Lending tool
Stamp duty (transfer duty)
Transfer duty for every state.
Calculates transfer duty for all eight states and territories from one set of inputs, with first-home concessions, owner-occupier scales and the foreign purchaser surcharge built in.
Useful both for a known purchase and for clients comparing interstate moves, because the same price can carry a very different duty bill across borders.
What you see on screen
In the app this chart is live: every assumption is on screen, editable, and the projection moves as you change it.
Key inputs
- Property price and state or territory
- Owner-occupier or investment purchase
- First-home buyer status
- New build or established dwelling
- Foreign purchaser status
What it reports
- Duty payable in the selected state, with the scale applied line by line
- Any first-home concession or exemption and the saving it delivers
- Foreign purchaser surcharge where it applies
- A comparison of the same purchase across states
Insights it surfaces
Alongside the numbers, the tool writes plain-language findings you can carry straight into the conversation. Example wording, from sample figures:
On a $850,000 established home in NSW, a first-home buyer pays $10,023 less than a repeat buyer.
The same purchase attracts $33,740 duty in NSW and $46,070 in VIC, a difference of $12,330.
Every tool, every time
Rates and thresholds come from the verified Australian rate set for the selected financial year. Every run can be saved as a scenario against the client, exported as a client-ready PDF or an Excel workbook with live formulas, and carried into an SOA or ROA. A methodology and audit PDF documents the calculation, and every output carries the compliance block.