Deal desk

Worked scenarios

Each page forces a real purchase decision, then shows DutyStack engine numbers for both sides. Estimates only — rate table 2026-07-ftc. Not credit advice.

• QLD $700k first home: Live in it vs Investment

  Same price, same FHB tick — purpose alone can turn a $0 duty path into full standard duty in Queensland.

  Duty $0 vs $24,525 · Δ +$24,525 · Cash $140,462 vs $164,987

• NSW $850k FHB: 5% Scheme vs 10% deposit + LMI

  Same purchase, two funding paths — settlement cash drops on 5%, but only if Live in it + FHB + price cap all clear.

  Duty $9,853 vs $9,853 · Cash $52,727 vs $95,227

• VIC first home: $600k vs $750k — why the tick is not enough

  Victoria FHB outcomes move with price and eligibility. Run two prices so you see duty and cash before you stretch the offer.

  Duty $0 vs $40,070 · Δ +$40,070 · Cash $121,633 vs $191,703

• Same $900k NSW purchase: 20% vs 10% deposit cash

  Lower deposit frees savings for duty — or it traps you in LMI. See both stacks on one page.

  Duty $34,912 vs $34,912 · Cash $215,286 vs $125,286