The lot · 02
How much could upfront costs be?
Transfer duty, titles fees, and a conveyancing allowance for every state and territory. First-home concessions apply where they still exist. Guide only — confirm with the revenue office.
Upfront costs
$22,425
- Stamp duty
- $20,140.00
- Transfer fee
- $335.10
- Mortgage registration
- $225.10
- Mortgage discharge
- $225.10
- Estimated conveyancing
- $1,500.00
Minimum repayment is principal and interest over 30 years at 5.89% p.a. — the same variable used on the repayment desk. Discharge is included if you already have a mortgage to clear.
Estimates as at August 2026. Duty uses published state and territory rates, including current first-home concessions. Tasmania’s first-home exemption ended 30 June 2026. Foreign-purchaser surcharges, off-the-plan discounts, and vacant-land scales are not modelled. Conveyancing is a $1,500 allowance, not a quote. Confirm with the revenue office and your solicitor. Not a loan offer.