NSW stamp duty
First Home Buyer Stamp Duty — NSW
First home buyers in NSW may be eligible for stamp duty exemptions or concessions. Based on a $750,000 owner-occupied purchase, estimated stamp duty is $0. With a 20% deposit, funds to complete are about $150,374 (deposit + duty + fees).
Estimate at median price
- Property value
- $750,000
- Deposit (20%)
- $150,000
- Stamp duty
- $0
- Government fees
- $374
- Funds to complete (20%)
- $150,374
- At 10% deposit
- $75,374 · LMI typically applies
NSW FHB full exemption (≤ $800k)
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Funds to complete
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- Deposit (20%)
- $150,000
- Stamp duty
- $0
- Government fees
- $374
- Funds to complete
- $150,374
- Loan $600,000 · LVR 80%
- No LMI typically
NSW FHB full exemption (≤ $800k)
LVR ≤ 80% — LMI not typically required.
Estimate only. Verify stamp duty with the relevant state revenue office. LMI premiums are lender-specific and not included in cash funds to complete (usually capitalised). 5% Deposit Scheme eligibility must be confirmed with a participating lender and Housing Australia postcode caps.
Estimate only. Verify stamp duty with the relevant state revenue office. LMI premiums are lender-specific and not included in cash funds to complete (usually capitalised). 5% Deposit Scheme eligibility must be confirmed with a participating lender and Housing Australia postcode caps.
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