Stamp duty catches a lot of buyers off guard; it’s one of the highest costs in a property purchase that isn’t part of the loan itself. This is the same estimate our brokers run with clients, built to give you a realistic number before you’re standing at settlement.
Our stamp duty calculator works out an estimate based on the property’s location, purchase price, and whether you’re a first home buyer, owner-occupier, or investor. Since stamp duty rates, thresholds, and concessions are set separately by each state and territory, the same purchase price can produce a different result depending on where you’re buying.
Enter your details and the calculator applies the relevant state rules to give you a realistic figure to plan around the same starting point our brokers use with clients. For an exact number, confirm with your state revenue office or a broker before settlement.
Questions people usually ask about stamp duty.
It’s a state government tax charged when you purchase property, calculated as a percentage of the purchase price (or the property’s market value, if higher).
Each state and territory sets its own rates, thresholds, and concessions so that the same property price can result in different stamp duty depending on location.
Often yes, most states offer a concession or full exemption for first home buyers up to a certain purchase price, though the exact thresholds vary and change over time.
In most states, the base rate is the same, but certain concessions (like first home buyer exemptions) generally don’t apply to investment purchases.
Often yes, though some states offer a concession or apply duty differently for off-the-plan purchases; it’s worth checking the specific rules in your state.
Typically at or shortly after settlement, though exact timing depends on your state’s requirements. It’s a cost to budget for upfront, since it’s not usually included in your loan.
Some lenders allow it to be capitalised into the loan amount, depending on your equity and borrowing capacity. It’s worth discussing with a broker rather than assuming it’s automatic.
We factor stamp duty into your overall settlement costs when working out your borrowing power and budget, so it’s accounted for from the start rather than a surprise at the end.
Knowing your stamp duty is just the start. Run a few more numbers below to see your full picture before you buy.
Know your stamp duty upfront, then chat with Credit Hub about your full settlement costs.
Credit Hub Australia
Join our dynamic team at Credit Hub Australia as a Finance/Mortgage Broker in our conveniently located Point Cook office, close to the freeway and train station, with free parking available.
In this role, you will be responsible for providing personalised mortgage solutions to our valued clients and also managing your colleagues by co-ordinating the allocation of files and general day to day running of the broker team. With a focus on delivering exceptional customer service, you will guide clients through the entire mortgage process, from initial application to final approval.
“Position is for Mortgage broker on commission/contract basis.”
Sales, cold calling, and networking come naturally to you. You thrive on engaging with prospective clients to understand their unique financial needs and goals.
You will act on leads and existing database as provided and generate sales and ongoing relations.
Actively participate in team meetings and contribute to the overall success of the business
You are an existing broker with proven experience in Mortgage Broking or lending abilities, or in a similar financial services role looking to take your career further with a successful Mortgage house.
In-depth knowledge of the Australian mortgage market, including products, policies, and regulatory requirements.
Excellent communication and interpersonal skills, with the ability to build lasting relationships and earn client trust.
A strong commitment to delivering outstanding customer service and consistently exceeding client expectations.
Self-motivated and capable of working independently, while also thriving in a collaborative team environment.
Relevant industry qualifications, such as a Certificate IV in Finance and Mortgage Broking.
Ability to manage multiple tasks, stay organized, and work reliably without supervision.
A results-driven mindset with a strong sales focus, coupled with exceptional work ethic, time management, and multitasking abilities.
At Credit Hub Australia, we are committed to providing our team with a supportive and rewarding work environment. Some of the key benefits of joining our team include:
Credit Hub Australia is a leading provider of mortgage and finance solutions, with a strong presence in the Point Cook in the Western Suburb of Melbourne and surrounding areas. Our mission is to empower our clients to achieve their financial goals by delivering personalised, expert advice and exceptional customer service. We are a dynamic and growing team, driven by a passion for helping our clients and making a positive impact on our local community. We are with Finsure as an agrregator Group.
If you’re ready to take the next step in your career as a Mortgage Broker, apply now to join our team at Credit Hub Australia.
