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Interest rate p.a.
Comparison rate p.a.*
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*Comparison rate information

Example & terms

Daily example: $600,000 · 80% LVR · Owner-occupied · Variable · P&I · Purchase

30-year loan. These are daily market examples, not a personal quote or a whole-market ranking. Changing the calculator does not change these rates.

Subject to lender criteria, fees and conditions. Rates can change. Some products may be outside our broker panel or available only directly.

Your request goes to Rate Challenge. We’ll confirm available options and suitability; requesting a rate is not an application or approval.

Feed checked 1 Oct 2026. This is the dataset check date, not a separate verification date for each product.
Home loan tools

Stamp duty calculator

Know your stamp duty. Plan the upfront cost of your next move.

Calculate my stamp duty

All states & territories · No sign-up · Updated 7 September 2026

1

Your purchase

Enter the price, location and property details.

About 1 minute
What does this mean?

Confirm the state's residence and eligibility rules before ticking. When unsure, leave unticked: the general scale is used where a home concession needs confirmation.

State concession rules

Official rules ↗
Date & special cases
Supported dates

Automatic estimates support contracts from 2026-07-01. Recheck the rules for future contracts.

When to enter this

The higher of price and market value is used. Extra consideration or assumed vendor liabilities need an official estimate.

Which transactions?

Trust/company, partial or mixed interests, related-party or aggregated transfers, non-residential land, NSW land over two hectares, extra consideration or an unmodelled concession. Use an official estimate for these.

Deposit & buying costs optional

Deposit toward the price. Duty and costs are added separately.

Which costs are included?

Enter confirmed registration fees and your legal, inspection, lender and settlement allowances. Blank means unknown, not $0. LMI and grants are not automatically included.

Ready when you are.
2

Your duty estimate

Your upfront duty, broken down.

What will your duty be?

Add your purchase details to see your estimate and a clear breakdown.

Duty→Repayments→Live rates

Planning estimate only, not tax advice or approval. Confirm duty and eligibility with your conveyancer.

YOUR NEXT MOVE

Keep your plans moving.

Your duty is one part of the picture. Choose your next step.

More useful tools & guides

STAMP DUTY, EXPLAINED

Your questions, answered

The essentials on concessions, costs and your estimate.

One calculator for every state?

Yes. Select any Australian state or territory above to see the relevant options.

Will I get the concession?

Only if the official rules are met. Buyer and partner history, residence, property type and timing can affect eligibility. A federal deposit scheme is a separate test.

Why enter an official estimate?

Most purchases use the automatic result. For a special case, enter duty confirmed by your conveyancer or the revenue authority. It replaces the automatic duty, not the other buying costs.

What needs a separate check?

VIC/WA off-the-plan claims, unmodelled pensioner concessions, trusts, companies, mixed or partial interests and unusual contracts need an official estimate. This tool does not assess commercial or rural transactions.

Are all buying costs included?

No. Only duty, your entered deposit and entered costs. Unknown fees remain excluded. LMI, grants and the final settlement statement need separate checks.

How current are the rules?

The calculator uses current published state and territory duty information. Check the official guidance before signing or settling.

Make sense of your next move.Check your repayments, compare rates and plan your deposit.
Explore next steps →
Rate Challenge · Residential stamp duty estimates
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