{
  "schemaVersion": "1.0",
  "datasetVersion": "f185ac7f7081",
  "referenceUrl": "https://raynorlendingsolutions.com.au/lending-reference/",
  "publisher": {
    "name": "Raynor Lending Solutions",
    "url": "https://raynorlendingsolutions.com.au/",
    "author": "Jai Raynor",
    "authorRole": "Principal Broker",
    "authorUrl": "https://raynorlendingsolutions.com.au/about.html"
  },
  "amountUnit": "AUD",
  "disclaimer": "General information only, not personal financial or credit advice. Figures are calculated from published state and territory rules for the scenarios shown. They do not confirm eligibility for any concession or scheme, assess borrowing capacity or replace a quote from a conveyancer or the relevant revenue office.",
  "method": "Every figure is calculated by the same engine and rules data that run the Cost to Complete calculator on this site. Each rule records its official source and the date it was checked. Worked examples show each line with the engine's own explanation, and examples marked as matching an official example reproduce a revenue office's published calculation.",
  "excludes": [
    "Foreign purchaser surcharge duty and land tax.",
    "Off-the-plan, pensioner, senior and other special concessions not listed on each state page.",
    "First home owner grants and other cash grants, which are paid separately and do not reduce duty.",
    "Eligibility conditions such as residence periods, citizenship, prior ownership and income tests. The first home figures assume every condition is met.",
    "Conveyancing, lender, inspection and insurance costs."
  ],
  "reuse": "Free to quote. Please link to the page the figures came from.",
  "buyerTypes": [
    {
      "id": "investor",
      "label": "Investor",
      "description": "Buying an established property to rent out. General transfer duty rates, no home or first home concessions."
    },
    {
      "id": "home",
      "label": "Home buyer",
      "description": "Buying an established home to live in, not a first home buyer. Includes any owner-occupier concession the state offers."
    },
    {
      "id": "first-home-established",
      "label": "First home buyer, established home",
      "description": "An eligible first home buyer buying an established home to live in."
    },
    {
      "id": "first-home-new",
      "label": "First home buyer, new home",
      "description": "An eligible first home buyer buying a brand-new home to live in."
    }
  ],
  "state": {
    "code": "ACT",
    "name": "Australian Capital Territory",
    "url": "https://raynorlendingsolutions.com.au/lending-reference/stamp-duty-act.html",
    "dataUrl": "https://raynorlendingsolutions.com.au/lending-reference/act.json",
    "grantsPageUrl": "https://raynorlendingsolutions.com.au/grants-act.html",
    "slug": "act",
    "rulesCheckedAt": "2026-07-12",
    "recheckedAt": "2026-09-26",
    "transferDuty": {
      "effectiveFrom": "2025-07-01",
      "source": "https://www.revenue.act.gov.au/rates-and-property-charges/conveyance-duty-stamp-duty/conveyance-duty-for-non-commercial-property",
      "checkedAt": "2026-07-12",
      "status": "verified",
      "minimumDuty": null,
      "rows": [
        {
          "from": 0,
          "fromInclusive": true,
          "to": 200000,
          "toInclusive": true,
          "range": "Up to $200,000",
          "rule": "$1.20 per $100 or part of $100"
        },
        {
          "from": 200000,
          "fromInclusive": false,
          "to": 300000,
          "toInclusive": true,
          "range": "Over $200,000 up to $300,000",
          "rule": "$2,400 plus $2.20 per $100 or part of $100 over $200,000"
        },
        {
          "from": 300000,
          "fromInclusive": false,
          "to": 500000,
          "toInclusive": true,
          "range": "Over $300,000 up to $500,000",
          "rule": "$4,600 plus $3.40 per $100 or part of $100 over $300,000"
        },
        {
          "from": 500000,
          "fromInclusive": false,
          "to": 750000,
          "toInclusive": true,
          "range": "Over $500,000 up to $750,000",
          "rule": "$11,400 plus $4.32 per $100 or part of $100 over $500,000"
        },
        {
          "from": 750000,
          "fromInclusive": false,
          "to": 1000000,
          "toInclusive": true,
          "range": "Over $750,000 up to $1,000,000",
          "rule": "$22,200 plus $5.90 per $100 or part of $100 over $750,000"
        },
        {
          "from": 1000000,
          "fromInclusive": false,
          "to": 1455000,
          "toInclusive": true,
          "range": "Over $1,000,000 up to $1,455,000",
          "rule": "$36,950 plus $6.40 per $100 or part of $100 over $1,000,000"
        },
        {
          "from": 1455000,
          "fromInclusive": false,
          "to": null,
          "toInclusive": null,
          "range": "Over $1,455,000",
          "rule": "$4.54 per $100 or part of $100 of the full dutiable value"
        }
      ]
    },
    "homeConcession": {
      "label": "Eligible owner-occupier rate",
      "summary": "The ACT charges lower conveyance duty on eligible owner-occupier transactions. At least one buyer must live in the home for a continuous period of at least one year, starting within a year of settlement. Vacant-land treatment shown here assumes an eligible owner-occupier purchase.",
