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Local Knowledge Finance

Stamp Duty Calculator

Estimate transfer duty by state and FHB concession status. Indicative only.

Estimated stamp duty
$35,707
NSW
Effective rate
3.97%

Estimates only. Actual duty depends on contract type, property use, and state-specific rules. Always confirm with your conveyancer or speak with us.

Frequently Asked Questions

Stamp duty — officially called transfer duty in NSW — is a state government tax paid when you purchase property. The amount is calculated on a sliding scale based on the property value and whether it is your primary residence or an investment.
NSW offers stamp duty exemptions for first-home buyers purchasing new or existing homes valued up to $800,000, and concessions on properties up to $1,000,000 under the First Home Buyer Assistance Scheme (FHBAS). Vacant land thresholds differ. Eligibility conditions apply.
In NSW, stamp duty must be paid within three months of the contract date (exchange of contracts). Your solicitor or conveyancer typically arranges payment through Revenue NSW as part of the settlement process.
Yes. Owner-occupiers may access concessions and exemptions not available to investors. Additionally, foreign buyers pay a surcharge of 8% on top of standard stamp duty in NSW. The calculator accounts for these differences.

Important Disclaimer

This calculator provides general estimates only. The results are indicative and should not be relied upon as financial advice, a quote, or a guarantee of loan approval or terms.

Your actual borrowing capacity, repayments, stamp duty, and other costs may differ based on:

  • Individual lender assessment criteria and policies
  • Your complete financial circumstances, credit history, and employment status
  • Current interest rates, government policies, and market conditions
  • Property type, location, and intended use (owner-occupied vs. investment)
  • Additional fees, charges, and conditions not captured in this calculator

General Advice Warning

Any information provided by this calculator is general in nature and does not take into account your personal objectives, financial situation, or needs.

Before making any financial decisions, you should:

  • Consider whether the information is appropriate for your circumstances
  • Read the relevant Product Disclosure Statement (PDS) or loan documents
  • Seek professional financial advice tailored to your situation
  • Compare multiple lenders and loan products

Regulatory Compliance: Local Knowledge Finance is committed to compliance with all applicable Australian Securities and Investments Commission (ASIC) regulations and the National Consumer Credit Protection Act 2009.

Not Financial Advice: This calculator and its outputs do not constitute financial advice, credit assistance, or a recommendation to enter into any particular loan or financial product.

Accuracy: While we strive to ensure the accuracy of this calculator, Local Knowledge Finance makes no representations or warranties about the completeness, accuracy, or reliability of the information provided.

Liability: To the maximum extent permitted by law, Local Knowledge Finance disclaims all liability for any loss or damage arising from your use of this calculator or reliance on its results.

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Ding Financial Pty Ltd (trading as Local Knowledge Finance) ACN 110 490 947 is an authorised Credit Representative Number 517980 of Global Mutual Funds Pty Ltd ACN 090 555 436 AFSL/Australian Credit Licence 222640.