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Estimate stamp duty and upfront costs

Use our calculator to plan for the costs that come with buying a property.

Property usage
Are you a first home buyer?
Is this a new property?

Your estimated upfront costs

$1,569

  • Concession-$21,529

    First home buyer duty exemption

    -$21,529

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

    Learn More
  • Stamp duty$21,529

    Transfer duty (stamp duty)

    $21,529

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

    Learn More
  • Conveyancing & transfers$1,569

    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

    Mortgage registration fee

    $176

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

    Learn More

    Transfer fee

    $176

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

    Learn More

    Title search fee

    $18

    A State Government fee to search for a property title.

    Learn More

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Understand the costs before you make an offer

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Your deposit is only one of the costs. Estimating upfront costs early can help you understand what you may need to pay.

Upfront costs can include stamp duty, transfer and mortgage registration fees, legal and conveyancing fees, inspections, and sometimes LMI.

Once you have an estimate, it’s easier to set your budget, compare properties and decide what’s within reach.

What upfront costs should you plan for?

Upfront costs are the expenses you may need to cover before your home loan settles. Stamp duty is usually one of the biggest costs, but it's not the only one.

Key upfront costs to consider:

CostHow it affects you

Stamp duty / transfer duty

Usually the largest upfront cost. The amount depends on the property value, location, and whether you’re eligible for any exemptions or concessions.

Government fees

Transfer and registration fees are usually added on top of stamp duty.

Deposit size

A larger deposit can reduce the amount you need to borrow. A smaller deposit (less than 20%) may require LMI.

Lenders Mortgage Insurance (LMI)

If your deposit is under 20%, you may need to pay LMI. Some lenders may let you add it to your loan instead of paying it upfront.

Legal and conveyancing fees

You’ll usually need to pay a conveyancer or solicitor to manage the legal side of the purchase.

Building and pest inspections

These checks can help uncover issues before you buy.

Loan fees

Some lenders charge application, settlement, or valuation fees. See our fees.

Moving and setup costs

Removalists, utility connections, and immediate repairs or updates.

A house in Australia

Upfront costs can vary with a range of factors

It’s not just the deposit you’ll need to cover when you buy a home. There’s other fees and charges – including stamp duty – which get bundled into the costs you need to pay, upfront.

Learn more about upfront costs

Plan your purchase with more calculators

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Frequently asked questions

How does stamp duty affect my property purchase?

Stamp duty is a state government tax levied on home buyers. The amount depends on the state or territory, purchase price and whether you qualify for any concessions.

Learn more about stamp duty.

Can I apply for a Tiimely Own home loan?

You can find out by checking against the eligibility criteria, which consider a range of factors including property (value, location, type), your deposit, employment history and type, and identity (government ID and citizenship).

Check my eligibility.

What are the upfront costs involved in buying a home?

Common upfront expenses can include stamp duty, transfer fees, mortgage registration fees, legal and conveyancing fees, lender fees (if any), Lenders Mortgage Insurance (if your deposit is under 20%), building and pest inspections, and moving costs. These can add up to tens of thousands on top of your deposit, depending on the property and your loan setup. See our home loan guide for a detailed breakdown.

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

Find out more about the fees associated with a Tiimely Own home loan.

What stamp duty savings are available for first home buyers?

Many states and territories offer stamp duty relief for eligible first home buyers, but the rules differ by location and can depend on the property type (new, established, off-the-plan, or vacant land). For the most accurate answer for your situation, check your state or territory revenue office or use their official calculator.

How this stamp duty calculator works

How do you calculate stamp duty?

Stamp duty is a government charge you may need to pay when you buy property. The amount depends on where you’re buying, the property value, and whether any concessions or exemptions apply. Use our Stamp Duty Calculator for an estimate. Results are a guide only and may not include every concession, exemption or fee that could apply to your circumstances.

How do you calculate conveyance costs?

Conveyancing is the process of transferring property from one person to another.

Costs vary by state or territory and by provider. We use $1,200 as an estimate, while fees can range from around $60 for e-conveyancing to $2,200 or more.

Does your calculator include stamp duty exemptions?

This calculator provides estimates only. It can show some first home buyer duty savings in the result, but it may not include every concession or exemption that could apply to your circumstances. You may be eligible for additional savings depending on your situation and location, so it’s worth checking your state or territory revenue office for the latest rules.

VIC - NSW - QLD - WA - SA - ACT - TAS - NT

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Important information about rates
*Tiimely Own products are subject to loan-to-value ratio (LVR) requirements, eligibility and credit criteria and terms and conditions. Rates apply to new Tiimely Home customers only and are subject to change without notice.

**The rates shown for products available from panel lenders via Tiimely Home brokers are current based on information from panel lenders and are subject to change without notice. The home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product and the product may not include all the features relevant to you. All applications are subject to lender assessment and approval, and eligibility requirements and terms and conditions apply.

^The comparison rates displayed are calculated for a loan of $150,000 over 25 years. If a comparison rate relates to a Tiimely Own loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. If a comparison rate relates to an interest only loan with a fixed rate, the comparison rate has been calculated on the basis that the interest only period is the same duration as the fixed rate period. If a comparison rate relates to an interest only loan with a variable interest rate, the comparison rate has been calculated on the basis that the interest only period is 5 years.

WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. All interest rates are subject to change without notice.

Other important information
+Tiimely Home is known for its fast approvals for Tiimely Own products and responsive service, powered by our technology and supported by our team of experts. Application and approval times are estimates only and not guaranteed. Turnaround times are dependent on individual circumstances. Applications for a Tiimely Own loan may require an assessor to obtain more information. Assessment times for home loan applications made via Tiimely Home brokers are dependent on individual panel lenders.

The information provided does not constitute an offer of credit and does not take into account your objectives, financial situation or individual circumstances. We recommend seeking independent financial, taxation and legal advice to check how the information provided aligns with your individual circumstances.

Tiimely Home receives commissions from Tiimely Own loans and, where customers apply for a loan with the assistance of a Tiimely Home broker, from loans settled with panel lenders. Tiimely Home brokers do not receive individual commissions. More information about the credit services provided by Tiimely Home is available in the Tiimely Home Credit Guide (PDF) and Tiimely Home Broker Credit Guide (PDF).