      "appliesTo": [
        "established",
        "new",
        "vacant-land"
      ],
      "effectiveFrom": "2025-07-01",
      "source": "https://www.revenue.act.gov.au/rates-and-property-charges/conveyance-duty-stamp-duty/conveyance-duty-for-non-commercial-property",
      "checkedAt": "2026-07-12",
      "status": "verified",
      "rows": [
        {
          "from": 0,
          "fromInclusive": true,
          "to": 260000,
          "toInclusive": true,
          "range": "Up to $260,000",
          "rule": "$0.28 per $100 or part of $100"
        },
        {
          "from": 260000,
          "fromInclusive": false,
          "to": 300000,
          "toInclusive": true,
          "range": "Over $260,000 up to $300,000",
          "rule": "$728 plus $2.20 per $100 or part of $100 over $260,000"
        },
        {
          "from": 300000,
          "fromInclusive": false,
          "to": 500000,
          "toInclusive": true,
          "range": "Over $300,000 up to $500,000",
          "rule": "$1,608 plus $3.40 per $100 or part of $100 over $300,000"
        },
        {
          "from": 500000,
          "fromInclusive": false,
          "to": 750000,
          "toInclusive": true,
          "range": "Over $500,000 up to $750,000",
          "rule": "$8,408 plus $4.32 per $100 or part of $100 over $500,000"
        },
        {
          "from": 750000,
          "fromInclusive": false,
          "to": 1000000,
          "toInclusive": true,
          "range": "Over $750,000 up to $1,000,000",
          "rule": "$19,208 plus $5.90 per $100 or part of $100 over $750,000"
        },
        {
          "from": 1000000,
          "fromInclusive": false,
          "to": 1455000,
          "toInclusive": true,
          "range": "Over $1,000,000 up to $1,455,000",
          "rule": "$33,958 plus $6.40 per $100 or part of $100 over $1,000,000"
        },
        {
          "from": 1455000,
          "fromInclusive": false,
          "to": null,
          "toInclusive": null,
          "range": "Over $1,455,000",
          "rule": "$4.54 per $100 or part of $100 of the full dutiable value"
        }
      ]
    },
    "firstHome": {
      "label": "Home Buyer Concession Scheme",
      "summary": "From 1 July 2026 the ACT charges no conveyance duty under the Home Buyer Concession Scheme: no income test, no property value cap. All buyers and their partners must not have owned property in the last 5 years, and at least one buyer must live in the home for at least 12 months.",
      "thresholds": [
        {
          "propertyType": "established",
          "fullExemptionUpTo": null,
          "concessionEndsAt": null,
          "note": "No duty, no value cap",
          "propertyTypeLabel": "established home"
        },
        {
          "propertyType": "new",
          "fullExemptionUpTo": null,
          "concessionEndsAt": null,
          "note": "No duty, no value cap",
          "propertyTypeLabel": "new home"
        },
        {
          "propertyType": "vacant-land",
          "fullExemptionUpTo": null,
          "concessionEndsAt": null,
          "note": "No duty, no value cap",
          "propertyTypeLabel": "vacant land"
        }
      ],
      "notes": [],
      "effectiveFrom": "2026-07-01",
      "source": "https://www.revenue.act.gov.au/about-the-act-revenue-office/news/act-budget-2026-27-updates; https://www.revenue.act.gov.au/home-buyer-assistance/home-buyer-concession-scheme/about-the-home-buyer-concession-scheme",
      "checkedAt": "2026-07-12",
      "status": "verified"
    },
    "registryFees": {
      "mortgageRegistrationFee": 184,
      "effectiveFrom": "2026-07-01",
      "source": "https://www.accesscanberra.act.gov.au/building-and-property/land-title-lodgement-registration-and-search-forms-related-fees",
      "checkedAt": "2026-07-12",
      "status": "verified"
    },
    "priceCaps": {
      "fivePercentDepositScheme": {
        "capitalAndRegionalCentres": 1000000,
        "restOfState": 1000000,
        "source": "https://firsthomebuyers.gov.au/australian-government-5-percent-deposit-scheme/property-price-caps",
        "checkedAt": "2026-07-12"
      },
      "helpToBuy": {
        "capitalAndRegionalCentres": 1000000,
        "restOfState": null,
        "source": "https://firsthomebuyers.gov.au/help-buy-tools-and-resources/help-buy-property-price-caps",
        "checkedAt": "2026-07-10"
      }
    },
    "otherRules": [
      {
        "id": "act-newly-unit-titled-exemption",
        "text": "From 1 July 2026 the ACT also exempts qualifying newly built units bought directly from the developer within two years of the unit plan being registered. That exemption isn't reflected in these figures.",
        "source": "https://www.revenue.act.gov.au/home-buyer-assistance/newly-unit-titled-duty-exemption"
      },
      {
        "id": "act-home-buyer-concession-returning-buyers",
        "text": "The ACT Home Buyer Concession Scheme isn't limited to first home buyers. A buyer who has owned property before also qualifies if neither they nor their partner has owned property in the last five years, and pays the first home figures shown here.",
