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Buyer guides
Original DutyStack explainers for Australian purchases — written to sit beside the calculator, not replace your conveyancer or broker. Estimates only; not credit advice.
Stamp duty in Australia: how buyers should think about it
Plain-English guide to transfer duty, brackets, concessions, and why every state prices the same purchase differently.
Updated 23 July 2026
Funds to complete: the cash you need beyond the loan
Deposit, stamp duty, fees, grants, and LMI — how settlement cash actually stacks for Australian buyers.
Updated 23 July 2026
First home buyer stamp duty and grants: what usually matters
How FHB concessions, living-in rules, price caps, and FHOG interact — and where buyers commonly mis-tick the form.
Updated 23 July 2026
LMI and LVR: what high-LVR buyers are actually paying for
Loan-to-value ratio, lenders mortgage insurance, capitalisation, and how the 5% Deposit Scheme changes the conversation.
Updated 23 July 2026
Australia’s 5% Deposit Scheme: eligibility in practice
Owner-occupier rules, price caps, and why investment and non-FHB purchases do not use this path.
Updated 23 July 2026
Queensland stamp duty: home concession vs investment rates
Why QLD purpose changes duty, how FHB concessions need Live in it, and what established vs new can mean for grants.
Updated 23 July 2026