Same price, two paths
Default is NSW first-home owner-occupier versus an investor on the same $800k. Change flags — do not open ten suburb URLs.
Last reviewed 2026-08-21
Independent toolkit — not government
DutyStack is an independent product operated by Harbour Lending (Australia). It is not a government website, not affiliated with any state revenue office, and not a substitute for a conveyancer, licensed broker, or credit licensee. Stamp duty rates, concessions, grants and scheme rules change — always verify figures with the official source before you exchange or settle.
Last reviewed 2026-08-21 · Harbour Lending editorial
Path B duty is $30,187 more than Path A. Funds-to-complete difference: $30,187 more cash. Same price — different buyer flags. Not credit advice.
Path A
- Stamp duty
- $0
- Funds to complete
- $160,374
- Loan $640,000 · LVR 80%
- No LMI typically
NSW FHB full exemption (≤ $800k)
Path B
- Stamp duty
- $30,187
- Funds to complete
- $190,561
- Loan $640,000 · LVR 80%
- No LMI typically
Need the full worksheet, repayments and LMI? Open the calculator. Terms: glossary.
Official sources
Use these sites to confirm duty, grants and scheme eligibility for your contract. DutyStack models common residential paths for education; the revenue office assessment wins.
- NSW — Revenue NSW
- VIC — State Revenue Office Victoria
- QLD — Queensland Revenue Office
- WA — Department of Finance (RevenueWA)
- SA — RevenueSA
- TAS — State Revenue Office Tasmania
- ACT — ACT Revenue Office
- NT — Territory Revenue Office
- Home Guarantee Scheme — Housing Australia
Methodology: How it works. Corrections: Contact.
Who operates DutyStack
DutyStack (dutystack.com.au) is operated by Harbour Lending, Australia. Contact: hello@dutystack.com.au. Editorial review: Harbour Lending editorial, 2026-08-21.
Harbour Lending is not a bank and does not provide regulated credit assistance through this free consumer site. Broker embed accounts are a separate commercial product — see pricing.