        "source": "https://www.revenue.act.gov.au/home-buyer-assistance/home-buyer-concession-scheme/about-the-home-buyer-concession-scheme"
      }
    ],
    "dutyAtCommonPrices": [
      {
        "price": 300000,
        "results": {
          "investor": {
            "transferDuty": 4600,
            "firstHomeConcession": 0,
            "dutyPayable": 4600,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 1608,
            "firstHomeConcession": 0,
            "dutyPayable": 1608,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-established": {
            "transferDuty": 1608,
            "firstHomeConcession": 1608,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-new": {
            "transferDuty": 1608,
            "firstHomeConcession": 1608,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          }
        }
      },
      {
        "price": 350000,
        "results": {
          "investor": {
            "transferDuty": 6300,
            "firstHomeConcession": 0,
            "dutyPayable": 6300,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 3308,
            "firstHomeConcession": 0,
            "dutyPayable": 3308,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-established": {
            "transferDuty": 3308,
            "firstHomeConcession": 3308,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-new": {
            "transferDuty": 3308,
            "firstHomeConcession": 3308,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          }
        }
      },
      {
        "price": 400000,
        "results": {
          "investor": {
            "transferDuty": 8000,
            "firstHomeConcession": 0,
            "dutyPayable": 8000,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 5008,
            "firstHomeConcession": 0,
            "dutyPayable": 5008,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-established": {
            "transferDuty": 5008,
            "firstHomeConcession": 5008,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-new": {
            "transferDuty": 5008,
            "firstHomeConcession": 5008,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          }
        }
      },
      {
        "price": 450000,
        "results": {
          "investor": {
            "transferDuty": 9700,
            "firstHomeConcession": 0,
            "dutyPayable": 9700,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 6708,
            "firstHomeConcession": 0,
            "dutyPayable": 6708,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-established": {
            "transferDuty": 6708,
            "firstHomeConcession": 6708,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-new": {
            "transferDuty": 6708,
            "firstHomeConcession": 6708,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          }
        }
      },
      {
        "price": 500000,
        "results": {
          "investor": {
            "transferDuty": 11400,
            "firstHomeConcession": 0,
            "dutyPayable": 11400,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 8408,
            "firstHomeConcession": 0,
            "dutyPayable": 8408,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-established": {
            "transferDuty": 8408,
            "firstHomeConcession": 8408,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-new": {
            "transferDuty": 8408,
            "firstHomeConcession": 8408,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          }
        }
      },
      {
        "price": 550000,
        "results": {
          "investor": {
            "transferDuty": 13560,
            "firstHomeConcession": 0,
            "dutyPayable": 13560,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 10568,
            "firstHomeConcession": 0,
            "dutyPayable": 10568,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-established": {
            "transferDuty": 10568,
            "firstHomeConcession": 10568,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-new": {
            "transferDuty": 10568,
            "firstHomeConcession": 10568,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          }
        }
      },
      {
        "price": 600000,
        "results": {
          "investor": {
            "transferDuty": 15720,
            "firstHomeConcession": 0,
            "dutyPayable": 15720,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 12728,
            "firstHomeConcession": 0,
            "dutyPayable": 12728,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-established": {
            "transferDuty": 12728,
            "firstHomeConcession": 12728,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-new": {
            "transferDuty": 12728,
            "firstHomeConcession": 12728,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          }
        }
      },
      {
        "price": 650000,
        "results": {
          "investor": {
            "transferDuty": 17880,
            "firstHomeConcession": 0,
            "dutyPayable": 17880,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 14888,
            "firstHomeConcession": 0,
            "dutyPayable": 14888,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-established": {
