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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    Smart Booster Home Loan

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

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    Initial monthly repayment
    2.10% p.a.variable for 24 months and then 2.50% p.a. variable
    2.46% 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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    Neat Home Loan

    Owner Occupier, Principal & Interest, LVR <60%

    interest rate
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    Initial monthly repayment
    1.89% p.a. variable
    1.90% p.a.

    Competitive variable rate. Borrowers choose their repayment schedule (weekly, fortnightly or monthly) Make extra repayments. Redraw facility available. Simple online application process. 40% deposit required.

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    Celebrate Variable Home Loan

    <60% LVR, Owner Occupier, Principal & Interest

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

    Rates have moved in line with RBA. Fast and efficient online application. Automatic discounts as loan is paid down. Free extra repayments and redraw facility. Zero fees. Min 40% deposit required.

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    Basic Home Loan

    Owner Occupier, LVR<60%, Principal & Interest

    interest rate
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    Initial monthly repayment
    2.39% p.a. variable
    2.39% 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 2022
    Variable Home Loan

    Owner Occupier, Principal & Interest

    interest rate
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    Initial monthly repayment
    2.24% p.a. variable
    2.24% p.a.

    Purchase and Refinance. No upfront or ongoing fees. Fast digital application. 100% offset sub account with no account or redraw fees. Comes with a Visa debit card, mobile App, and digital wallet. 20% deposit or equity required. Mozo Experts Choice winner for Best New Home Loan and Low Cost Home Loan 2022. 18 years and over.

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    Mozo Experts Choice 2022
    Variable Rate Home Loan

    Owner Occupier, Principal & Interest, LVR <80%

    interest rate
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    Initial monthly repayment
    2.09% p.a. variable
    1.99% p.a.

    $5000 refinance cashback. Owner-occupier refinancers only living in NSW/VIC/SA metro and inner regional areas. Receive up to an additional 0.15% off your rate as you pay off the loan. Receive bonus payments up to $2,500. T&Cs apply.

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    Momentum Home Loan

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

    interest rate
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    Initial monthly repayment
    2.24% p.a. variable
    2.25% p.a.

    A great option for refinancers looking for an alternative, the G &C Mutual Bank’s Momentum Home Loan offers a competitively low rate for a fixed period. It features a 100% offset account in addition to unlimited extra repayments.

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    Discounted Variable Home Loan

    Owner Occupier, Principal & Interest

    interest rate
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    Initial monthly repayment
    2.94% p.a. variable
    3.35% p.a.

    Enjoy a great low rate with no ongoing fees. Ability to split your loan between fixed and variable. 100% offset account. Refinance and get up to $3,000 cashback. LVR ≤90%. $2,000 cashback for loans ≥ $250k, plus bonus $1,000 for loans ≥ $500k. Limited time offer extended, T&Cs apply.

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    Back to Basics Special

    LVR<70%, Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.19% p.a. variable
    2.20% 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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    Variable Home Loan Special

    Owner Occupier, Principal & Interest, LVR <80%

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

    Yard’s low-rate variable special home loan is packed with all features – unlimited additional repayments, free redraw, optional 100% offset account. Enjoy a simple online application. Special rate applies to home loan applications submitted by 31st May 2022.

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    Offset Home Loan

    Owner Occupier, LVR<60%, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.39% p.a. variable
    2.67% p.a.

    Flexible loan structure. Ability to open up to 10 offset accounts per loan account. Includes a Debit Mastercard and transaction account for everyday transactions. All ATM fees in Australia are instantly refunded.

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    Basic Home Loan

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

    interest rate
    comparison rate
    Initial monthly repayment
    4.49% p.a.
    fixed 2 years
    2.83% 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 2022
    No Frills Home Loan

    Owner Occupier, Principal & Interest, LVR <70%

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

    Earn 200,000 bonus Qantas Points with the Qudos Bank Qantas Points Home Loan when you apply between 01/04/22-30/06/22 and settle by 30/09/22. Be rewarded year after year with Qantas Points each month for the life of your loan. Save with $0 bank fees for established homes. Fee-free redraw. Free unlimited extra repayments. Multiple offset accounts available.

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    Discounted Home Value Loan

    Owner Occupier, Principal & Interest, LVR <70%

    interest rate
    comparison rate
    Initial monthly repayment
    2.27% p.a. variable
    2.28% p.a.

    Enjoy competitive rates for owner occupiers. Enjoy unlimited free extra repayments. Flexibility to redraw additional payments for free. No ongoing monthly service fee. Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 May 2022 and settle by 31 July 2022.

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    Choice Home Loan

    Owner Occupier, Principal & Interest and Interest Only

    interest rate
    comparison rate
    Initial monthly repayment
    2.74% p.a. variable
    2.75% p.a.

    Competitive variable interest rate. No establishment or ongoing monthly fees to pay. Optional offset account available for 0.10%. Unlimited redraws. Extra repayments allowed. No minimum loan amount.

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    Own Home Loan

    Owner Occupier, Principal & Interest, LVR <60%

    interest rate
    comparison rate
    Initial monthly repayment
    2.14% p.a. variable
    2.43% p.a.

    Competitive variable rates. Free extra repayments and redraws. No Lender’s Mortgage Insurance. Multiple offset accounts available. Fast digital application. 40% deposit required.

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    Economy Variable Home Loan

    Owner Occupier, Principal & Interest, <70% LVR, $150,000+

    interest rate
    comparison rate
    Initial monthly repayment
    2.38% p.a. variable
    2.55% 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%. Apply by 30 June 2022, settle by 30 September 2022, and receive $3,000 cashback (T&Cs apply).

    Details
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    Smart Booster Home Loan

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

    interest rate
    comparison rate
    Initial monthly repayment
    2.24% p.a.variable for 12 months and then 2.73% p.a. variable
    2.72% p.a.

    A super low introductory rate home loan with no monthly or ongoing fees. loans.com.au has some of the fastest settlement times on the market. They can meet 30-day settlement timeline so you can start saving thousands, as soon as possible! Mozo award-winning online lender, friendly and local Australian based team.

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    Evaporate Variable Home Loan

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

    interest rate
    comparison rate
    Initial monthly repayment
    2.19% p.a. variable
    2.16% p.a.

    Rates have moved in line with RBA. Fast online application with no fees. Free extra repayments and redraw facility. Min 20% deposit.

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    Investor Bundle Variable Home Loan

    Investment, Principal & Interest, LVR <80%

    interest rate
    comparison rate
    Initial monthly repayment
    2.15% p.a. variable
    2.18% p.a.

    Yard’s Investor Bundle home loan is packed with all features – unlimited additional repayments, free redraw, optional 100% offset account. Enjoy a simple online application. Special investor rate applies to combined home loan and investor bundles only (conditions apply).

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    Discounted Home Value Loan

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

    interest rate
    comparison rate
    Initial monthly repayment
    2.37% p.a. variable
    2.38% p.a.

    Enjoy competitive rates for owner occupiers. Enjoy unlimited free extra repayments. Flexibility to redraw additional payments for free. No ongoing monthly service fee. Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 May 2022 and settle by 31 July 2022.

    Go to site
    Details
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    Celebrate Variable Home Loan

    <60% LVR, Investment, Principal & Interest

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

    Rates have moved in line with RBA. Enjoy zero fees and a speedy online application process. Free extra repayments and redraw facility. Flexible loan repayments. Minimum 20% deposit required.

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*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.