Home Planning Tools
Mortgage & NSW Stamp Duty Calculator
Estimate loan repayments, NSW transfer duty at the 2026/27 rates, first home buyer exemptions and concessions, and the cash needed upfront.
1. Property & Buyer Details
NSW 2563 Context2. Deposit & Loan Amount
3. Interest Rate & Repayment Terms
Amortisation SettingsEnter the rate your lender has quoted. The starting figure is an example, not a market rate.
4. Offset Account & Extra Repayments Simulator
This model assumes a 100% offset account with a constant balance, constant interest rate and monthly repayments. It approximates interest monthly and excludes offset fees.
Annual Amortisation Schedule
Year-by-year balance reduction, principal repayment and interest breakdown.
| Year | Opening Balance | Annual Repayments | Principal Paid | Interest Paid | Closing Balance | Equity % |
|---|
Official NSW Transfer Duty & FHBAS Statutory Rates
1. Standard Residential Transfer Duty
Revenue NSW's thresholds for 2026/27 (section 32 of the Duties Act 1997, indexed each 1 July):
| Dutiable Value | Transfer Duty Rate |
|---|---|
| $0 – $18,000 | $1.25 per $100 (minimum $20) |
| $18,001 – $38,000 | $225 + $1.50 per $100 over $18,000 |
| $38,001 – $103,000 | $525 + $1.75 per $100 over $38,000 |
| $103,001 – $387,000 | $1,662 + $3.50 per $100 over $103,000 |
| $387,001 – $1,290,000 | $11,602 + $4.50 per $100 over $387,000 |
| $1,290,001 – $3,870,000 | $52,237 + $5.50 per $100 over $1,290,000 |
| Over $3,870,000 (residential) | $194,137 + $7.00 per $100 over $3,870,000 (premium duty) |
2. First Home Buyers Assistance Scheme (FHBAS)
For contracts exchanged on or after 1 July 2023:
- New and existing homes: no duty at $800,000 or less. Above $800,000 and under $1,000,000, duty is the standard duty less (($1,000,000 − value) ÷ $200,000) × the standard duty on $800,000. No concession at $1,000,000 or more.
- Vacant land: no duty at $350,000 or less. Above $350,000 and under $450,000, duty is the standard duty less (($450,000 − value) ÷ $100,000) × the standard duty on $350,000. No concession at $450,000 or more.
- First Home Owner (New Homes) Grant: $10,000 for a new home bought for $600,000 or less, or $750,000 or less for land plus a contract to build. This calculator applies the $600,000 cap to a completed new home; land-and-build grants are not calculated here. Check the combined land, build and variation costs with Revenue NSW.
- Residence requirement: Purchasers must occupy the home as their principal place of residence for at least 12 continuous months, starting within 12 months of settlement.
3. Off-The-Plan & Land Contract Trap
Revenue NSW does not allow the off-the-plan duty deferral on a contract for vacant land alone, even if you plan to build later. Transfer duty is payable within 3 months of exchange, or by settlement if earlier. Budget for it at exchange, not settlement. The details are in the protections you have when you build.