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Frequently asked questions
How is NSW stamp duty calculated?
Duty is calculated using tiered brackets on the purchase price, with concessions or surcharges applied based on eligibility.
Do I qualify for FHB concessions?
Eligibility depends on price thresholds, residency, and occupancy criteria. Check current Revenue NSW rules.
What is the foreign buyer surcharge?
An additional percentage for foreign purchasers on top of standard duty; rates and scope are set by the state.
Where can I estimate my duty today?
Use the NSW Stamp Duty Calculator for an instant estimate: /calc/stamp-duty/nsw.
Can stamp duty be added to my home loan?
Stamp duty is typically paid upfront at or before settlement. Some lenders may have limited options, but capitalising duty is generally uncommon.
Do off‑the‑plan purchases change duty timing or value?
Off‑the‑plan contracts can affect dutiable value and timing; check current Revenue NSW guidance and your contract details.
RealEstateCalc Editorial
Property & Finance ResearchThe RealEstateCalc editorial team researches and writes about Australian property, finance, and tax topics. All content is fact-checked against official sources including the ATO, state revenue offices, ASIC Moneysmart, and the RBA.
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