{
  "schemaVersion": "1.0",
  "title": "Australian stamp duty and home buyer figures",
  "url": "https://raynorlendingsolutions.com.au/lending-reference/",
  "dataUrl": "https://raynorlendingsolutions.com.au/lending-reference/data.json",
  "csvUrl": "https://raynorlendingsolutions.com.au/lending-reference/duty-at-common-prices.csv",
  "markdownUrl": "https://raynorlendingsolutions.com.au/lending-reference/reference.md",
  "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."
    }
  ],
  "prices": [
    300000,
    350000,
    400000,
    450000,
    500000,
    550000,
    600000,
    650000,
    700000,
    750000,
    800000,
    850000,
    900000,
    950000,
    1000000,
    1050000,
    1100000,
    1150000,
    1200000,
    1250000,
    1300000,
    1350000,
    1400000,
    1450000,
    1500000,
    1750000,
    2000000
  ],
  "states": [
    {
      "code": "QLD",
      "name": "Queensland",
      "url": "https://raynorlendingsolutions.com.au/lending-reference/stamp-duty-qld.html",
      "dataUrl": "https://raynorlendingsolutions.com.au/lending-reference/qld.json",
      "grantsPageUrl": "https://raynorlendingsolutions.com.au/grants-qld.html",
      "slug": "qld",
      "rulesCheckedAt": "2026-07-09",
      "recheckedAt": "2026-09-26",
      "transferDuty": {
        "effectiveFrom": "2012-09-21",
        "source": "https://qro.qld.gov.au/duties/transfer-duty/rates/",
        "checkedAt": "2026-07-09",
        "status": "verified",
        "minimumDuty": null,
        "rows": [
          {
            "from": 0,
            "fromInclusive": true,
            "to": 5000,
            "toInclusive": true,
            "range": "Up to $5,000",
            "rule": "No duty"
          },
          {
            "from": 5000,
            "fromInclusive": false,
            "to": 75000,
            "toInclusive": true,
            "range": "Over $5,000 up to $75,000",
            "rule": "$1.50 per $100 or part of $100 over $5,000"
          },
          {
            "from": 75000,
            "fromInclusive": false,
            "to": 540000,
            "toInclusive": true,
            "range": "Over $75,000 up to $540,000",
            "rule": "$1,050 plus $3.50 per $100 or part of $100 over $75,000"
          },
          {
            "from": 540000,
            "fromInclusive": false,
            "to": 1000000,
            "toInclusive": true,
            "range": "Over $540,000 up to $1,000,000",
            "rule": "$17,325 plus $4.50 per $100 or part of $100 over $540,000"
          },
          {
            "from": 1000000,
            "fromInclusive": false,
            "to": null,
            "toInclusive": null,
            "range": "Over $1,000,000",
            "rule": "$38,025 plus $5.75 per $100 or part of $100 over $1,000,000"
          }
        ]
      },
      "homeConcession": {
        "label": "QLD home concession",
        "summary": "Concessional duty rate of $1 per $100 on the first $350,000 for a home you move into and live in.",
        "appliesTo": [
          "established",
          "new"
        ],
        "effectiveFrom": "2012-07-01",
        "source": "https://qro.qld.gov.au/duties/transfer-duty/calculate/concession-rates/",
        "checkedAt": "2026-07-09",
        "status": "verified",
        "rows": [
          {
            "from": 0,
            "fromInclusive": true,
            "to": 350000,
            "toInclusive": true,
            "range": "Up to $350,000",
            "rule": "$1 per $100 or part of $100"
          },
          {
            "from": 350000,
            "fromInclusive": false,
            "to": 540000,
            "toInclusive": true,
            "range": "Over $350,000 up to $540,000",
            "rule": "$3,500 plus $3.50 per $100 or part of $100 over $350,000"
          },
          {
            "from": 540000,
            "fromInclusive": false,
            "to": 1000000,
            "toInclusive": true,
            "range": "Over $540,000 up to $1,000,000",
            "rule": "$10,150 plus $4.50 per $100 or part of $100 over $540,000"
          },
          {
            "from": 1000000,
            "fromInclusive": false,
            "to": null,
            "toInclusive": null,
            "range": "Over $1,000,000",
            "rule": "$30,850 plus $5.75 per $100 or part of $100 over $1,000,000"
          }
        ]
      },
      "firstHome": {
        "label": "First home concession",
        "summary": "Additional concession for eligible first home buyers, applied after the home concession rate. Full concession up to $700,000, phasing out to nil at $800,000 (contracts from 9 June 2024). New homes: duty reduced to nil with no cap (contracts from 1 May 2025).",
        "thresholds": [
          {
            "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"
          },
          {
            "propertyType": "established",
            "fullExemptionUpTo": 700000,
            "concessionEndsAt": 800000,
            "note": "Concession reduces in steps across published value bands",
            "propertyTypeLabel": "established home"
          }
        ],
        "notes": [
          {
            "id": "first-home-pending-change",
            "text": "From 1 August 2026, Queensland's home and first home duty concessions require buyers to be Australian citizens, permanent residents or specified foreign retirees. If you sign on or after that date and don't meet that test, the concession shown here may not apply."
