Calculator Disclaimer
The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan. It is advised that you consult your financial adviser before taking out a loan. All applications are subject to each lender's credit assessment criteria. Terms and conditions, fees and charges apply. Interest rates are subject to change. Credoleap Finance Pty Ltd (ABN: 26 697 965 683) is a Credit Representative of Australian Finance Group Ltd (ACL: 389087).
Stamp Duty & Upfront Fee FAQs
Stamp duty (also known as transfer duty) is a mandatory tax levied by state and territory governments on real estate transactions. The total amount is generally calculated based on the purchase price of the property.
Yes, many Australian states—including South Australia—offer specific stamp duty exemptions or concessions for eligible first home buyers, subject to legislated property value thresholds. We can help you explore current guidelines.
In most cases, stamp duty must be covered out of pocket from your savings or equity and cannot be capitalised into the mortgage. Lenders will verify that you have sufficient funds to cover both the deposit and government fees.
While exact timelines vary by state regulation, stamp duty is typically payable either on the day of settlement or within a specific window (often 30 days) following the formal property transfer. Your conveyancer generally coordinates this payment.