Stamp Duty Pages:

There are a number different Stamp Duty costs, so please ensure that you select the correct one or the combination of correct ones to accurately assess your requirements. If you are still not sure, please click here and submit your enquiry so we can assist you.

Purchase: This is the stamp duty that will be charged by the relevant State Government Office of State Revenue based on the contract purchase price of the property you are buying. In the case of a non-sale transfer (i.e. from one family member to another or a private sale without the intervention of a licensed Real Estate Agent) this will be based on a formal valuation by a registered valuer will be for the percentage of the property being transferred. If you are a First Home Owner Grant Recipient, you may NOT be liable for this charge and you should refer to the FHOG section of this web-site for further details.

Mortgage Duty: This duty will be charged on the value of the mortgage facility being raised by the relevant State Government Office of State Revenue. This duty is not applicable to all states and where it is being charged (New South Wales being one State) is being phased out in some of these States. However until removed or where it is still being charged, this needs to be calculated into your purchase costs or financing costs, where you are raising a mortgage for the first time on an existing owned property. The mortgage duty is usually substantially less than the Purchase Stamp Duty. If you require further information please do not hesitate to contact us or click here to send us an enquiry.

In the case where you are refinancing (replacing) an existing mortgage, you will be entitled to a refund of mortgage duty and only be charged for the additional mortgage borrowing you are taking out over and above the original mortgage, this being known as an Upstamp (explanation below). Your solicitor/conveyancer will handle this for you or where it is being handled by the solicitors acting for the replacement mortgagee, they will handle this for you as part of the refinancing process. If you require further information please do not hesitate to contact us or click here to send us an enquiry.

Upstamp: This is the duty charged on any extra mortgage borrowings over an above the stamp duty that may have already been paid (or waived if originally a FHOG exemption) on an existing borrowing. For example, Your original mortgage was for $100,000.00 (on which you paid stamp duty), you have paid off $20,000.00 and only owe $80,000.00. You decide to borrow an additional $40,000.00, by varying your mortgage with the current lender. This means that your borrowings will now total $120,000.00. The upstamp Mortgage stamp duty you pay will be only on $20,000.00 of the increased borrowings as you have already paid stamp duty on the original $100,000.00 that was borrowed when the loan was first settled. Please note however, that if you decide to use a separate mortgage facility (i.e. Second Mortgage facility) that you will pay stamp duty on the full borrowings of $40,000.00 not just the $20,000.00 used in this example. If you require further information please do not hesitate to contact us or click here to send us an enquiry. Please remember the rules can vary in each state so please read the information in the respective States information pages. As mentioned previously, if you are still not sure, please contact us as mentioned above and let us know so we can assist you.

Please choose which State that you wish to obtain the relevant Stamp Duty Costs from?

New South Wales (NSW)

Victoria (Vic)

Queensland (Qld)

Tasmania (Tas)

South Australia (SA)

Western Australia (WA)

Northern Territory (NT)

Australian Capital Territory (ACT)