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 2020-2021 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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  • placeholder
    Mozo Experts Choice 2021
    Smart Booster Home Loan

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

    interest rate
    comparison rate
    Initial monthly repayment
    1.99% p.a.variable for 12 months and then 2.48% p.a. variable
    2.47% p.a.

    A super low introductory rate home loan with no monthly or ongoing fees. Unlimited free redraws and unlimited additional repayments to help you build your equity and own your home sooner. Multiple loan splits available. (Rates revert after introductory period ends). 20% minimum deposit required. Winner of two Mozo Expert's Choice Awards for 2021.

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    Details
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    Fixed Rate Loan with Orange Advantage

    Owner Occupiers, Principal & Interest, LVR <80%

    interest rate
    comparison rate
    Initial monthly repayment
    2.04% p.a.
    fixed 3 years
    3.60% p.a.

    Know exactly what your repayments will be, and you can fix your rate for up to 5 years. No monthly, annual fee or transaction fees.

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    Details
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    UHomeLoan

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    1.85% p.a.
    fixed 3 years
    2.24% p.a.

    $0 fees and easy application. Choose between weekly, fortnightly or monthly repayments. 3 year fixed rates are for new Owner Occupier Principal & Interest loans.

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    Details
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    Mozo Experts Choice 2021
    Variable Home Loan Special

    Owner Occupier, Principal & Interest, LVR <70%

    interest rate
    comparison rate
    Initial monthly repayment
    2.09% p.a. variable
    2.12% p.a.

    Yard’s low-rate variable special home loan is packed with all features – unlimited additional repayments, free redraw, 100% offset account. Enjoy a simple online application. Special rate applies to home loan applications submitted by 31st May 2021. Low Cost Home Loan winner in the Mozo Expert's Choice Awards for 2021.

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    Mozo Experts Choice 2021
    Celebrate Variable Home Loan

    <60% LVR, Owner Occupier, Principal & Interest

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

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

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    Details
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    Basic Home Loan

    Fixed, Owner Occupier, Principal & Interest, LVR<70%

    interest rate
    comparison rate
    Initial monthly repayment
    2.09% p.a.
    fixed 3 years
    2.43% 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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    Details
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    Special Fixed Rate Home Loan

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    1.98% p.a.
    fixed 3 years
    3.56% p.a.

    Great fixed low rate. Ability to split your loan between fixed and variable. Insurance discounts and $0 credit card or personal loan fee available. $2,000 cashback offer for investor & owner occupied home loans over $250k with LVR ≤80% when refinancing to Newcastle Permanent. Enjoy local branches and call centre.

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    Details
  • Hot Deal$3,000 cashback when you refinance your home loan to BOQ (T&Cs apply)
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    Mozo Experts Choice 2021
    Discount Fixed Rate

    Owner Occupier, Principal & Interest, <80% LVR

    interest rate
    comparison rate
    Initial monthly repayment
    1.89% p.a.
    fixed 2 years
    3.05% p.a.

    Have the certainty of fixed repayments with a competitive rate from BOQ. Flexible repayment options available and make up to $5,000 in additional repayments annually. $3,000 cashback when you refinance your home loan to BOQ (min. $250k lending, max 80% LVR, T&Cs apply). Fixed Rate Home Loan Winner in the Mozo Expert's Choice Awards for 2021.

    Details
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    Mozo Experts Choice 2021
    Well Balanced

    Owner Occupier, Principal & Interest, LVR <80%

    interest rate
    comparison rate
    Initial monthly repayment
    2.17% p.a. variable
    2.20% p.a.

    Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee. Purchase, Refinance or Equity Release purposes allowed. Offset Home Loan winner in the Mozo Expert's Choice Awards for 2021.

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    Details
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    Special Offer Fixed Rate Home Loan

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    1.99% p.a.
    fixed 3 years
    2.70% p.a.

    Limited time 3 Year Fixed Rate Special Offer for purchase or refinance. Rate lock option available. No monthly or ongoing fees.

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    Details
  • Hot DealAvailable to self-employed and PAYG borrowers
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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.

    A competitive rate for Aussies looking for a fast and flexible home loan. No credit scoring or ongoing fees. Extra repayments and redraw available. Get a dedicated specialist for the loan application process.

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    Details
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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 rates starting from 1.89% (2.85% comparison rate) 2 years fixed for owner occupiers. No monthly account keeping fees & No loan establishment fee.

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    Details
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    Basic Home Loan

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

    interest rate
    comparison rate
    Initial monthly repayment
    2.09% p.a.
    fixed 2 years
    2.56% 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.

    Go to site
    Details
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    Neat Home Loan

    Owner Occupier, Principal & Interest, LVR <60%

    interest rate
    comparison rate
    Initial monthly repayment
    2.19% p.a. variable
    2.20% p.a.

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

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    Details
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    Well Balanced Fixed

    Owner Occupier, Principal & Interest, LVR <80%

    interest rate
    comparison rate
    Initial monthly repayment
    2.04% p.a.
    fixed 3 years
    2.17% p.a.

    Super low rates from an online lender and the personal support from a family run company Free extra repayments and redraw facility. Flexible repayment schedule.

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    Details
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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
    2.29% p.a. variable
    2.23% p.a.

    Fast online application with no fees. Free extra repayments and redraw facility. Min 20% deposit. To reward borrowers for paying down their home loan, Athena will now automatically lower the rate as the loan is paid down. Winner of three Mozo Expert's Choice Awards for 2021.

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    Details
  • Hot DealReceive $3,288 cashback when refinancing to HSBC (T&Cs apply)
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    Fixed Rate Home Loan

    Owner Occupier, Principal & Interest, LVR <80%

    interest rate
    comparison rate
    Initial monthly repayment
    1.88% p.a.
    fixed 2 years
    2.86% p.a.

    Ability to split your home loan between Fixed and Variable. Dedicated Relationship Manager. Refinancers borrowing $250,000 or more will receive $3288 (T&Cs, eligibility and lending criteria apply).

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    Details
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    UHomeLoan - Discount Offer

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.34% p.a. variable
    2.34% p.a.

    Enjoy a super low rate. $0 fees to consider. Fast and easy online application. Free redraw and free extra repayments. Flexible payment terms. Min 20% deposit required.

    Go to site
    Details
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    Smart Home Loan 80

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.48% p.a. variable
    2.50% p.a.

    A low-rate home loan that could save you thousands, with no ongoing fees plus unlimited extra repayments and free redraws. You'll need to be borrowing $1 million or less and have at least a 20% deposit required.

    Go to site
    Details

^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.