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Buying a property
Still have questions:
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.
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:
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:
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Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) (ANZ) acquired Norfina Limited (ABN 66 010 831 722) (Suncorp Bank) on 31 July 2024. As Suncorp Bank is now part of the ANZ Group, it may be necessary to vary the terms of your Suncorp Bank product to match the terms of a similar ANZ product. This means you may end up with a product that has different terms and features to those you initially applied for. In any event, Suncorp Bank will provide you with a more detailed notice of these changes if the variation applies to your products. A full list of these changes for each product can be found at suncorpbank.com.au/variation. Please contact us if you have any questions or if there is a feature that is important to you.
Home Loan, Personal and Business Banking products are issued by Suncorp Bank (Norfina Limited ABN 66 010 831 722 AFSL No 229882 Australian Credit Licence 229882) to approved applicants only. Eligibility criteria, conditions, fees and charges apply and are available on request. Please read the relevant Product Information Document and terms and conditions before making any decisions about whether to acquire a product.
±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.
##Home Package Plus Annual Fee
$375 annual package fee will be charged and reimbursed while package is active. Savings based on 30-year loan term. Offer subject to change.
What can I expect?
Whether you want to get pre-approval, a new loan or refinance your existing loan with Suncorp Bank, you can apply quickly online. We’ll reply within two hours or by the next business day.
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.
