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Property Fees Calculator

Estimate all government fees when buying a property in Australia — including stamp duty, title transfer fee and mortgage registration fee. Covers all 8 states and territories with first home buyer concessions.

Property Fees Calculator
$
$
Enter your loan amount to include the mortgage registration fee
First home buyer
Non-first home buyer
Owner-occupier
Investor
Established home
New build / off-the-plan
Vacant land
Applies to non-Australian citizens / non-permanent residents purchasing residential property. ACT and NT have no surcharge.
Total Government Fees
due on settlement
$0
Effective rate 0%
Fee breakdown
Stamp duty (transfer duty)$0
Title transfer registration fee$0
Mortgage registration fee$0
Total Government Fees$0
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Calculator disclaimer
About this calculator
The results from this calculator are intended as a general guide only and should not be relied upon as professional legal or financial advice. Government fee rates, stamp duty thresholds and concessions are set by state and territory governments and are subject to change. Smart Mortgage Corp does not warrant the accuracy, completeness or currency of the information provided. Always verify your liability with the relevant state revenue authority or consult a licensed conveyancer before settlement.
Key assumptions & limitations
  • Stamp duty rates and thresholds reflect 2025–26 information. WA FHB thresholds reflect the 21 March 2025 update; QLD FHB new-build exemption reflects the 1 May 2025 update; ACT rates reflect the 1 July 2025 update.
  • Title transfer and mortgage registration fees reflect 2025–26 land titles office schedules. VIC fees use the 2025–26 fee unit value of $16.81.
  • The WA First Home Buyer concession uses metropolitan Perth thresholds. Regional WA thresholds differ — verify with the WA Department of Finance if purchasing in a regional area.
  • The ACT Home Buyer Concession Scheme applies to eligible first home buyers who are owner-occupiers and is subject to an income test.
  • Foreign buyer surcharges and PEXA/eConveyancing platform fees are not included in this calculator.
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