How much is stamp duty and other upfront costs?
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Each state and territory has different stamp duty rates and rules.
Generally, the higher the property price, the more stamp duty you pay. Some buyers, such as first-home buyers or those purchasing off-the-plan properties, may be eligible for concessions or exemptions.
Depending on your situation, you may be eligible to pay reduced or no stamp duty. For example, first home buyers in specific states or territories may be offered exemptions, concessions or reductions on stamp duty. Exceptions may also be available for certain types of purchases (e.g. off the plan builds) and certain types of property transfers (e.g. property inheritances). Check the website of the relevant state or territory revenue office for more information.
It’s important to note that the stamp duty calculator provided by Suncorp Bank does not factor exemptions into stamp duty estimates. Check the website of the relevant state or territory to learn more about potential exemptions or concessions.
In addition to stamp duty and home loan costs, there are some other potential costs to consider when purchasing a property. These include pest and building inspections and applicable legal and conveyancing fees. For more information, read our article, “What is the total cost of buying a house”.
Stamp duty is a government tax charged on property transactions, including buying a home, land, or investment property. The amount you pay depends on the state or territory where you're buying, the property value, and whether you're a first-home buyer. Since it can be a significant cost, it's important to factor it into your home-buying budget.
Our Stamp Duty Calculator helps you to estimate how much stamp duty you may need to pay based on:
- the purchase price of the property
- the state or territory where the property is located
- whether you're a first-home buyer (as you may qualify for exemptions or concessions)
- whether you're buying as an owner-occupier or investor.
Simply enter these details into the calculator, and we will provide you with an estimate of your stamp duty costs and additional government charges such as mortgage registration fee, transfer fee and title search fee.
It depends on the state or territory where you're buying. Some states offer full or partial exemptions for first-home buyers purchasing a property below a certain price.
Our Stamp Duty Calculator can help you check whether you might qualify for a concession. You can also check with your state’s revenue office for the most up-to-date eligibility requirements.
Yes, stamp duty rates for investment properties may be higher than for owner-occupied homes. Some states also charge an additional surcharge for foreign investors. If you're buying an investment property, our Stamp Duty Calculator can help you estimate the cost based on your situation.
Depending on the state or territory where you are buying, Stamp duty is usually payable within a set timeframe either after signing the contract or when the contract has become unconditional, or within a set period after property settlement. In some cases, you may need to pay it before settlement to complete the property transfer. Your solicitor or conveyancer can confirm the due date based on your property purchase. In some cases, you may need to pay it before settlement to complete the property transfer. Your solicitor or conveyancer can confirm the due date based on your property purchase.
Yes, if you're buying vacant land to build a home, you’ll still need to pay stamp duty. The amount is usually based on the purchase price of the land, rather than the completed home’s value. Some states offer concessions for first-home buyers or those acquiring vacant land and intend on building and living in the new home.
In addition to stamp duty, set out below are some of the costs you should also budget for:
- legal and conveyancing fees
- mortgage registration and transfer fees
- Lenders Mortgage Insurance (LMI) if your deposit is less than 20%
- property inspections (such as building and pest reports)
- moving costs and initial home setup expenses.
- Home insurance
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±Discounted rate is only available for new Personal/Owner Occupied loans taken out as part of the Better Together Special Offer >= $150,000 and borrowings <= 60% of the security property value (LVR) inclusive of lenders mortgage insurance (if applicable), with Principal and Interest repayments and who hold a Suncorp Bank transaction account. The discounted rate (currently 6.08% p.a.) is calculated by subtracting a discount of 2.57% from the Standard Back to Basics Variable Rate (currently 8.65% p.a.). Rates and discounts are subject to change and may be varied if the loan purpose or repayment type is changed or where the borrower fails to hold a Suncorp Bank transaction account. Pre-approvals excluded. The discounted rate is available on eligible loans applied for from 15 May 2026.
# COMPARISON RATE:
A comparison rate is a rate that indicates the true cost of a loan. This comparison rate is based on $150,000 over a term of 25 years and incorporates certain fees and charges that are applicable for the chosen product.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Comparison rates for Interest Only Fixed Rate home loans are based on an initial Interest Only period equal in length to the fixed rate period. Comparison rates for Interest Only Variable home loans are based on an initial 5 year Interest Only period.
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What is a comparison rate?
A comparison rate is a rate that indicates the true cost of a loan. This rate incorporates certain fees and charges that are applicable for the chosen product. For more information about the comparison rate and the comparison rate warning, please refer to the things you should know section of this page.
