Stamp Duty Costs Calculator

What Is Stamp Duty?

Stamp duty is a state government tax that applies when you buy property in Australia. The amount varies depending on:

• Property purchase price
• State or territory
• Whether you’re a first home buyer
• If you’re buying as an investor or owner-occupier
• Whether the property is new, established, or off-the-plan

Stamp duty can be one of the largest upfront costs when purchasing a home—understanding it early can help you budget more accurately and avoid surprises.

Who Pays Stamp Duty?

The buyer pays stamp duty, and it must be paid within a set period after settlement (usually within 30 days). Failing to pay on time can incur interest and penalties.

First Home Buyer Concessions

Each state and territory offers different incentives or exemptions for first home buyers. You may be eligible for:

• Full or partial stamp duty exemption
• First Home Owner Grant (FHOG)
• Concessional transfer duty rates

Our team can help you navigate these state-specific rules and maximise your benefits.

Let Shore Financial Help You Plan Ahead

Stamp duty is just one of many costs to consider when buying property. At Shore Financial, we help you plan for everything—from your deposit and stamp duty, to lender fees and legal costs.

We also work with over 70 lenders to secure competitive home loan rates tailored to your needs, whether you’re buying your first home, upsizing, or investing.