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Stamp duty calculator

Stamp duty can be confusing, our stamp duty calculators help you do the sums.

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Home loan handy helpers

Heard some home loan lingo but are unsure what it means? Find the answers, explained in human terms, right here. No “bank-speak” allowed.

What is stamp duty?

Stamp duty (sometimes called transfer duty) is a tax you pay when buying a property. There are a few factors that determine the amount payable, including the value or purchase price of the property, your State or Territory and whether you're eligible for any concessions or exemptions.

Who is eligible for a stamp duty exemptions or concessions?

If you’re a first home buyer or your property is under a certain value, you may be eligible for a stamp duty exemption.

The rules around stamp duty exemptions or concessions vary between states and territories. To check if you’re eligible, contact your local State or Territory Revenue Office for more information.

Is stamp duty tax deductible?

Unfortunately, no.

On the upside, if you're buying an investment property, the ATO considers stamp duty as a cost of buying a property. This can help you reduce any capital gains tax paid if you sell the property for a profit.

If you’re buying an investment property, many of your rental property expenses such as advertising for tenants, maintenance, repairs, and insurance can be claimed on tax. Check with your accountant or a tax professional for more information.

Do you pay stamp duty on a new build?

Stamp duty is determined by a property’s purchase price or value, purpose and who is buying the property rather than if the home is a new or existing build. While the rules vary between states and territories you can contact your local State or Territory Revenue Office to find out if you’re eligible for a stamp duty exemption.

You can also read our FAQ Who is eligible for a stamp duty exemption? To learn more.


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Basic Variable Home loan
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Owner occupier, principal & interest. Includes discount on new and additional lending, LVR 80% or less. Minimum loan amount applies.1,2,3

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Important Information

Rates are current as at 15 December 2021 and subject to change.

Great Southern Bank, a business name of Credit Union Australia Ltd ABN 44 087 650 959, AFSL and Australian Credit Licence 238317. Lending criteria, limits, conditions, and fees apply. Applications are subject to credit approval.

1 Discounts off the Basic Variable Reference Rate are available to (a) new home loans with a minimum application amount of $100,000; or (b) switching or restructuring of the home loan you already have with us when it includes new borrowing of at least $10,000; for new home loan applications received on or after 28 September 2021. Published interest rates are inclusive of any discounts off the respective Reference Rates. Interest rates and discounts vary based on the loan purpose (owner occupier and investor), repayment type (principal and interest, interest only, construction) and Loan to Value Ratio (LVR). Maximum LVR applies and includes Lenders Mortgage Insurance and Great Southern Bank loan setup fees where applicable.

2 Great Southern Bank may withdraw or amend this offer at any time without notice. A change in your loan purpose, your repayment type or your loan product will permanently end your entitlement to the discount.

3 LVR means ‘Loan to Value Ratio’. It is the amount of your loan divided by the valuation of your property, calculated as a percentage. For example, if you apply for a loan of $400,000, which will be secured by a property valued at $500,000, your LVR is 80%. We calculate your LVR at the time we approve your loan and your discount won’t change because of changes to the LVR during the life of your loan.

# Online only offer includes $0 Establishment Fee and $0 Securities Administration Fee for new eligible online home loan applications received between 06/12/2021 and 28/02/2022, and settled by 31/05/2022. To be eligible to apply online you must be at least 18 years of age, a permanent resident of Australia, applying for yourself or as a married/defacto couple and buying an existing property or refinancing. Great Southern Bank may withdraw or amend this offer at any time without notice.

^ Comparison rate accurate for $150,000 secured loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.