Same price, two paths
Two paths, one price
Flip a flag on either side and watch the gap move.
Path B needs more cash at settlement
$30,187
Stamp duty on Path B is $30,187 more than Path A. Same price, different buyer flags. Not credit advice.
Path A
$160,374
Funds to complete
- Stamp duty
- $0
- Deposit
- $160,000
- Loan · LVR 80%
- $640,000
- LMI
- Not typically
NSW FHB full exemption (≤ $800k)
Path B
$190,561
Funds to complete
- Stamp duty
- $30,187
- Deposit
- $160,000
- Loan · LVR 80%
- $640,000
- LMI
- Not typically
Path A price lines in NSW
Exactly on the FHB exemption cut-off ($800k). $200,000 of room before the FHB concession cut-off ($1m).
Further up: the Premium duty line ($3.87m).
Path B price lines in NSW
$3,070,000 of room before the Premium duty line ($3.87m).
Independent estimate, not a government site. Verify before you exchange. How it works.
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
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.