Is stamp duty applicable to houses and apartments?

Yes. Transfer duty is applicable on all property title transfers. The requirement covers all types of commercial and residential properties. Exemptions apply for some buyers.

Will I have to play stamp duty on an investment property?

Yes. Transfer duty applies to both investment properties and owner-occupier residences.

If I refinance my home loan, do I have to pay stamp duty?

No. Refinancing does not involve the transfer of property title to another party. As such, transfer duty is not applicable.

How is stamp duty calculated?

Stamp duty is calculated on the purchase price or market value of the property. The rates and formula vary with the state or territory. This is a state-based tax.

How long will I have to pay the transfer duty?

The amount of time allowed to pay transfer duty varies with the different states.

Do all home loans incur Lender Mortgage Insurance?

No. Lender Mortgage Insurance is required where the LVR is less than 80%. Low Deposit Home Loans with as little as 5-10% deposit will be required to pay LMI.

Can I pay the stamp duty from funds I have for a deposit?

Buyers can pay stamp duty from funds of their choice. Where deposit funds are used to pay transfer duty, the deposit available for the purchase, and for the loan application will be reduced. This may impact the loan.

Is the transfer duty based on the home loan?

No. Transfer duty is calculated on the price of the property, not the amount of the home loan.

Does the buyer or the seller pay the stamp duty?

Property buyers are responsible to pay the stamp duty.

What are the upfront costs? Estimate with Stamp Duty Calculator

Stamp (Transfer) Duty is a property tax and one of the upfront costs with buying property. Other costs include conveyancing, lender fees, and possibly Lender Mortgage Insurance. Transfer Duty can be significant. Our Stamp Duty Calculator allows buyers to generate estimates when planning their loan.

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What is a stamp duty calculator?

What upfront costs will I need to pay with my home loan?

Home loans include not only the repayments for the principal and interest, but additional costs and charges. Stamp Duty, or Transfer Duty, is a state-based tax which applies to property transactions, with some exemptions. Buyers will also have Conveyancing Fees from their solicitor. Lenders will have fees and charges and low deposit loans attract Lender Mortgage Insurance.

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Plan your home purchase with Yes Home Loans stamp duty calculator

This calculator is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for finance or any indication that an application has been received or approved. The repayments quoted may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.

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