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Property Fees Calculator

Estimate all government fees when buying a property in Australia — including stamp duty, title transfer fee and mortgage registration fee. Covers all 8 states and territories with first home buyer concessions.

Property Fees Calculator
$
$
Enter your loan amount to include the mortgage registration fee
First home buyer
Non-first home buyer
Owner-occupier
Investor
Established home
New build / off-the-plan
Vacant land
Applies to non-Australian citizens / non-permanent residents purchasing residential property. ACT and NT have no surcharge.
Total Government Fees
due on settlement
$0
Effective rate 0%
Fee breakdown
Stamp duty (transfer duty)$0
Title transfer registration fee$0
Mortgage registration fee$0
Total Government Fees$0
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Calculator disclaimer
About this calculator
The results from this Property Fees Calculator are intended as a general guide only and should not be relied upon as professional legal, taxation or financial advice. Stamp duty (transfer duty) rates, thresholds, concessions and government fee schedules are set by state and territory governments and are subject to change without notice. Smart Mortgage Corp makes no warranty, express or implied, as to the accuracy, completeness or currency of the information provided. The actual fees payable may differ from the estimates shown. Always verify your liability with the relevant state revenue authority or consult a licensed conveyancer or solicitor before exchanging contracts or proceeding to settlement.
Key assumptions & data sources
  • Stamp duty rates and thresholds reflect 2025–26 legislative information. Key updates incorporated: NSW Surcharge Purchaser Duty increased to 9% (1 January 2025); WA First Home Buyer thresholds updated (21 March 2025); QLD FHB new-build exemption with no price cap (1 May 2025); SA FHB new-build exemption with no price cap (June 2024); ACT conveyance duty rates and HBCS threshold updated (1 July 2025).
  • Title transfer and mortgage registration fees reflect 2025–26 land titles office fee schedules. VIC fees are calculated using the 2025–26 fee unit value of $16.81 (electronic lodgement).
  • The WA First Home Buyer concession applies metropolitan Perth thresholds. Regional WA buyers may be eligible for slightly higher thresholds — verify with the WA Department of Finance.
  • The ACT Home Buyer Concession Scheme (HBCS) is available to eligible buyers who have not owned residential property in the previous 5 years, intend to occupy the property as their principal place of residence, and meet the applicable income test. The concession is not limited to first home buyers.
  • The Foreign Buyer Surcharge is calculated at the current rate for each state (NSW 9%, VIC/QLD/TAS 8%, WA/SA 7%; ACT and NT have no surcharge). Eligibility exemptions (e.g. permanent residents, NZ citizens meeting the ordinary residency test) are not assessed by this calculator — the surcharge is shown in full if the Foreign Buyer option is selected.
  • PEXA or other eConveyancing platform fees, legal/conveyancing fees, council and water rate adjustments, building inspection costs and other settlement costs are not included in this estimate.
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