$27,937
Australia · Day-one cash
Stamp duty and transfer tax besides the deposit
State transfer duty (NSW, VIC, QLD) + LMI if the deposit is under 20%. Cash due before completion, separate from the monthly payment.
Example with the default inputs. Change any field to recalculate.
$27,937 on top of the deposit
Deposit $150,000 · cash to close $177,937.
$150,000
$177,937
Breakdown
| NSW transfer duty | $27,937 |
- NSW general transfer duty (2026/27 thresholds).
What this includes
NSW 2026/27 thresholds, VIC general and principal-place-of-residence rates, and QLD home and first home concessions. Where a first home buyer concession applies but is not computed, the page says so.
How we calculate
NSW (2026/27): $1.25 per $100 to $18,000, rising in bands to 4.5% from $387,000, 5.5% above $1.29m and 7% above $3.87m; first home buyers pay nothing up to $800,000 and a concession between $800,000 and $1m (flagged, not computed). VIC: general rates, with 5.5% of the whole value between $960,000 and $2m; owner-occupiers up to $550,000 get the principal-place-of-residence rates; first home buyers pay nothing up to $600,000 and a concession to $750,000 (flagged, not computed). QLD: general rates for investors; the home concession rate for owner-occupiers; first home buyers subtract the first home concession (full below $710,000, tapering in $10,000 steps to nil at $800,000). NSW and QLD charge per $100 or part of $100.
Official sources
- Revenue NSW — current thresholds and rates (2026/27)
- Revenue NSW — First Home Buyers Assistance scheme (contracts from 1 July 2023)
- SRO Victoria — general land transfer duty rates (contracts from 1 July 2021)
- SRO Victoria — principal place of residence rates
- SRO Victoria — first home buyer duty exemption or concession
- Queensland Revenue Office — transfer duty rates
- Queensland Revenue Office — home and first home concession rates (first home: contracts from 9 June 2024)
Rules checked against these sources on 24–25 September 2026.