Calculators · Xandii
Stamp duty and purchase costs calculator
Estimate stamp duty (the state or territory government tax on a property purchase), registration fees and other upfront costs. Looking for repayments, refinance savings or offset savings? They are on the calculators page.
Upfront costs, itemised
Edit the estimates to match your own quotes. Rows marked EST are estimates, not fixed charges.
Government
A discharge of mortgage is the fee to remove an existing home loan from the title, common when you sell to buy or refinance. We assume one; remove it if you have no loan to close out.
Conveyancing
Lender fees
Application, valuation and settlement fees vary by lender and loan, so we start at $0. A Xandii broker can confirm what your lender charges.
How this is calculated
Stamp (transfer) duty comes from New South Wales's published duty scale for your purchase price and how you'll use the property.
We add the land titles office charges (land transfer registration, mortgage registration, and one discharge of mortgage unless you remove it), plus editable estimates for conveyancing, lender fees and anything you add yourself.
Figures are indicative for the standard residential case and assume you meet the eligibility for any concession or grant shown. A broker confirms your exact costs.
Indicative estimate based on what you entered, not a quote or an offer of finance. Stamp duty (transfer duty) is the state tax on buying property. Covers the standard residential case only. It does not include off-the-plan reductions, or pensioner, seniors or other concessions we don't model. Duty figures from New South Wales's revenue office, effective 2026-07-01.
What the estimate includes
Stamp duty, also called transfer duty, is charged by the state or territory where you buy. The estimate uses the purchase price, property location and type, how you will use the property, and whether you are a first home buyer or foreign buyer.
The calculator adds land transfer and mortgage registration fees, plus one mortgage discharge fee by default. Remove the discharge fee if you have no existing home loan to close out. You can edit the estimates for conveyancing and lender fees, and add other purchase costs.
Any first home buyer concession or grant shown depends on meeting its eligibility rules. Rates and schemes can change, and some concessions are not modelled, so use the result as an indicative guide and confirm the current amounts before relying on them.
Disclaimer and Important Information
The estimated results provided by this calculation are for illustrative and indicative purposes only and not an offer of finance. This calculation does not constitute a loan offer or a guarantee of loan approval. Actual calculation varies between lenders, and each financial institution uses its own credit assessment criteria, credit policies and serviceability buffers. The estimated amount and/or calculation is based strictly on the accuracy of the information you provide (e.g. income, expenses, and liabilities). It is subject to verification of your financial situation, credit history, and a satisfactory property valuation. Calculation has been prepared without considering your objectives, financial situation or needs. Recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders credit assessment with terms and conditions, fees and charges and eligibility criteria apply.
Credit assistance is provided by Xandii Home Loans Pty Ltd (ABN 35 699 885 802). Credit Representative 580187 is authorised under Australian Credit Licence 389328. Calculator results are indicative estimates based on what you enter, not quotes or offers of finance.