          }
        ],
        "effectiveFrom": "2024-06-09",
        "source": "https://qro.qld.gov.au/duties/transfer-duty/calculate/concession-rates/",
        "checkedAt": "2026-07-09",
        "status": "verified"
      },
      "registryFees": {
        "mortgageRegistrationFee": 248.04,
        "effectiveFrom": "2026-07-01",
        "source": "https://www.titlesqld.com.au/wp-content/uploads/2026/05/Titles-Registry-Fees_FY-2026-to-2027.pdf",
        "checkedAt": "2026-07-09",
        "status": "verified"
      },
      "priceCaps": {
        "fivePercentDepositScheme": {
          "capitalAndRegionalCentres": 1000000,
          "restOfState": 700000,
          "source": "https://firsthomebuyers.gov.au/australian-government-5-percent-deposit-scheme/property-price-caps",
          "checkedAt": "2026-07-12"
        },
        "helpToBuy": {
          "capitalAndRegionalCentres": 1000000,
          "restOfState": 700000,
          "source": "https://firsthomebuyers.gov.au/help-buy-tools-and-resources/help-buy-property-price-caps",
          "checkedAt": "2026-07-10"
        }
      },
      "otherRules": [],
      "dutyAtCommonPrices": [
        {
          "price": 300000,
          "results": {
            "investor": {
              "transferDuty": 8925,
              "firstHomeConcession": 0,
              "dutyPayable": 8925,
              "transferRegistrationFee": 806.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 3000,
              "firstHomeConcession": 0,
              "dutyPayable": 3000,
              "transferRegistrationFee": 806.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 3000,
              "firstHomeConcession": 3000,
              "dutyPayable": 0,
              "transferRegistrationFee": 806.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 3000,
              "firstHomeConcession": 3000,
              "dutyPayable": 0,
              "transferRegistrationFee": 806.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 350000,
          "results": {
            "investor": {
              "transferDuty": 10675,
              "firstHomeConcession": 0,
              "dutyPayable": 10675,
              "transferRegistrationFee": 1039.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 3500,
              "firstHomeConcession": 0,
              "dutyPayable": 3500,
              "transferRegistrationFee": 1039.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 3500,
              "firstHomeConcession": 3500,
              "dutyPayable": 0,
              "transferRegistrationFee": 1039.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 3500,
              "firstHomeConcession": 3500,
              "dutyPayable": 0,
              "transferRegistrationFee": 1039.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 400000,
          "results": {
            "investor": {
              "transferDuty": 12425,
              "firstHomeConcession": 0,
              "dutyPayable": 12425,
              "transferRegistrationFee": 1272.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 5250,
              "firstHomeConcession": 0,
              "dutyPayable": 5250,
              "transferRegistrationFee": 1272.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 5250,
              "firstHomeConcession": 5250,
              "dutyPayable": 0,
              "transferRegistrationFee": 1272.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 5250,
              "firstHomeConcession": 5250,
              "dutyPayable": 0,
              "transferRegistrationFee": 1272.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 450000,
          "results": {
            "investor": {
              "transferDuty": 14175,
              "firstHomeConcession": 0,
              "dutyPayable": 14175,
              "transferRegistrationFee": 1505.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 7000,
              "firstHomeConcession": 0,
              "dutyPayable": 7000,
              "transferRegistrationFee": 1505.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 7000,
              "firstHomeConcession": 7000,
              "dutyPayable": 0,
              "transferRegistrationFee": 1505.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 7000,
              "firstHomeConcession": 7000,
              "dutyPayable": 0,
              "transferRegistrationFee": 1505.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 500000,
          "results": {
            "investor": {
              "transferDuty": 15925,
              "firstHomeConcession": 0,
              "dutyPayable": 15925,
              "transferRegistrationFee": 1737.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 8750,
              "firstHomeConcession": 0,
              "dutyPayable": 8750,
              "transferRegistrationFee": 1737.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 8750,
              "firstHomeConcession": 8750,
              "dutyPayable": 0,
              "transferRegistrationFee": 1737.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 8750,
              "firstHomeConcession": 8750,
              "dutyPayable": 0,
              "transferRegistrationFee": 1737.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 550000,
          "results": {
            "investor": {
              "transferDuty": 17775,
              "firstHomeConcession": 0,
              "dutyPayable": 17775,
              "transferRegistrationFee": 1970.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 10600,
              "firstHomeConcession": 0,
              "dutyPayable": 10600,
              "transferRegistrationFee": 1970.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 10600,
              "firstHomeConcession": 10600,
              "dutyPayable": 0,
              "transferRegistrationFee": 1970.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 10600,
              "firstHomeConcession": 10600,
              "dutyPayable": 0,
              "transferRegistrationFee": 1970.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 600000,
          "results": {
            "investor": {
              "transferDuty": 20025,
              "firstHomeConcession": 0,
              "dutyPayable": 20025,
              "transferRegistrationFee": 2203.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 12850,
              "firstHomeConcession": 0,
              "dutyPayable": 12850,
              "transferRegistrationFee": 2203.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 12850,
              "firstHomeConcession": 12850,
              "dutyPayable": 0,
              "transferRegistrationFee": 2203.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 12850,
              "firstHomeConcession": 12850,
              "dutyPayable": 0,
              "transferRegistrationFee": 2203.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 650000,
          "results": {
            "investor": {
              "transferDuty": 22275,
              "firstHomeConcession": 0,
              "dutyPayable": 22275,
              "transferRegistrationFee": 2436.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 15100,
              "firstHomeConcession": 0,
              "dutyPayable": 15100,
              "transferRegistrationFee": 2436.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 15100,
              "firstHomeConcession": 15100,
              "dutyPayable": 0,
              "transferRegistrationFee": 2436.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 15100,
              "firstHomeConcession": 15100,
              "dutyPayable": 0,
              "transferRegistrationFee": 2436.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 700000,
          "results": {
            "investor": {
              "transferDuty": 24525,
              "firstHomeConcession": 0,
              "dutyPayable": 24525,
              "transferRegistrationFee": 2669.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 17350,
              "firstHomeConcession": 0,
              "dutyPayable": 17350,
              "transferRegistrationFee": 2669.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 17350,
              "firstHomeConcession": 17350,
              "dutyPayable": 0,
              "transferRegistrationFee": 2669.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 17350,
              "firstHomeConcession": 17350,
              "dutyPayable": 0,
              "transferRegistrationFee": 2669.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 750000,
          "results": {
            "investor": {
              "transferDuty": 26775,
              "firstHomeConcession": 0,
              "dutyPayable": 26775,
              "transferRegistrationFee": 2901.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 19600,
              "firstHomeConcession": 0,
              "dutyPayable": 19600,
              "transferRegistrationFee": 2901.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 19600,
              "firstHomeConcession": 8675,
              "dutyPayable": 10925,
              "transferRegistrationFee": 2901.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 19600,
