Estimate your repayments, stamp duty, registration fees and the total cash you need to buy, in every state and territory.
Loan Term
First home buyer?
Buying as
Monthly Repayment
$5,057
$60,679/year
Total cash needed
Deposit $200,000 + upfront costs
$257,574
Estimates only, based on published rates as at 1 July 2026. Confirm with the State Revenue Office Victoria or your conveyancer. Excludes legal, inspection, LMI and lender fees.
Every state and territory sets its own transfer duty scale, first home buyer concessions and land titles fees. The figures below are the published schedules used by the calculator above.
| State | Mortgage registration | Transfer registration | Transfer duty & first home buyers | Sources |
|---|---|---|---|---|
| NSWDuty from 1 July 2026 Fees from 1 July 2026 | $182.73 | $182.73 | Same scale for all buyers: $11,602 + 4.5% over $387,000; $52,237 + 5.5% over $1.29M; premium 7% over $3.87M. New or existing homes: no duty to $800,000, concession to $1M. Vacant land: no duty to $350,000, concession to $450,000. | |
| VICDuty from 1 July 2021 Fees from 1 July 2026 | $129.20 (electronic) | $104.30 + $2.34 per $1,000, max $3,614 (electronic) | $2,870 + 6% over $130,000; 5.5% of the whole value from $960,000 to $2M; $110,000 + 6.5% over $2M. Owner-occupiers get lower PPR rates up to $550,000. No duty up to $600,000, sliding concession to $750,000 (new or established). Off-the-plan concessions not modelled. | |
| QLDDuty from 1 May 2025 Fees from 1 July 2026 | $248.04 | $248.04 + $46.56 per $10,000 (or part) over $180,000 | General rate up to 5.75% over $1M; owner-occupiers pay the lower home concession rate ($30,850 + 5.75% over $1M). New homes and vacant land: no duty, no cap. Established homes: up to $17,350 off, full relief to ~$709,999, phasing out at $800,000. | |
| WADuty from 7 May 2026 Fees from 1 July 2026 | $225.10 | $225.10–$255.10 to $200k; $275.10 to $300k, then +$20 per $100,000 | General rate up to $28,453 + 5.15% over $725,000. No separate owner-occupier rate above $200,000. First home owner rate (from 7 May 2026): homes nil to $600,000, concession to $800,000; vacant land nil to $450,000, concession to $550,000. | |
| SADuty from 13 Feb 2025 Fees from 1 July 2026 | $204 | $353 + $105 per $10,000 (or part) over $50,000 | Single scale for all buyers: $21,330 + 5.5% over $500,000. New homes, off-the-plan apartments and vacant land: no duty, no cap. No relief on established homes. | |
| TASDuty from 1 July 2026 Fees from 1 July 2026 | $167.58 | $256.76 | Single scale for all buyers: $27,810 + 4.5% over $725,000. No first home duty concession for settlements from 1 July 2026 (the established-home exemption to $750,000 has ended). | |
| ACTDuty from 1 July 2026 Fees from 1 July 2026 | $184 | $496 | Separate owner-occupier and investor scales (e.g. owner-occupier $33,958 + 6.4% over $1M); flat 4.54% of the whole value above $1,455,000 for everyone. Home Buyer Concession Scheme from 1 July 2026: no duty, no income test or price cap, if you haven't owned property in 5 years. Off-the-plan unit exemption for owner-occupiers. | |
| NTDuty from 1 July 2017 Fees from 1 July 2026 | $181 | $181 | Formula up to $525,000 (D = 0.06571441V² + 15V, V in $000s); then 4.95% of the whole value to $3M, 5.75% to $5M, 5.95% above. No first home duty concession. House and Land Package Exemption for eligible new homes (to 30 June 2027); $50,000 HomeGrown Territory Grant. |
Estimates only, based on published rates as at 1 July 2026. Confirm with the relevant state revenue office or your conveyancer. Fees shown are for electronic lodgment where a separate paper fee applies.
Your borrowing power depends on several key factors. Here is what lenders typically consider.
Lenders assess your gross income, employment stability, and type (PAYG vs self-employed). Most require at least 2 years of employment history.
Credit cards, personal loans, HECS/HELP, and car loans all reduce your borrowing capacity. Reducing debts before applying can help.
Lenders use the Household Expenditure Measure (HEM) or your actual expenses, whichever is higher, to assess serviceability.
A larger deposit means a lower Loan-to-Value Ratio (LVR). Below 80% LVR avoids Lenders Mortgage Insurance, saving you thousands.
This is general information only and does not constitute financial advice. Speak with a licensed mortgage broker for personalised guidance.
Buying your first home is exciting and overwhelming. Here are six essential tips to get you started.
Aim for at least 20% to avoid Lenders Mortgage Insurance (LMI). Some lenders accept as little as 5% for first home buyers.
The First Home Owner Grant (FHOG) and stamp duty concessions can save you thousands. Eligibility varies by state.
A pre-approval letter shows sellers and agents you are serious. It also helps you understand your true budget.
Stamp duty, legal fees, building inspections, and moving costs can add 5-8% on top of the purchase price.
Do not just go with the first rate you see. Comparison rates include fees and give a truer picture of costs.
Look at future growth areas, transport links, and local amenities. Your first home does not need to be your forever home.
Connect with a local agent who can guide you through the buying process and help you find the right property within your budget.