            "transferDuty": 14888,
            "firstHomeConcession": 14888,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-new": {
            "transferDuty": 14888,
            "firstHomeConcession": 14888,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          }
        }
      },
      {
        "price": 700000,
        "results": {
          "investor": {
            "transferDuty": 20040,
            "firstHomeConcession": 0,
            "dutyPayable": 20040,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 17048,
            "firstHomeConcession": 0,
            "dutyPayable": 17048,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-established": {
            "transferDuty": 17048,
            "firstHomeConcession": 17048,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-new": {
            "transferDuty": 17048,
            "firstHomeConcession": 17048,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          }
        }
      },
      {
        "price": 750000,
        "results": {
          "investor": {
            "transferDuty": 22200,
            "firstHomeConcession": 0,
            "dutyPayable": 22200,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 19208,
            "firstHomeConcession": 0,
            "dutyPayable": 19208,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-established": {
            "transferDuty": 19208,
            "firstHomeConcession": 19208,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-new": {
            "transferDuty": 19208,
            "firstHomeConcession": 19208,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          }
        }
      },
      {
        "price": 800000,
        "results": {
          "investor": {
            "transferDuty": 25150,
            "firstHomeConcession": 0,
            "dutyPayable": 25150,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 22158,
            "firstHomeConcession": 0,
            "dutyPayable": 22158,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-established": {
            "transferDuty": 22158,
            "firstHomeConcession": 22158,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-new": {
            "transferDuty": 22158,
            "firstHomeConcession": 22158,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          }
        }
      },
      {
        "price": 850000,
        "results": {
          "investor": {
            "transferDuty": 28100,
            "firstHomeConcession": 0,
            "dutyPayable": 28100,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 25108,
            "firstHomeConcession": 0,
            "dutyPayable": 25108,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-established": {
            "transferDuty": 25108,
            "firstHomeConcession": 25108,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-new": {
            "transferDuty": 25108,
            "firstHomeConcession": 25108,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          }
        }
      },
      {
        "price": 900000,
        "results": {
          "investor": {
            "transferDuty": 31050,
            "firstHomeConcession": 0,
            "dutyPayable": 31050,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 28058,
            "firstHomeConcession": 0,
            "dutyPayable": 28058,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-established": {
            "transferDuty": 28058,
            "firstHomeConcession": 28058,
            "dutyPayable": 0,
            "transferRegistrationFee": 496,
            "mortgageRegistrationFee": 184,
            "rateBasis": "Transfer duty (home concession rate)"
          },
          "first-home-new": {
            "transferDuty": 28058,
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          }
        }
      },
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          }
        }
      },
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          }
        }
      },
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        }
      },
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        }
      }
    ],
    "workedExamples": [
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        "id": "fhb-established-700k",
        "title": "$700,000 established home, first home buyer",
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        "propertyType": "established",
        "purpose": "owner-occupied",
        "firstHomeBuyer": true,
        "lines": [
          {
            "id": "transfer-duty",
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            "source": "https://www.revenue.act.gov.au/rates-and-property-charges/conveyance-duty-stamp-duty/conveyance-duty-for-non-commercial-property"
          },
          {
            "id": "first-home-concession",
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            "source": "https://www.revenue.act.gov.au/about-the-act-revenue-office/news/act-budget-2026-27-updates; https://www.revenue.act.gov.au/home-buyer-assistance/home-buyer-concession-scheme/about-the-home-buyer-concession-scheme"
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          {
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          },
          {