              "firstHomeConcession": 19600,
              "dutyPayable": 0,
              "transferRegistrationFee": 2901.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 800000,
          "results": {
            "investor": {
              "transferDuty": 29025,
              "firstHomeConcession": 0,
              "dutyPayable": 29025,
              "transferRegistrationFee": 3134.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 21850,
              "firstHomeConcession": 0,
              "dutyPayable": 21850,
              "transferRegistrationFee": 3134.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 21850,
              "firstHomeConcession": 0,
              "dutyPayable": 21850,
              "transferRegistrationFee": 3134.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 21850,
              "firstHomeConcession": 21850,
              "dutyPayable": 0,
              "transferRegistrationFee": 3134.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 850000,
          "results": {
            "investor": {
              "transferDuty": 31275,
              "firstHomeConcession": 0,
              "dutyPayable": 31275,
              "transferRegistrationFee": 3367.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 24100,
              "firstHomeConcession": 0,
              "dutyPayable": 24100,
              "transferRegistrationFee": 3367.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 24100,
              "firstHomeConcession": 0,
              "dutyPayable": 24100,
              "transferRegistrationFee": 3367.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 24100,
              "firstHomeConcession": 24100,
              "dutyPayable": 0,
              "transferRegistrationFee": 3367.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 900000,
          "results": {
            "investor": {
              "transferDuty": 33525,
              "firstHomeConcession": 0,
              "dutyPayable": 33525,
              "transferRegistrationFee": 3600.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 26350,
              "firstHomeConcession": 0,
              "dutyPayable": 26350,
              "transferRegistrationFee": 3600.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 26350,
              "firstHomeConcession": 0,
              "dutyPayable": 26350,
              "transferRegistrationFee": 3600.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 26350,
              "firstHomeConcession": 26350,
              "dutyPayable": 0,
              "transferRegistrationFee": 3600.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 950000,
          "results": {
            "investor": {
              "transferDuty": 35775,
              "firstHomeConcession": 0,
              "dutyPayable": 35775,
              "transferRegistrationFee": 3833.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 28600,
              "firstHomeConcession": 0,
              "dutyPayable": 28600,
              "transferRegistrationFee": 3833.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 28600,
              "firstHomeConcession": 0,
              "dutyPayable": 28600,
              "transferRegistrationFee": 3833.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 28600,
              "firstHomeConcession": 28600,
              "dutyPayable": 0,
              "transferRegistrationFee": 3833.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1000000,
          "results": {
            "investor": {
              "transferDuty": 38025,
              "firstHomeConcession": 0,
              "dutyPayable": 38025,
              "transferRegistrationFee": 4065.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 30850,
              "firstHomeConcession": 0,
              "dutyPayable": 30850,
              "transferRegistrationFee": 4065.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 30850,
              "firstHomeConcession": 0,
              "dutyPayable": 30850,
              "transferRegistrationFee": 4065.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 30850,
              "firstHomeConcession": 30850,
              "dutyPayable": 0,
              "transferRegistrationFee": 4065.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1050000,
          "results": {
            "investor": {
              "transferDuty": 40900,
              "firstHomeConcession": 0,
              "dutyPayable": 40900,
              "transferRegistrationFee": 4298.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 33725,
              "firstHomeConcession": 0,
              "dutyPayable": 33725,
              "transferRegistrationFee": 4298.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 33725,
              "firstHomeConcession": 0,
              "dutyPayable": 33725,
              "transferRegistrationFee": 4298.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 33725,
              "firstHomeConcession": 33725,
              "dutyPayable": 0,
              "transferRegistrationFee": 4298.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1100000,
          "results": {
            "investor": {
              "transferDuty": 43775,
              "firstHomeConcession": 0,
              "dutyPayable": 43775,
              "transferRegistrationFee": 4531.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 36600,
              "firstHomeConcession": 0,
              "dutyPayable": 36600,
              "transferRegistrationFee": 4531.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 36600,
              "firstHomeConcession": 0,
              "dutyPayable": 36600,
              "transferRegistrationFee": 4531.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 36600,
              "firstHomeConcession": 36600,
              "dutyPayable": 0,
              "transferRegistrationFee": 4531.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1150000,
          "results": {
            "investor": {
              "transferDuty": 46650,
              "firstHomeConcession": 0,
              "dutyPayable": 46650,
              "transferRegistrationFee": 4764.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 39475,
              "firstHomeConcession": 0,
              "dutyPayable": 39475,
              "transferRegistrationFee": 4764.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 39475,
              "firstHomeConcession": 0,
              "dutyPayable": 39475,
              "transferRegistrationFee": 4764.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 39475,
              "firstHomeConcession": 39475,
              "dutyPayable": 0,
              "transferRegistrationFee": 4764.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1200000,
          "results": {
            "investor": {
              "transferDuty": 49525,
              "firstHomeConcession": 0,
              "dutyPayable": 49525,
              "transferRegistrationFee": 4997.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 42350,
              "firstHomeConcession": 0,
              "dutyPayable": 42350,
              "transferRegistrationFee": 4997.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 42350,
              "firstHomeConcession": 0,
              "dutyPayable": 42350,
              "transferRegistrationFee": 4997.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 42350,
              "firstHomeConcession": 42350,
              "dutyPayable": 0,
              "transferRegistrationFee": 4997.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1250000,
          "results": {
            "investor": {
              "transferDuty": 52400,
              "firstHomeConcession": 0,
              "dutyPayable": 52400,
              "transferRegistrationFee": 5229.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 45225,
              "firstHomeConcession": 0,
              "dutyPayable": 45225,
              "transferRegistrationFee": 5229.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 45225,
              "firstHomeConcession": 0,
              "dutyPayable": 45225,
              "transferRegistrationFee": 5229.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 45225,
              "firstHomeConcession": 45225,
              "dutyPayable": 0,
              "transferRegistrationFee": 5229.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1300000,
          "results": {
            "investor": {
              "transferDuty": 55275,
              "firstHomeConcession": 0,
              "dutyPayable": 55275,
              "transferRegistrationFee": 5462.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 48100,
              "firstHomeConcession": 0,
              "dutyPayable": 48100,
              "transferRegistrationFee": 5462.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 48100,
              "firstHomeConcession": 0,
              "dutyPayable": 48100,
              "transferRegistrationFee": 5462.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 48100,
              "firstHomeConcession": 48100,
              "dutyPayable": 0,
