Stamp Duty Calculator
Stamp Duty Calculator Australia See Your Real Upfront Cost
This stamp duty calculator estimates the transfer duty payable when you buy property in Australia. Enter the state, property value, property type, and your buyer status, and it returns the duty payable along with any concessions or exemptions that may apply based on current thresholds.
Stamp duty is usually the single largest upfront cost in a property purchase, often running into tens of thousands of dollars. For a $700,000 property bought by an established homeowner in Queensland, transfer duty alone is over $17,000. Most first-time buyers underestimate the figure, which is why running this stamp duty calculator Australia early matters before locking in a purchase price. Output is an estimate, final duty is calculated by the relevant state revenue office at settlement, so always confirm with your conveyancer.
How Stamp Duty Is Calculated
Stamp duty is calculated as a percentage of the dutiable value of the property, usually the contract price or market value, whichever is higher. Rates are tiered, with higher percentages applied to higher-value bands.
A small percentage applies to the first portion of the property value, then the rate steps up at each threshold. The total duty is the sum of each band’s calculation, not a single flat percentage on the full value. Concessions for first home buyers can reduce or eliminate the duty for eligible properties under certain thresholds, while investors usually pay full standard rates. The calculator handles the band calculation automatically, the key inputs are state, property value, property type, and buyer status.
Queensland First Home Buyer Concessions
Queensland has significantly expanded stamp duty relief for first home buyers, with different rules for new builds, established homes, and vacant land.
From 1 May 2025, eligible first home buyers purchasing a new home or vacant residential land to build on pay zero transfer duty, with no property value cap. On established homes, a full exemption applies up to $700,000, with a partial concession up to $800,000. To qualify, buyers must be at least 18, an Australian citizen or permanent resident, have never previously owned property in Australia, move in within 12 months of settlement, and live there for at least 12 continuous months. These figures are current as of June 2026 and may change, always verify with the Queensland Revenue Office or your conveyancer before signing.
How ADA Financial Services Helps
A stamp duty calculator gives you an estimated figure. A broker tells you which concessions and grants apply to your specific situation, how they interact with your loan structure, and what your total upfront cost looks like in cash terms.
ADA Financial Services works with first home buyers and prospective borrowers across the Sunshine Coast and Northern Australia to map the full cost picture before any contract is signed. We assess which grants and concessions you may qualify for, coordinate with your conveyancer on timing, and compare lenders on rate, fees, and policy fit. Our fee is paid by the lender at settlement in most standard cases, disclosed in writing before any application proceeds.
Working out the real upfront cost of your property purchase?
Speak with an ADA Financial Services specialist about your situation. We confirm which first home buyer concessions apply, model the total upfront cost, and help you plan the full purchase budget before you sign a contract.
This is general information only and does not constitute financial or credit advice. Speak to a licensed broker for advice tailored to your situation.
FAQs
When do I pay stamp duty?
Generally at or before settlement, separately from the loan funds. Your conveyancer lodges the assessment with the state revenue office and arranges payment as part of settlement.
Can stamp duty be added to my home loan?
Generally no, since it’s paid in cash and isn’t part of the property value being financed. Some borrowers effectively cover it with a larger loan, but this raises your LVR and may trigger LMI.
Are first home buyer stamp duty exemptions automatic?
No. You need to apply through your conveyancer when the assessment is lodged, and meet eligibility tests including never having owned property and living in it for a set minimum period.
Why is stamp duty in Victoria so much higher than in other states?
Victoria uses higher rates across its brackets than Queensland and most other states. On a $700,000 property, Victorian duty runs around $37,000 compared to roughly $17,000 in Queensland.
Do I pay stamp duty when refinancing my home loan?
Generally no, since you’re not transferring ownership. You’ll pay a small mortgage registration fee instead, not a full stamp duty assessment.
What This Loan Repayment Calculator Shows
This loan repayment calculator estimates what you will pay each month on a home loan, how much of that payment goes to interest versus principal, and the total interest charged across the full term. You enter your loan amount, interest rate, term, and repayment frequency. The output gives you a clean repayment figure to plan around and a total cost number that most borrowers underestimate.
The estimate is based on the inputs you provide and assumes a standard principal and interest loan with a constant interest rate. Real loans vary as rates move and fees apply. Treat the output as a planning figure, not a loan offer.
What This Loan Repayment Calculator Shows
This loan repayment calculator estimates what you will pay each month on a home loan, how much of that payment goes to interest versus principal, and the total interest charged across the full term. You enter your loan amount, interest rate, term, and repayment frequency. The output gives you a clean repayment figure to plan around and a total cost number that most borrowers underestimate.
The estimate is based on the inputs you provide and assumes a standard principal and interest loan with a constant interest rate. Real loans vary as rates move and fees apply. Treat the output as a planning figure, not a loan offer.