How much is stamp duty and other upfront costs?
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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.
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Discounted 2 Year Fixed Rate in Home Package Plus (HPP). Owner Occupied. New to bank lending in the HPP >= $150,000. Maximum LVR 80%. Principal and Interest repayments.
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Frequently asked questions
What is stamp duty
Stamp duty is a tax applied to certain purchases, including the sale of property in most states and territories. The exact amount of stamp duty payable depends on the state or territory where you’re buying the property. Other factors include the property's price and whether it will be your primary residence or an investment.
For more information, read our articles, “How much is stamp duty in Queensland” and “What is the total cost of buying a house”.
How is stamp duty calculated?
Calculating stamp duty will differ depending on the state where you are purchasing a property. By using Suncorp Bank's stamp duty calculator, you'll receive an estimated amount of the stamp duty you would be liable to pay when buying a property in any Australian state or territory.
Are there any exemptions to paying stamp duty?
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.
Are there any other extra cost considerations?
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”.
It may be necessary to vary the terms of your product to convert it to a different replacement product. This means you may end up with a product that has different terms and features from those you initially applied for. In any event, Suncorp Bank will give you more information about these changes before they take effect. You may also wish to consider applying for other products instead. If you have any questions, please contact us on 13 11 75.
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 Personal/Owner Occupied loans taken out as part of the Home Package Plus >= $150,000 and borrowings <= 80% of the security property value (LVR) inclusive of lenders mortgage insurance (if applicable), Principal and Interest repayments. The discounted rate (currently 4.79% p.a.) is calculated by subtracting a discount of 0.45% from the Standard 2 Year Fixed Rate (currently 5.24% p.a.) and only applicable while the loan remains in the Home Package Plus. At expiry of the 2 Year Fixed Rate Term, the loan will revert to the applicable Standard Variable Rate advertised at the time (currently 8.48% p.a.) less the Home Package Plus discount (currently 2.97% p.a.). The Standard 2 Year Fixed Rate applicable on the day of settlement of the loan will be used to calculate the applicable discounted fixed rate unless the rate has been secured by paying a Guaranteed Rate Fee, which must be selected at time of loan application. Current standard fixed rates and discounts are subject to change without notice. Pre-approvals excluded. The discounted rate is available on eligible loans applied for from 22 August 2025.
# 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.
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.