            "id": "transfer-registration",
            "label": "Transfer registration fee",
            "amount": 496,
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          }
        ],
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        "crossCheck": {
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          "source": "https://www.revenue.act.gov.au/about-the-act-revenue-office/news/act-budget-2026-27-updates;",
          "checkedAt": "2026-07-12"
        }
      },
      {
        "id": "fhb-vacant-land-450k",
        "title": "$450,000 vacant land, first home buyer",
        "price": 450000,
        "propertyType": "vacant-land",
        "purpose": "owner-occupied",
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            "id": "transfer-duty",
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            "source": "https://www.revenue.act.gov.au/rates-and-property-charges/conveyance-duty-stamp-duty/conveyance-duty-for-non-commercial-property"
          },
          {
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          },
          {
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          }
        ],
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          "source": "https://www.revenue.act.gov.au/about-the-act-revenue-office/news/act-budget-2026-27-updates;",
          "checkedAt": "2026-07-12"
        }
      },
      {
        "id": "investor-established-700k",
        "title": "$700,000 established home, investor",
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        "propertyType": "established",
        "purpose": "investment",
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            "id": "transfer-duty",
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            "source": "https://www.revenue.act.gov.au/rates-and-property-charges/conveyance-duty-stamp-duty/conveyance-duty-for-non-commercial-property"
          },
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            "source": "https://www.accesscanberra.act.gov.au/building-and-property/land-title-lodgement-registration-and-search-forms-related-fees"
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        ],
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          "status": "not-yet-cross-checked",
          "source": "https://www.revenue.act.gov.au/rates-and-property-charges/conveyance-duty-stamp-duty/conveyance-duty-for-non-commercial-property;",
          "checkedAt": "2026-07-12"
        }
      },
      {
        "id": "oo-established-1600k",
        "title": "$1,600,000 established home, home buyer, not a first home buyer",
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        "purpose": "owner-occupied",
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        "lines": [
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            "source": "https://www.revenue.act.gov.au/rates-and-property-charges/conveyance-duty-stamp-duty/conveyance-duty-for-non-commercial-property"
          },
          {
            "id": "mortgage-registration",
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          {
            "id": "transfer-registration",
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        ],
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          "checkedAt": "2026-07-12"
        }
      },
      {
        "id": "oo-established-700k",
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        "purpose": "owner-occupied",
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            "id": "transfer-duty",
            "label": "Transfer duty (home concession rate)",
            "amount": 17048,
            "basis": "The ACT charges lower conveyance duty on eligible owner-occupier transactions. At least one buyer must live in the home for a continuous period of at least one year, starting within a year of settlement. Vacant-land treatment shown here assumes an eligible owner-occupier purchase. Calculated on a dutiable value of $700,000.00.",
            "source": "https://www.revenue.act.gov.au/rates-and-property-charges/conveyance-duty-stamp-duty/conveyance-duty-for-non-commercial-property"
          },
          {
            "id": "mortgage-registration",
            "label": "Mortgage registration fee",
            "amount": 184,
            "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
            "source": "https://www.accesscanberra.act.gov.au/building-and-property/land-title-lodgement-registration-and-search-forms-related-fees"
          },
          {
            "id": "transfer-registration",
            "label": "Transfer registration fee",
            "amount": 496,
            "basis": "Land registry fee to register the transfer: $496.00 base plus $0.00 per $100,000.00 (or part) above $0.00.",
            "source": "https://www.accesscanberra.act.gov.au/building-and-property/land-title-lodgement-registration-and-search-forms-related-fees"
          }
        ],
        "dutyPayable": 17048,
        "crossCheck": {
          "status": "not-yet-cross-checked",
          "source": "https://www.revenue.act.gov.au/rates-and-property-charges/conveyance-duty-stamp-duty/conveyance-duty-for-non-commercial-property;",
          "checkedAt": "2026-07-12"
        }
      }
    ]
  }
}