              "transferRegistrationFee": 5462.76,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1350000,
          "results": {
            "investor": {
              "transferDuty": 58150,
              "firstHomeConcession": 0,
              "dutyPayable": 58150,
              "transferRegistrationFee": 5695.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 50975,
              "firstHomeConcession": 0,
              "dutyPayable": 50975,
              "transferRegistrationFee": 5695.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 50975,
              "firstHomeConcession": 0,
              "dutyPayable": 50975,
              "transferRegistrationFee": 5695.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 50975,
              "firstHomeConcession": 50975,
              "dutyPayable": 0,
              "transferRegistrationFee": 5695.56,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1400000,
          "results": {
            "investor": {
              "transferDuty": 61025,
              "firstHomeConcession": 0,
              "dutyPayable": 61025,
              "transferRegistrationFee": 5928.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 53850,
              "firstHomeConcession": 0,
              "dutyPayable": 53850,
              "transferRegistrationFee": 5928.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 53850,
              "firstHomeConcession": 0,
              "dutyPayable": 53850,
              "transferRegistrationFee": 5928.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 53850,
              "firstHomeConcession": 53850,
              "dutyPayable": 0,
              "transferRegistrationFee": 5928.36,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1450000,
          "results": {
            "investor": {
              "transferDuty": 63900,
              "firstHomeConcession": 0,
              "dutyPayable": 63900,
              "transferRegistrationFee": 6161.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 56725,
              "firstHomeConcession": 0,
              "dutyPayable": 56725,
              "transferRegistrationFee": 6161.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 56725,
              "firstHomeConcession": 0,
              "dutyPayable": 56725,
              "transferRegistrationFee": 6161.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 56725,
              "firstHomeConcession": 56725,
              "dutyPayable": 0,
              "transferRegistrationFee": 6161.16,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1500000,
          "results": {
            "investor": {
              "transferDuty": 66775,
              "firstHomeConcession": 0,
              "dutyPayable": 66775,
              "transferRegistrationFee": 6393.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 59600,
              "firstHomeConcession": 0,
              "dutyPayable": 59600,
              "transferRegistrationFee": 6393.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 59600,
              "firstHomeConcession": 0,
              "dutyPayable": 59600,
              "transferRegistrationFee": 6393.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 59600,
              "firstHomeConcession": 59600,
              "dutyPayable": 0,
              "transferRegistrationFee": 6393.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1750000,
          "results": {
            "investor": {
              "transferDuty": 81150,
              "firstHomeConcession": 0,
              "dutyPayable": 81150,
              "transferRegistrationFee": 7557.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 73975,
              "firstHomeConcession": 0,
              "dutyPayable": 73975,
              "transferRegistrationFee": 7557.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 73975,
              "firstHomeConcession": 0,
              "dutyPayable": 73975,
              "transferRegistrationFee": 7557.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 73975,
              "firstHomeConcession": 73975,
              "dutyPayable": 0,
              "transferRegistrationFee": 7557.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 2000000,
          "results": {
            "investor": {
              "transferDuty": 95525,
              "firstHomeConcession": 0,
              "dutyPayable": 95525,
              "transferRegistrationFee": 8721.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 88350,
              "firstHomeConcession": 0,
              "dutyPayable": 88350,
              "transferRegistrationFee": 8721.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 88350,
              "firstHomeConcession": 0,
              "dutyPayable": 88350,
              "transferRegistrationFee": 8721.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 88350,
              "firstHomeConcession": 88350,
              "dutyPayable": 0,
              "transferRegistrationFee": 8721.96,
              "mortgageRegistrationFee": 248.04,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        }
      ],
      "workedExamples": [
        {
          "id": "investor-700k-established",
          "title": "$700,000 established home, investor",
          "price": 700000,
          "propertyType": "established",
          "purpose": "investment",
          "firstHomeBuyer": false,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 24525,
              "basis": "Calculated from the published QLD transfer duty brackets on a dutiable value of $700,000.00.",
              "source": "https://qro.qld.gov.au/duties/transfer-duty/rates/"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 248.04,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.titlesqld.com.au/wp-content/uploads/2026/05/Titles-Registry-Fees_FY-2026-to-2027.pdf"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 2669.16,
              "basis": "Land registry fee to register the transfer: $248.04 base plus $46.56 per $10,000.00 (or part) above $180,000.00.",
              "source": "https://www.titlesqld.com.au/wp-content/uploads/2026/05/Titles-Registry-Fees_FY-2026-to-2027.pdf"
            }
          ],
          "dutyPayable": 24525,
          "crossCheck": {
            "status": "matches-official-example",
            "source": "https://qro.qld.gov.au/duties/transfer-duty/rates/",
            "checkedAt": "2026-07-09"
          }
        },
        {
          "id": "new-home-fhb-900k",
          "title": "$900,000 new home, first home buyer",
          "price": 900000,
          "propertyType": "new",
          "purpose": "owner-occupied",
          "firstHomeBuyer": true,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty (home concession rate)",
              "amount": 26350,
              "basis": "Concessional duty rate of $1 per $100 on the first $350,000 for a home you move into and live in. Calculated on a dutiable value of $900,000.00.",
              "source": "https://qro.qld.gov.au/duties/transfer-duty/calculate/concession-rates/"
            },
            {
              "id": "first-home-concession",
              "label": "First home concession (full exemption)",
              "amount": -26350,
              "basis": "Reduces transfer duty to nil for eligible first home buyers purchasing a brand-new home (from 1 May 2025) or vacant land to build their first home on (no value cap).",
              "source": "https://qro.qld.gov.au/duties/transfer-duty/calculate/concession-rates/"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 248.04,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.titlesqld.com.au/wp-content/uploads/2026/05/Titles-Registry-Fees_FY-2026-to-2027.pdf"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 3600.36,
              "basis": "Land registry fee to register the transfer: $248.04 base plus $46.56 per $10,000.00 (or part) above $180,000.00.",
              "source": "https://www.titlesqld.com.au/wp-content/uploads/2026/05/Titles-Registry-Fees_FY-2026-to-2027.pdf"
            }
          ],
          "dutyPayable": 0,
          "crossCheck": {
            "status": "matches-official-example",
            "source": "https://qro.qld.gov.au/duties/transfer-duty/concessions/homes/first-home-new-home/",
            "checkedAt": "2026-07-09"
          }
        },
        {
          "id": "owner-example-700k-fhb-established",
          "title": "$700,000 established home, first home buyer",
          "price": 700000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": true,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty (home concession rate)",
              "amount": 17350,
              "basis": "Concessional duty rate of $1 per $100 on the first $350,000 for a home you move into and live in. Calculated on a dutiable value of $700,000.00.",
              "source": "https://qro.qld.gov.au/duties/transfer-duty/calculate/concession-rates/"
            },
            {
              "id": "first-home-concession",
              "label": "First home concession",
              "amount": -17350,
