Calculate your stamp duty

Stamp duty calculator

Work out the stamp duty and other upfront costs you'll need to pay when you get a home loan.

Property usage
Are you a first home buyer?

Your estimated upfront costs

$1,548

  • Concession-$21,735

    First home buyer duty exemption

    -$21,735

    A state government exemption from paying transfer (stamp) duty. This means you don’t pay anything.

    Learn More
  • Stamp duty$21,735

    Transfer duty (stamp duty)

    $21,735

    A State Government tax based on the purchase price of the property.

    Learn More
  • Conveyancing & transfers$1,548

    Mortgage registration fee

    $165

    A State Government fee to officially register a lenders’ mortgage on your property.

    Learn More

    Transfer fee

    $165

    A State Government fee to transfer land from one owner to another.

    Learn More

    Title search fee

    $17

    A State Government fee to search for a property title.

    Learn More

    Conveyancing

    $1,200

    Conveyancing is the legal process of transferring the title of a property from one person to another (from the seller’s name to the buyer’s name).

    Learn More


Choose product type
  • Variable

    Tiimely own

    Owner-occupied Principal & interest


    5.94%p.a.Interest rate

    5.95%p.a.Comparison rate


    • No hidden fees
    • Free online redraw on any additional repayments
    • Offset account optional for $10/month
    • Fast approval with Tiimely Turnaround™
    • Only 10% deposit required
    • Unlimited additional repayments
    • Up to 30 years loan term


    Backed and funded by Bendigo and Adelaide Bank

    Please note if you add an offset account, your comparison rate will change.

  • Fixed 1 year

    Tiimely own

    Owner-occupied Principal & interest


    6.14%p.a.Interest rate

    6.01%p.a.Comparison rate


    • Offset account optional for $10/month
    • 5.99% roll-to-rate after 1 year
    • Fast approval with Tiimely Turnaround™
    • No hidden fees
    • Free online redraw on any additional repayments
    • $20,000 additional repayments limit per year
    • Only 10% deposit required
    • Up to 30 years loan term


    Backed and funded by Bendigo and Adelaide Bank

    Please note if you add an offset account, your comparison rate will change.

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Frequently asked questions

Save time with an instant answer

What is Stamp Duty?

Stamp duty is a state government tax levied on home buyers and it varies depending on the state or territory.

Generally, it’s 3-4% of the property value, but it’s best to use our Stamp Duty Calculator for an estimate of what you can expect to pay. Below, you’ll find an overview of stamp duty for each state and territory:

VIC
$440,001 to $550k = $18,370, plus 6% of the dutiable value over $440k.
$550,001 to $960k = $28,070, plus 6% of the dutiable value over $550k.

NSW
$80,001 to $300k = $1,290, plus $3.50 for every $100 over $80k$300,001 to $1m = $8,990, plus $4.50 for every $100 over $300k.

If you're a first home buyer, you can choose between a lump sum stamp duty payment or an annual tax that is based on your property's land value. There are conditions and eligibility criteria, which you can find here.

QLD
$75k to $540k = $1,050, plus $3.50 for every $100 over $75k.$540k to $1m = $17,325, plus $4.50 for every $100 over $540k.

WA
$100,001 to $250k = $2,090, plus $3.80 for every $100 over $100k.
$250,001 to $500k = $7,790, plus $4.75 for every $100 over $250k.

SA
$250k to $300k = $8,955, plus $4.75 for every $100 over $250k.$300k to $500k = $11,330, plus $5 for every $100 over $300k.

TAS
$200k to $375k = $5,935, plus $4 for every $100 over $200k.$375k to $725k = $12,935, plus $4.25 for every $100 over $375k.

NT & ACT
Stamp duty is determined by a formula in these territories, so you’ll need to use the calculators on the NT Government and ACT Revenue Office websites to determine approximate stamp duty.

Am I eligible to apply for a Tiimely Own home loan?

You can easily find out by checking against our eligibility criteria. These consider a range of factors including:

  • Property: value, location, and type
  • Your contributions (deposit or equity amount)
  • Employment: current and previous history, and type
  • Identity: forms of government ID, and citizenship

What are the stamp duty savings for First Home Buyers?

Most states offer some form of stamp duty/land transfer duty discount. Victoria, New South Wales, Queensland, Western Australia, ACT and Tasmania, all offer either a full exemption or partial concession on stamp duty/land transfer duty for first home buyers. Unfortunately, South Australia and the Northern Territory don’t currently offer any form of stamp duty/land transfer duty discount for first home buyers.

What are the upfront costs involved in buying a home?

Apart from saving as much of a deposit you can manage (at least 10% and preferably 20%), there are a number of upfront expenses you’ll need to allow for when buying your home. These include;

  • Stamp duty – varies from zero to many thousands of dollars, depending on where you are. If you’re a first home buyer, you may be entitled to an exemption, so check the government website in your state or territory.
  • Transfer fee - a state government fee for property title transfers which also varies by state. It could be hundreds or thousands of dollars, so check your government website for details.
  • Mortgage registration fee – A government fee covering mortgage registrations, usually in the low hundreds, depending on which state you’re in.
  • Legal fees - covers the cost of a licensed conveyancer to review your contract and title and drafting the settlement documents. This can cost anywhere from a few hundred to a few thousand, depending on complexity.
  • Mortgage application fee – a fee charged by your bank to set up your mortgage. Some banks offer reduced-fee deals, so it make sense to shop around.
  • Lenders Mortgage Insurance – usually only required if your deposit is less than 20%, and can cost you between 1 and 3% of the loan amount.
  • Inspection fee – A building inspection to check for structural issues and pests such as termites is usually between $200 - $500.
  • Other costs - Building or home insurance costs around $2000 a year and an additional ~$500 for contents. There are also utility connections and removalists fees which can vary considerably so it’s important to do some research to understand what this could cost.

Altogether, you could be looking at $30,000 on top of your deposit, so make sure you budget for this in your savings plan so you’ll be prepared at settlement time.

A more detailed breakdown of costs can be found in our Home Loan Guide.

For more information about the fees associated with a Tiimely Own home loan, click here.

How this stamp duty calculator works

How do you calculate stamp duty?

Stamp duty is a state government tax levied on home buyers and it varies depending on the state or territory you’re buying in.

Generally, it’s 3-4% of the property value, but it’s best to use our Stamp Duty Calculator for an estimate of what you can expect to pay.
Note: Your actual stamp duty cost may vary depending on your individual circumstances and our calculator does not take into account any stamp duty exemptions.

How do you calculate conveyance costs?

Conveyancing is the process of transferring property from one person to another. Costs can vary depending on the state or territory in which you’re buying and the conveyancer you use.
We use $1200 as an estimate based on what we see as average across the industry, however conveyancing fees can range anywhere from $60 for e-conveyancing, to upwards of $2200.

Does your calculator include stamp duty exemptions?

No, our calculator does not take into account stamp duty exemptions. You may be eligible for further exemptions based on your circumstances (such as your income, the state you live in or if you qualify as a first-home buyer).

The links below explore what exemptions are available in each state.

VIC

NSW

QLD

WA

SA

ACT

TAS

NT

Legal information about our rates
Our home loans are subject to credit criteria and eligibility requirements. Home loan interest rates are for new customers only and can change. Our comparison rates are based on a $150,000 loan amount over a 25 year term. They factor in fees associated with applying for the loan; ongoing fees and fees associated with leaving the loan. Our fixed loans roll to a variable principal and interest rate at the end of the fixed term. If the interest only period is not specified, the comparison rate is calculated on a one year period.

WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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