initial monthly repayment
    1.89% p.a.
    fixed 2 years
    2.64% p.a.

    Competitive fixed rates across 1 to 5 year terms. No application fee or annual fee. Free extra repayments (up to $10,000 per year). Winner of Australia's Best Large Mutual Bank 2021.

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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
    2.19% p.a. variable
    2.08% p.a.

    Fast online application with no fees. Free extra repayments and redraw facility. Min 20% deposit. Athena automatically lowers the rate as the loan is paid down. Winner of three Mozo Expert's Choice Awards for 2021.

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    Fixed Home Loan

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    1.97% p.a.
    fixed 2 years
    2.88% p.a.

    The IMB Fixed Rate Home Loan gives you peace of mind with the security of fixed loan repayments. You can also pay up to 12 months repayments in advance without penalty.

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    Well Balanced Fixed

    Owner Occupier, Principal & Interest, LVR <80%

    interest rate
    comparison rate
    Initial monthly repayment
    1.84% p.a.
    fixed 1 year
    2.01% p.a.

    Super low fixed rate and only 20% deposit required. Optional 100% offset account. Free extra repayments and redraw facility. Flexible repayment schedule.

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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

Stamp Duty FAQs

What is stamp duty?

Stamp duty, or often referred to as transfer duty, is a government charge you will have to pay once you buy a new home or investment property. Typically, stamp duty it is expected to be paid within the first 30 days to three months of settlement on your new property.

How do I calculate stamp duty?

Stamp duty is calculated by the market value of the property and the price paid for the property. Taking into account of your state’s regulations and the details of your loan, our calculator can give you an accurate estimate of the amount you could be expected to pay.

If you’re a first home buyer, you may be eligible for certain stamp duty concessions or exemptions, thanks to the rollout of State Government’s First Homebuyer schemes. But you won’t need to worry about calculating these amounts, our calculator will automatically apply any concessions or exemption you are eligible for to your total stamp duty amount or you could check out our first home buyer stamp duty calculator which has been designed especially for you.

How can I calculate stamp duty in my state?

Are there any other costs I should know about?

Yes, once you start using our stamp duty calculator, you’ll notice there is also a mortgage registration and transfer fee you’ll need to pay. A mortgage registration fee is the charge you pay to set up your home loan and a transfer fee is the cost to move over the title of the property.

But there are a few costs that you’ll also need to factor into your budget before you walk through the front door of your new home. For instance, building and pest inspection fees should be considered along with conveyancing fees, which is the cost a conveyancer will charge to guide you through the process of transferring the property’s title from the previous owner to you. And before you exchange contracts, you’re likely to need a home insurance policy ready to go, because this is when you become legally obliged to purchase the property and it could also be a requirement in your mortgage contract.

Where can I get a deal on my home loan?

If you’re after the best home loan deal around, you’ll need our home loan comparison tool. It currently compares over 500 home loans from 80 lenders and covers a wide range of lenders in the market. Simply plug in your details and our comparison tool will pull up some great home loan options that could be right for you.

But if you’d a more personalised home loan comparison, plug your details into our home loan search tool!

Where can I compare home loan interest rates? 

Choosing to buy a home in Australia can be a rewarding, yet costly process. So if you’re keen to save on costs wherever you can, shopping around on interest rates can help. These days, there are stacks of different lenders to choose from, like big banks, credit unions and even online lenders. Our Home Loans Interest Rates page helps you compare interest rates offers from a range of lenders to potentially find the right option for you.

Got any tips to save on my home loan?

Yes we do! Although your home may be the most important asset you own, it doesn’t mean you can’t save a little cash along the way. Here a few ways to help save on your home loan:

  • Use an offset account: Having an offset account linked to your home loan can help you cut down the amount of interest you pay, as the account balance will offset against the home loan principal. So, say you had a loan for $800,000 and a balance of $50,000 in an 100% offset account, you would only pay interest on the remaining $750,000.
  • Utilise the extra repayments facility: This is another feature certain loans may have and can also reduce the amount of interest you’ll pay. And if you can afford to make extra repayments to your loan, it’s a good idea to find a loan that doesn’t charge a hefty fee to do this.
  • Be mindful of fees: It is possible to find a loan that keeps fees to a minimum. The types of fees to keep an eye out for include application, annual or monthly service fees.
  • Negotiate: Sometimes you may be able to get a cheaper loan just by asking for it. But it’s always best to go in prepared, so check out these 10 haggling tips that could help you get a better deal on your home loan.