How is Australian stamp duty calculated on residential property?

Stamp duty (transfer duty) is levied by individual state and territory governments (NSW, VIC, QLD, WA, SA) based on a sliding scale of property purchase price, with concessions for first home buyers.

What is Lenders Mortgage Insurance (LMI) in Australia?

LMI is an upfront insurance fee charged by Australian lenders when borrowing more than 80% Loan-to-Value Ratio (LVR) to protect the lender against mortgage default.

Are foreign buyers subject to additional stamp duty surcharges in Australia?

Yes, most Australian states impose a foreign purchaser duty surcharge (typically 7% to 8% on top of standard stamp duty rates).

Australian Real Estate & State Transfer Duty

Australia Property Stamp Duty Sizer

Calculate state transfer duties across New South Wales (NSW), Victoria (VIC), Queensland (QLD), and Western Australia (WA) with monthly P&I repayments.

Property & State Selection

Property Value ($ AUD)

State / Territory

Deposit Amount ($ AUD)

Interest Rate (% p.a.)

Acquisition & Loan Summary

Estimated Stamp Duty: $33,850

Monthly Repayment (30yr P&I): $4,142 / mo

Loan-to-Value Ratio (LVR): 80.0% (No LMI)

Total Upfront Cash Needed: $203,850

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