Stamp duty calculator

Calculate stamp duty and estimate the government fees and charges you may pay when buying a property.

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Stamp duty calculator

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$

Savings for a deposit

$0
  • Stamp duty
    $0.00
  • Estimated conveyancing
    $0.00
  • Mortgage discharge fee
    $0.00
  • Mortgage registration fee
    $0.00
  • Transfer fee
    $0.00

Deposit remaining

$0

Loan amount

$0
Minimum monthly repayments: $0/month
Repayments based on principal and interest repayments for 30 years at 6.14% p.a. variable rate and 6.05% comparison rate*. For new loans.

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Interest rate balance illustration

How are interest rates determined?

25 Nov 2025 | 4 minute read

In case you missed anything

We calculate your monthly home loan repayment by considering the following factors:

  • The total loan amount.
  • The estimated total interest charged over the loan term (until the loan settlement date).
  • A loyalty discount that increases every year (up to 30 years).

We divide that total amount by up the length of your loan term to determine your monthly repayment.

Please note that these calculations for home loans are based on our current advertised rate, and assume this rate continues for the life of the loan. Interest rates may change at any time.

You’ll be able to see:

  • An estimate of your minimum monthly principal and interest repayments by refinancing to Unloan.
  • What changes could occur if you make additional repayments.
  • An illustrative example of how much interest may be saved by refinancing to Unloan based on assumptions.
  • An example of how our annual loyalty discount may work over the life of your loan based on assumptions.

Stamp duty or transfer duty is a general tax imposed by the state government on the purchase or transfer of almost any real estate. This includes buying a home, land, or investment property. Since it’s determined by individual state and territory governments, the amount charged, and exemptions may vary. Learn more about stamp duty.

In addition to your deposit, there are other upfront costs associated with purchasing a home. These include stamp duty, legal and conveyancing fees, inspection costs and other fees. Learn more about the costs of buying a home.

These are mandatory fees that are involved when taking a new home loan. This includes a mortgage registration fee, a transfer fee, and transfer duty (also known as stamp duty). These fees are charged by the government to cover the cost of registering your mortgage and transferring the property title. Learn more about government fees.

General

Calculations are estimates provided as a guide only. They are calculated based on our current advertised variable rate, and assume this rate continues for the life of the loan. Interest rates may change at any time. Your actual repayments and savings will change if our variable reference rates change.

Should you take out a home loan with Unloan, discounts applied during the life of the loan will be applied to the relevant reference rate at that time.

Fees and charges are payable. The calculations do not take into account fees, charges or other amounts that may be charged to your loan (such as stamp duty or government fees). Any of these additional amounts may impact how much you can borrow and will increase repayments under the loan.

Calculations are not a loan approval. Applications are subject to credit approval, satisfactory security and minimum deposit requirements. Full terms and conditions will be set out in our loan offer, if an offer is made.

*Comparison rate is calculated on a $150,000 secured loan over a 25 year term. 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.

^Rate shown is for up to 80% LVR and principal and interest repayments. All rates are for new loans only and may differ for existing loans. Rates shown are inclusive of a 0.01% p.a. loyalty discount off our variable reference rate. On each anniversary of your loan’s settlement date, you will receive an additional discount of 0.01% per annum on your current variable rate, up to a maximum discount of 0.30% per annum in year 30. The loyalty discount is applied to your variable rate at the relevant time, and this rate may increase or decrease over your loan term. For more information view our rates and features.

Stamp duty calculator

The Upfront Costs are intended as a guide only and are an estimate based on the information you input. The calculations do not constitute an offer of credit or quote. Stamp duty exemptions/concessions may have been applied based on information provided. You should check with your solicitor, conveyancer or revenue office to confirm you are eligible. Upfront costs may be payable before, on or after settlement and some costs may be able to be financed. To find out more about your upfront costs you should speak to us. Other fees and charges may also apply.

Depending on the size of your deposit, security, applicant and loan attributes a higher interest rate may apply. Where this higher interest rate is shown is indicative only.