Buyer Tools

You’re not sure if you can afford to buy a home?

The tools below are a great place to start — Discover how much you could afford to borrow or if you’ve already found the property of your dreams, learn how much your repayments could be!

Not sure what you might be able to borrow? Fill out the form below to get an idea of what your weekly, bi-weekly or monthly payments could help you achieve:

In most cases, you can start looking at houses when you have around 5% of the property value as a deposit although it's generally the case that the larger your deposit, the more borrowing power you have.
Interest rates vary depending on a number of variables, although 4% should give you a general idea if you haven't selected one already.
The average loan term is approximately 25 years but your lender will have a range of options to suit you.

You’ve found the perfect property? Great! The form below will give you a general idea of how much your loan and repayments could be:

In most cases, you can start looking at houses when you have around 5% of the property value as a deposit although it's generally the case that the larger your deposit, the more borrowing power you have.
Interest rates vary depending on a number of variables, although 4% should give you a general idea if you haven't selected one already.
The average loan term is approximately 25 years but your lender will have a range of options to suit you.

Duty is payable within three months of a transfer occurring and is payable on the greater of the consideration paid or the unencumbered value of the property.

If a transaction was negotiated on the open market and at arms length, the consideration (including GST) is accepted as reflecting the unencumbered value of the property and is used to determine the duty payable.

For all other transactions, it is highly recommended that you discuss any duty liabilities with your representative (solicitor/conveyancer) or contact the State Revenue Office on 03 6166 4400 or by e-mail.

To calculate the duty liability on a transfer of property, enter the consideration paid or the unencumbered value in the calculator (including GST).

Please Note:

1. Each time you change the ‘Date of Transfer’ selection or the amount entered in the ‘Value’ box you need to click ‘Calculate’ to recalculate the amount of duty owed.

2. Clicking ‘Reset’ will clear the amounts in the ‘Value’ and ‘Duty Owed’ boxes

Transfer of Dutiable Property

Select the Date of Transfer
Before 1 October 2012
From 1 October 2012 up to and incl. 20 October 2013
From 21 October 2013
Enter value of dutiable property or consideration ($) paid
Duty Owed