              "basis": "Additional concession for eligible first home buyers, applied after the home concession rate. Full concession up to $700,000, phasing out to nil at $800,000 (contracts from 9 June 2024). New homes: duty reduced to nil with no cap (contracts from 1 May 2025).",
              "source": "https://qro.qld.gov.au/duties/transfer-duty/calculate/concession-rates/"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 248.04,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.titlesqld.com.au/wp-content/uploads/2026/05/Titles-Registry-Fees_FY-2026-to-2027.pdf"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 2669.16,
              "basis": "Land registry fee to register the transfer: $248.04 base plus $46.56 per $10,000.00 (or part) above $180,000.00.",
              "source": "https://www.titlesqld.com.au/wp-content/uploads/2026/05/Titles-Registry-Fees_FY-2026-to-2027.pdf"
            }
          ],
          "dutyPayable": 0,
          "crossCheck": {
            "status": "matches-official-example",
            "source": "https://qro.qld.gov.au/duties/transfer-duty/calculate/concession-rates/",
            "checkedAt": "2026-07-09"
          }
        },
        {
          "id": "qro-worked-example-650k-fhb",
          "title": "$650,000 established home, first home buyer",
          "price": 650000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": true,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty (home concession rate)",
              "amount": 15100,
              "basis": "Concessional duty rate of $1 per $100 on the first $350,000 for a home you move into and live in. Calculated on a dutiable value of $650,000.00.",
              "source": "https://qro.qld.gov.au/duties/transfer-duty/calculate/concession-rates/"
            },
            {
              "id": "first-home-concession",
              "label": "First home concession",
              "amount": -15100,
              "basis": "Additional concession for eligible first home buyers, applied after the home concession rate. Full concession up to $700,000, phasing out to nil at $800,000 (contracts from 9 June 2024). New homes: duty reduced to nil with no cap (contracts from 1 May 2025).",
              "source": "https://qro.qld.gov.au/duties/transfer-duty/calculate/concession-rates/"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 248.04,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.titlesqld.com.au/wp-content/uploads/2026/05/Titles-Registry-Fees_FY-2026-to-2027.pdf"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 2436.36,
              "basis": "Land registry fee to register the transfer: $248.04 base plus $46.56 per $10,000.00 (or part) above $180,000.00.",
              "source": "https://www.titlesqld.com.au/wp-content/uploads/2026/05/Titles-Registry-Fees_FY-2026-to-2027.pdf"
            }
          ],
          "dutyPayable": 0,
          "crossCheck": {
            "status": "matches-official-example",
            "source": "https://qro.qld.gov.au/duties/transfer-duty/concessions/homes/first-home/",
            "checkedAt": "2026-07-09"
          }
        },
        {
          "id": "qro-worked-example-730k-fhb",
          "title": "$730,000 established home, first home buyer",
          "price": 730000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": true,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty (home concession rate)",
              "amount": 18700,
              "basis": "Concessional duty rate of $1 per $100 on the first $350,000 for a home you move into and live in. Calculated on a dutiable value of $730,000.00.",
              "source": "https://qro.qld.gov.au/duties/transfer-duty/calculate/concession-rates/"
            },
            {
              "id": "first-home-concession",
              "label": "First home concession",
              "amount": -12145,
              "basis": "Additional concession for eligible first home buyers, applied after the home concession rate. Full concession up to $700,000, phasing out to nil at $800,000 (contracts from 9 June 2024). New homes: duty reduced to nil with no cap (contracts from 1 May 2025).",
              "source": "https://qro.qld.gov.au/duties/transfer-duty/calculate/concession-rates/"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 248.04,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.titlesqld.com.au/wp-content/uploads/2026/05/Titles-Registry-Fees_FY-2026-to-2027.pdf"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 2808.84,
              "basis": "Land registry fee to register the transfer: $248.04 base plus $46.56 per $10,000.00 (or part) above $180,000.00.",
              "source": "https://www.titlesqld.com.au/wp-content/uploads/2026/05/Titles-Registry-Fees_FY-2026-to-2027.pdf"
            }
          ],
          "dutyPayable": 6555,
          "crossCheck": {
            "status": "matches-official-example",
            "source": "https://qro.qld.gov.au/duties/transfer-duty/concessions/homes/first-home/",
            "checkedAt": "2026-07-09"
          }
        },
        {
          "id": "vacant-land-fhb-400k",
          "title": "$400,000 vacant land, first home buyer",
          "price": 400000,
          "propertyType": "vacant-land",
          "purpose": "owner-occupied",
          "firstHomeBuyer": true,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 12425,
              "basis": "Calculated from the published QLD transfer duty brackets on a dutiable value of $400,000.00.",
              "source": "https://qro.qld.gov.au/duties/transfer-duty/rates/"
            },
            {
              "id": "first-home-concession",
              "label": "First home concession (full exemption)",
              "amount": -12425,
              "basis": "Reduces transfer duty to nil for eligible first home buyers purchasing a brand-new home (from 1 May 2025) or vacant land to build their first home on (no value cap).",
              "source": "https://qro.qld.gov.au/duties/transfer-duty/calculate/concession-rates/"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 248.04,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.titlesqld.com.au/wp-content/uploads/2026/05/Titles-Registry-Fees_FY-2026-to-2027.pdf"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 1272.36,
              "basis": "Land registry fee to register the transfer: $248.04 base plus $46.56 per $10,000.00 (or part) above $180,000.00.",
              "source": "https://www.titlesqld.com.au/wp-content/uploads/2026/05/Titles-Registry-Fees_FY-2026-to-2027.pdf"
            }
          ],
          "dutyPayable": 0,
          "crossCheck": {
            "status": "matches-official-example",
            "source": "https://qro.qld.gov.au/duties/transfer-duty/calculate/concession-rates/",
            "checkedAt": "2026-07-09"
          }
        }
      ]
    },
    {
      "code": "NSW",
      "name": "New South Wales",
      "url": "https://raynorlendingsolutions.com.au/lending-reference/stamp-duty-nsw.html",
      "dataUrl": "https://raynorlendingsolutions.com.au/lending-reference/nsw.json",
      "grantsPageUrl": "https://raynorlendingsolutions.com.au/grants-nsw.html",
      "slug": "nsw",
      "rulesCheckedAt": "2026-07-23",
      "recheckedAt": "2026-09-26",
      "transferDuty": {
        "effectiveFrom": "2026-07-01",
        "source": "https://www.revenue.nsw.gov.au/taxes-duties-levies-royalties/transfer-duty/understanding-transfer-duty/calculate-transfer-duty",
        "checkedAt": "2026-07-23",
        "status": "verified",
        "minimumDuty": 20,
        "rows": [
          {
            "from": 0,
            "fromInclusive": true,
            "to": 18000,
            "toInclusive": true,
            "range": "Up to $18,000",
            "rule": "$1.25 per $100 or part of $100"
          },
          {
            "from": 18000,
            "fromInclusive": false,
            "to": 38000,
            "toInclusive": true,
            "range": "Over $18,000 up to $38,000",
            "rule": "$225 plus $1.50 per $100 or part of $100 over $18,000"
          },
          {
            "from": 38000,
            "fromInclusive": false,
            "to": 103000,
            "toInclusive": true,
            "range": "Over $38,000 up to $103,000",
            "rule": "$525 plus $1.75 per $100 or part of $100 over $38,000"
          },
          {
            "from": 103000,
            "fromInclusive": false,
            "to": 387000,
            "toInclusive": true,
            "range": "Over $103,000 up to $387,000",
            "rule": "$1,662 plus $3.50 per $100 or part of $100 over $103,000"
          },
          {
            "from": 387000,
            "fromInclusive": false,
            "to": 1290000,
            "toInclusive": true,
            "range": "Over $387,000 up to $1,290,000",
            "rule": "$11,602 plus $4.50 per $100 or part of $100 over $387,000"
          },
          {
            "from": 1290000,
            "fromInclusive": false,
            "to": 3870000,
            "toInclusive": true,
            "range": "Over $1,290,000 up to $3,870,000",
