A stamp duty estimator calculates the transfer duty payable on a property purchase based on the price, property type and your buyer status. This calculator uses Queensland's current duty rates and first home buyer concessions, so it's accurate for planning purposes, but your solicitor or conveyancer will confirm the exact figure before settlement.
Explore home loan optionsQueensland calculates stamp duty on a sliding scale based on the property's purchase price, with the rate increasing in bands from 1.5% up to 5.75% for properties over $1,000,000. Owner-occupiers get a lower rate than investors under the Home Concession, and the calculation changes further if you qualify as a first home buyer.
See first home buyer supportFirst home buyers in Queensland can access a full stamp duty exemption on new homes and vacant land up to $800,000 under the First Home Concession. For established homes, a sliding-scale concession applies and phases out between $700,000 and $800,000, so buyers above that threshold pay closer to the standard rate.
Check your first home buyer optionsYes. Queensland applies a lower Home Concession rate to properties you'll live in, while investment properties are charged at the standard transfer duty rate. On a $700,000 property this difference can be several thousand dollars, so it's worth confirming your occupancy status before budgeting for a purchase.
Explore investment loan optionsStamp duty in Queensland is generally payable within 30 days of settlement. Your solicitor or conveyancer typically arranges for it to be paid directly from your settlement funds, so it rarely needs to be handled separately.
Book a free consultationMost lenders don't allow stamp duty to be capitalised into the loan amount, so it's usually paid from savings or your deposit alongside other settlement costs. Some first home buyer schemes reduce or remove this cost entirely, which is worth checking before you budget your total upfront costs.
Check your borrowing powerVacant land and new homes are eligible for the same first home buyer exemptions as established homes in Queensland, up to the same $800,000 threshold. Outside of first home buyer concessions, vacant land and new builds are taxed at the same standard transfer duty rate as any other property.
Explore construction loan optionsNo. Stamp duty is a one-off cost paid when you purchase or transfer ownership of a property, not each time you refinance. The main costs on a refinance are typically discharge and establishment fees from your lenders, rather than duty.
See refinancing optionsBC
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Andrew Santoro
James recently assisted my partner and me with the purchase of our first home together. His professionalism, expertise, and guidance made the entire process seamless and stress-free. He was always approachable and willing to answer any questions we had along the way. We have no hesitation in recommending James to our friends and family and are grateful for the exceptional service he provided.
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Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We 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.
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