Upfront costs and LMI calculator
TAS first home buyer relief for established homes is tested on the settlement date.
Used for Queensland home concessions and the 5% Deposit Scheme.
Leave it blank to use 20% of the price.
$500 is used in every state. Check your state's fees.
This only matters when lenders mortgage insurance applies to your loan.
Choose the area the property is in.
This calculator needs JavaScript. The rates it uses are in the table below.
How it's calculated
NSW transfer duty, general rates
| From | To | Base amount | Rate |
|---|---|---|---|
| $0 | $18,000 | $0 | 1.25% of the excess (minimum $20) |
| $18,000 | $38,000 | $225 | 1.5% of the excess |
| $38,000 | $103,000 | $525 | 1.75% of the excess |
| $103,000 | $387,000 | $1,662 | 3.5% of the excess |
| $387,000 | $1,290,000 | $11,602 | 4.5% of the excess |
| $1,290,000 | $3,870,000 | $52,237 | 5.5% of the excess |
| $3,870,000 | and over | $194,137 | 7% of the excess |
Rates apply per $100 or part of $100.
VIC transfer duty, general rates
| From | To | Base amount | Rate |
|---|---|---|---|
| $0 | $25,000 | $0 | 1.4% of the excess |
| $25,000 | $130,000 | $350 | 2.4% of the excess |
| $130,000 | $960,000 | $2,870 | 6% of the excess |
| $960,000 | $2,000,000 | $0 | 5.5% of the whole value |
| $2,000,000 | and over | $110,000 | 6.5% of the excess |
QLD transfer duty, general rates
| From | To | Base amount | Rate |
|---|---|---|---|
| $0 | $5,000 | $0 | 0% of the excess |
| $5,000 | $75,000 | $0 | 1.5% of the excess |
| $75,000 | $540,000 | $1,050 | 3.5% of the excess |
| $540,000 | $1,000,000 | $17,325 | 4.5% of the excess |
| $1,000,000 | and over | $38,025 | 5.75% of the excess |
Rates apply per $100 or part of $100.
WA transfer duty, general rates
| From | To | Base amount | Rate |
|---|---|---|---|
| $0 | $120,000 | $0 | 1.9% of the excess |
| $120,000 | $150,000 | $2,280 | 2.85% of the excess |
| $150,000 | $360,000 | $3,135 | 3.8% of the excess |
| $360,000 | $725,000 | $11,115 | 4.75% of the excess |
| $725,000 | and over | $28,453 | 5.15% of the excess |
Rates apply per $100 or part of $100.
SA transfer duty, general rates
| From | To | Base amount | Rate |
|---|---|---|---|
| $0 | $12,000 | $0 | 1% of the excess |
| $12,000 | $30,000 | $120 | 2% of the excess |
| $30,000 | $50,000 | $480 | 3% of the excess |
| $50,000 | $100,000 | $1,080 | 3.5% of the excess |
| $100,000 | $200,000 | $2,830 | 4% of the excess |
| $200,000 | $250,000 | $6,830 | 4.25% of the excess |
| $250,000 | $300,000 | $8,955 | 4.75% of the excess |
| $300,000 | $500,000 | $11,330 | 5% of the excess |
| $500,000 | and over | $21,330 | 5.5% of the excess |
Rates apply per $100 or part of $100.
TAS transfer duty, general rates
| From | To | Base amount | Rate |
|---|---|---|---|
| $0 | $3,000 | $50 | 0% of the excess |
| $3,000 | $25,000 | $50 | 1.75% of the excess |
| $25,000 | $75,000 | $435 | 2.25% of the excess |
| $75,000 | $200,000 | $1,560 | 3.5% of the excess |
| $200,000 | $375,000 | $5,935 | 4% of the excess |
| $375,000 | $725,000 | $12,935 | 4.25% of the excess |
| $725,000 | and over | $27,810 | 4.5% of the excess |
Rates apply per $100 or part of $100.
ACT transfer duty, investor rates
| From | To | Base amount | Rate |
|---|---|---|---|
| $0 | $200,000 | $0 | 1.2% of the excess |
| $200,000 | $300,000 | $2,400 | 2.2% of the excess |
| $300,000 | $500,000 | $4,600 | 3.4% of the excess |
| $500,000 | $750,000 | $11,400 | 4.32% of the excess |
| $750,000 | $1,000,000 | $22,200 | 5.9% of the excess |
| $1,000,000 | $1,455,000 | $36,950 | 6.4% of the excess |
| $1,455,000 | and over | $0 | 4.54% of the whole value |
Rates apply per $100 or part of $100.
ACT transfer duty, owner-occupier rates
| From | To | Base amount | Rate |
|---|---|---|---|
| $0 | $260,000 | $0 | 0.28% of the excess |
| $260,000 | $300,000 | $728 | 2.2% of the excess |
| $300,000 | $500,000 | $1,608 | 3.4% of the excess |
| $500,000 | $750,000 | $8,408 | 4.32% of the excess |
| $750,000 | $1,000,000 | $19,208 | 5.9% of the excess |
| $1,000,000 | $1,455,000 | $33,958 | 6.4% of the excess |
| $1,455,000 | and over | $0 | 4.54% of the whole value |
Rates apply per $100 or part of $100.