            "rule": "$52,237 plus $5.50 per $100 or part of $100 over $1,290,000"
          },
          {
            "from": 3870000,
            "fromInclusive": false,
            "to": null,
            "toInclusive": null,
            "range": "Over $3,870,000",
            "rule": "$194,137 plus $7 per $100 or part of $100 over $3,870,000"
          }
        ]
      },
      "homeConcession": null,
      "firstHome": {
        "label": "First Home Buyers Assistance Scheme",
        "summary": "Full transfer duty exemption up to $800,000; between $800,000 and $1,000,000 the duty is reduced on a sliding scale (Duties Act 1997 s 78A). Vacant land bought to build a first home on is exempt up to $350,000, with a concession phasing out at $450,000.",
        "thresholds": [
          {
            "propertyType": "established",
            "fullExemptionUpTo": 800000,
            "concessionEndsAt": 1000000,
            "note": "Sliding-scale concession between the two values",
            "propertyTypeLabel": "established home"
          },
          {
            "propertyType": "new",
            "fullExemptionUpTo": 800000,
            "concessionEndsAt": 1000000,
            "note": "Sliding-scale concession between the two values",
            "propertyTypeLabel": "new home"
          },
          {
            "propertyType": "vacant-land",
            "fullExemptionUpTo": 350000,
            "concessionEndsAt": 450000,
            "note": "Sliding-scale concession between the two values",
            "propertyTypeLabel": "vacant land"
          }
        ],
        "notes": [],
        "effectiveFrom": "2023-07-01",
        "source": "https://www.revenue.nsw.gov.au/property-professionals-resource-centre/guides-rulings-cpns/topics/first-home-buyers-assistance-scheme-guide/overview",
        "checkedAt": "2026-07-23",
        "status": "verified"
      },
      "registryFees": {
        "mortgageRegistrationFee": 182.73,
        "effectiveFrom": "2026-07-01",
        "source": "https://www.nswlrs.com.au/assets/f/1129775276948026/x/5fed3e7cd6/2026-2027_nsw-lrs-fees_final.pdf",
        "checkedAt": "2026-07-09",
        "status": "verified"
      },
      "priceCaps": {
        "fivePercentDepositScheme": {
          "capitalAndRegionalCentres": 1500000,
          "restOfState": 800000,
          "source": "https://firsthomebuyers.gov.au/australian-government-5-percent-deposit-scheme/property-price-caps",
          "checkedAt": "2026-07-12"
        },
        "helpToBuy": {
          "capitalAndRegionalCentres": 1300000,
          "restOfState": 800000,
          "source": "https://firsthomebuyers.gov.au/help-buy-tools-and-resources/help-buy-property-price-caps",
          "checkedAt": "2026-07-10"
        }
      },
      "otherRules": [],
      "dutyAtCommonPrices": [
        {
          "price": 300000,
          "results": {
            "investor": {
              "transferDuty": 8557,
              "firstHomeConcession": 0,
              "dutyPayable": 8557,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 8557,
              "firstHomeConcession": 0,
              "dutyPayable": 8557,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 8557,
              "firstHomeConcession": 8557,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 8557,
              "firstHomeConcession": 8557,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 350000,
          "results": {
            "investor": {
              "transferDuty": 10307,
              "firstHomeConcession": 0,
              "dutyPayable": 10307,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 10307,
              "firstHomeConcession": 0,
              "dutyPayable": 10307,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 10307,
              "firstHomeConcession": 10307,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 10307,
              "firstHomeConcession": 10307,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 400000,
          "results": {
            "investor": {
              "transferDuty": 12187,
              "firstHomeConcession": 0,
              "dutyPayable": 12187,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 12187,
              "firstHomeConcession": 0,
              "dutyPayable": 12187,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 12187,
              "firstHomeConcession": 12187,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 12187,
              "firstHomeConcession": 12187,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 450000,
          "results": {
            "investor": {
              "transferDuty": 14437,
              "firstHomeConcession": 0,
              "dutyPayable": 14437,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 14437,
              "firstHomeConcession": 0,
              "dutyPayable": 14437,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 14437,
              "firstHomeConcession": 14437,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 14437,
              "firstHomeConcession": 14437,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 500000,
          "results": {
            "investor": {
              "transferDuty": 16687,
              "firstHomeConcession": 0,
              "dutyPayable": 16687,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 16687,
              "firstHomeConcession": 0,
              "dutyPayable": 16687,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 16687,
              "firstHomeConcession": 16687,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 16687,
              "firstHomeConcession": 16687,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 550000,
          "results": {
            "investor": {
              "transferDuty": 18937,
              "firstHomeConcession": 0,
              "dutyPayable": 18937,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 18937,
              "firstHomeConcession": 0,
              "dutyPayable": 18937,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 18937,
              "firstHomeConcession": 18937,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 18937,
              "firstHomeConcession": 18937,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 600000,
          "results": {
            "investor": {
              "transferDuty": 21187,
              "firstHomeConcession": 0,
              "dutyPayable": 21187,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 21187,
              "firstHomeConcession": 0,
              "dutyPayable": 21187,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 21187,
              "firstHomeConcession": 21187,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 21187,
              "firstHomeConcession": 21187,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 650000,
          "results": {
            "investor": {
              "transferDuty": 23437,
              "firstHomeConcession": 0,
              "dutyPayable": 23437,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 23437,
              "firstHomeConcession": 0,
              "dutyPayable": 23437,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 23437,
              "firstHomeConcession": 23437,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 23437,
              "firstHomeConcession": 23437,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 700000,
          "results": {
            "investor": {
              "transferDuty": 25687,
              "firstHomeConcession": 0,
              "dutyPayable": 25687,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 25687,
              "firstHomeConcession": 0,
              "dutyPayable": 25687,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 25687,
              "firstHomeConcession": 25687,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 25687,
              "firstHomeConcession": 25687,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 750000,
          "results": {
            "investor": {
              "transferDuty": 27937,
              "firstHomeConcession": 0,
              "dutyPayable": 27937,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 27937,
              "firstHomeConcession": 0,
              "dutyPayable": 27937,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 27937,
              "firstHomeConcession": 27937,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 27937,
              "firstHomeConcession": 27937,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 800000,
          "results": {
            "investor": {
              "transferDuty": 30187,
              "firstHomeConcession": 0,
              "dutyPayable": 30187,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 30187,
              "firstHomeConcession": 0,
              "dutyPayable": 30187,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 30187,
              "firstHomeConcession": 30187,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 30187,
              "firstHomeConcession": 30187,
              "dutyPayable": 0,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 850000,
          "results": {
            "investor": {
              "transferDuty": 32437,
              "firstHomeConcession": 0,
              "dutyPayable": 32437,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 32437,
              "firstHomeConcession": 0,
              "dutyPayable": 32437,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 32437,
              "firstHomeConcession": 22640.25,
              "dutyPayable": 9796.75,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 32437,
              "firstHomeConcession": 22640.25,
              "dutyPayable": 9796.75,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 900000,
          "results": {
            "investor": {
              "transferDuty": 34687,
              "firstHomeConcession": 0,
              "dutyPayable": 34687,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 34687,
              "firstHomeConcession": 0,
              "dutyPayable": 34687,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 34687,
              "firstHomeConcession": 15093.5,
              "dutyPayable": 19593.5,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 34687,
              "firstHomeConcession": 15093.5,
              "dutyPayable": 19593.5,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 950000,
          "results": {
            "investor": {
              "transferDuty": 36937,
              "firstHomeConcession": 0,
              "dutyPayable": 36937,
              "transferRegistrationFee": 182.73,
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              "rateBasis": "Transfer duty"
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              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
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              "firstHomeConcession": 7546.75,
              "dutyPayable": 29390.25,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
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              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1000000,
          "results": {
            "investor": {
              "transferDuty": 39187,
              "firstHomeConcession": 0,
              "dutyPayable": 39187,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
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            },
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              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1050000,
          "results": {
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              "transferDuty": 41437,
              "firstHomeConcession": 0,
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            },
            "home": {
              "transferDuty": 41437,
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            },
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            }
          }
        },
        {
          "price": 1100000,
          "results": {
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            },
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            },
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            }
          }
        },
        {
          "price": 1150000,
          "results": {
            "investor": {
              "transferDuty": 45937,
              "firstHomeConcession": 0,
              "dutyPayable": 45937,
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              "rateBasis": "Transfer duty"
            },
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              "transferDuty": 45937,
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            },
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              "transferDuty": 45937,
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            }
          }
        },
        {
          "price": 1200000,
          "results": {
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              "firstHomeConcession": 0,
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            },
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              "transferDuty": 48187,
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            },
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            },
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            }
          }
        },
        {
          "price": 1250000,
          "results": {
            "investor": {
              "transferDuty": 50437,
              "firstHomeConcession": 0,
              "dutyPayable": 50437,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 50437,
              "firstHomeConcession": 0,
              "dutyPayable": 50437,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 50437,
              "firstHomeConcession": 0,
              "dutyPayable": 50437,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
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            },
            "first-home-new": {
              "transferDuty": 50437,
              "firstHomeConcession": 0,
              "dutyPayable": 50437,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1300000,
          "results": {
            "investor": {
              "transferDuty": 52787,
              "firstHomeConcession": 0,
              "dutyPayable": 52787,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 52787,
              "firstHomeConcession": 0,
              "dutyPayable": 52787,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 52787,
              "firstHomeConcession": 0,
              "dutyPayable": 52787,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 52787,
              "firstHomeConcession": 0,
              "dutyPayable": 52787,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1350000,
          "results": {
            "investor": {
              "transferDuty": 55537,
              "firstHomeConcession": 0,
              "dutyPayable": 55537,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 55537,
              "firstHomeConcession": 0,
              "dutyPayable": 55537,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 55537,
              "firstHomeConcession": 0,
              "dutyPayable": 55537,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 55537,
              "firstHomeConcession": 0,
              "dutyPayable": 55537,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1400000,
          "results": {
            "investor": {
              "transferDuty": 58287,
              "firstHomeConcession": 0,
              "dutyPayable": 58287,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 58287,
              "firstHomeConcession": 0,
              "dutyPayable": 58287,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 58287,
              "firstHomeConcession": 0,
              "dutyPayable": 58287,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 58287,
              "firstHomeConcession": 0,
              "dutyPayable": 58287,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1450000,
          "results": {
            "investor": {
              "transferDuty": 61037,
              "firstHomeConcession": 0,
              "dutyPayable": 61037,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 61037,
              "firstHomeConcession": 0,
              "dutyPayable": 61037,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 61037,
              "firstHomeConcession": 0,
              "dutyPayable": 61037,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 61037,
              "firstHomeConcession": 0,
              "dutyPayable": 61037,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1500000,
          "results": {
            "investor": {
              "transferDuty": 63787,
              "firstHomeConcession": 0,
              "dutyPayable": 63787,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 63787,
              "firstHomeConcession": 0,
              "dutyPayable": 63787,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 63787,
              "firstHomeConcession": 0,
              "dutyPayable": 63787,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 63787,
              "firstHomeConcession": 0,
              "dutyPayable": 63787,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1750000,
          "results": {
            "investor": {
              "transferDuty": 77537,
              "firstHomeConcession": 0,
              "dutyPayable": 77537,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 77537,
              "firstHomeConcession": 0,
              "dutyPayable": 77537,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 77537,
              "firstHomeConcession": 0,
              "dutyPayable": 77537,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 77537,
              "firstHomeConcession": 0,
              "dutyPayable": 77537,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 2000000,
          "results": {
            "investor": {
              "transferDuty": 91287,
              "firstHomeConcession": 0,
              "dutyPayable": 91287,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 91287,
              "firstHomeConcession": 0,
              "dutyPayable": 91287,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 91287,
              "firstHomeConcession": 0,
              "dutyPayable": 91287,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 91287,
              "firstHomeConcession": 0,
              "dutyPayable": 91287,
              "transferRegistrationFee": 182.73,
              "mortgageRegistrationFee": 182.73,
              "rateBasis": "Transfer duty"
            }
          }
        }
      ],
      "workedExamples": [
        {
          "id": "fhb-established-1m",
          "title": "$1,000,000 established home, first home buyer",
          "price": 1000000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": true,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 39187,
              "basis": "Calculated from the published NSW transfer duty brackets on a dutiable value of $1,000,000.00.",
              "source": "https://www.revenue.nsw.gov.au/taxes-duties-levies-royalties/transfer-duty/understanding-transfer-duty/calculate-transfer-duty"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 182.73,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.nswlrs.com.au/assets/f/1129775276948026/x/5fed3e7cd6/2026-2027_nsw-lrs-fees_final.pdf"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 182.73,
              "basis": "Land registry fee to register the transfer: $182.73 base plus $0.00 per $10,000.00 (or part) above $0.00.",
              "source": "https://www.nswlrs.com.au/assets/f/1129775276948026/x/5fed3e7cd6/2026-2027_nsw-lrs-fees_final.pdf"
            }
          ],
          "dutyPayable": 39187,
          "crossCheck": {
            "status": "matches-official-example",
            "source": "https://www.revenue.nsw.gov.au/grants-schemes/first-home-buyer/assistance-scheme",
            "checkedAt": "2026-07-09"
          }
        },
        {
          "id": "fhb-established-750k",
          "title": "$750,000 established home, first home buyer",
          "price": 750000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": true,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 27937,
              "basis": "Calculated from the published NSW transfer duty brackets on a dutiable value of $750,000.00.",
              "source": "https://www.revenue.nsw.gov.au/taxes-duties-levies-royalties/transfer-duty/understanding-transfer-duty/calculate-transfer-duty"
            },
            {
              "id": "first-home-concession",
              "label": "First Home Buyers Assistance Scheme",
              "amount": -27937,
              "basis": "Full transfer duty exemption up to $800,000; between $800,000 and $1,000,000 the duty is reduced on a sliding scale (Duties Act 1997 s 78A). Vacant land bought to build a first home on is exempt up to $350,000, with a concession phasing out at $450,000.",
              "source": "https://www.revenue.nsw.gov.au/property-professionals-resource-centre/guides-rulings-cpns/topics/first-home-buyers-assistance-scheme-guide/overview"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 182.73,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.nswlrs.com.au/assets/f/1129775276948026/x/5fed3e7cd6/2026-2027_nsw-lrs-fees_final.pdf"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 182.73,
              "basis": "Land registry fee to register the transfer: $182.73 base plus $0.00 per $10,000.00 (or part) above $0.00.",
              "source": "https://www.nswlrs.com.au/assets/f/1129775276948026/x/5fed3e7cd6/2026-2027_nsw-lrs-fees_final.pdf"
            }
          ],
          "dutyPayable": 0,
          "crossCheck": {
            "status": "matches-official-example",
            "source": "https://www.revenue.nsw.gov.au/grants-schemes/first-home-buyer/assistance-scheme",
            "checkedAt": "2026-07-09"
          }
        },
        {
          "id": "fhb-established-850k",
          "title": "$850,000 established home, first home buyer",
          "price": 850000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": true,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 32437,
              "basis": "Calculated from the published NSW transfer duty brackets on a dutiable value of $850,000.00.",
              "source": "https://www.revenue.nsw.gov.au/taxes-duties-levies-royalties/transfer-duty/understanding-transfer-duty/calculate-transfer-duty"
            },
            {
              "id": "first-home-concession",
              "label": "First Home Buyers Assistance Scheme",
              "amount": -22640.25,
              "basis": "Full transfer duty exemption up to $800,000; between $800,000 and $1,000,000 the duty is reduced on a sliding scale (Duties Act 1997 s 78A). Vacant land bought to build a first home on is exempt up to $350,000, with a concession phasing out at $450,000.",
              "source": "https://www.revenue.nsw.gov.au/property-professionals-resource-centre/guides-rulings-cpns/topics/first-home-buyers-assistance-scheme-guide/overview"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 182.73,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.nswlrs.com.au/assets/f/1129775276948026/x/5fed3e7cd6/2026-2027_nsw-lrs-fees_final.pdf"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 182.73,
              "basis": "Land registry fee to register the transfer: $182.73 base plus $0.00 per $10,000.00 (or part) above $0.00.",
              "source": "https://www.nswlrs.com.au/assets/f/1129775276948026/x/5fed3e7cd6/2026-2027_nsw-lrs-fees_final.pdf"
            }
          ],
          "dutyPayable": 9796.75,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.revenue.nsw.gov.au/grants-schemes/first-home-buyer/assistance-scheme",
            "checkedAt": "2026-07-09"
          }
        },
        {
          "id": "fhb-vacant-land-400k",
          "title": "$400,000 vacant land, first home buyer",
          "price": 400000,
          "propertyType": "vacant-land",
          "purpose": "owner-occupied",
          "firstHomeBuyer": true,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 12187,
              "basis": "Calculated from the published NSW transfer duty brackets on a dutiable value of $400,000.00.",
              "source": "https://www.revenue.nsw.gov.au/taxes-duties-levies-royalties/transfer-duty/understanding-transfer-duty/calculate-transfer-duty"
            },
            {
              "id": "first-home-concession",
              "label": "First Home Buyers Assistance Scheme",
              "amount": -5153.5,
              "basis": "Full transfer duty exemption up to $800,000; between $800,000 and $1,000,000 the duty is reduced on a sliding scale (Duties Act 1997 s 78A). Vacant land bought to build a first home on is exempt up to $350,000, with a concession phasing out at $450,000.",
              "source": "https://www.revenue.nsw.gov.au/property-professionals-resource-centre/guides-rulings-cpns/topics/first-home-buyers-assistance-scheme-guide/overview"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 182.73,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.nswlrs.com.au/assets/f/1129775276948026/x/5fed3e7cd6/2026-2027_nsw-lrs-fees_final.pdf"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 182.73,
              "basis": "Land registry fee to register the transfer: $182.73 base plus $0.00 per $10,000.00 (or part) above $0.00.",
              "source": "https://www.nswlrs.com.au/assets/f/1129775276948026/x/5fed3e7cd6/2026-2027_nsw-lrs-fees_final.pdf"
            }
          ],
          "dutyPayable": 7033.5,
          "crossCheck": {
            "status": "matches-official-example",
            "source": "https://www.revenue.nsw.gov.au/grants-schemes/assistance-scheme",
            "checkedAt": "2026-07-09"
          }
        },
        {
          "id": "investor-700k",
          "title": "$700,000 established home, investor",
          "price": 700000,
          "propertyType": "established",
          "purpose": "investment",
          "firstHomeBuyer": false,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 25687,
              "basis": "Calculated from the published NSW transfer duty brackets on a dutiable value of $700,000.00.",
              "source": "https://www.revenue.nsw.gov.au/taxes-duties-levies-royalties/transfer-duty/understanding-transfer-duty/calculate-transfer-duty"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 182.73,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.nswlrs.com.au/assets/f/1129775276948026/x/5fed3e7cd6/2026-2027_nsw-lrs-fees_final.pdf"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 182.73,
              "basis": "Land registry fee to register the transfer: $182.73 base plus $0.00 per $10,000.00 (or part) above $0.00.",
              "source": "https://www.nswlrs.com.au/assets/f/1129775276948026/x/5fed3e7cd6/2026-2027_nsw-lrs-fees_final.pdf"
            }
          ],
          "dutyPayable": 25687,
          "crossCheck": {
            "status": "matches-official-example",
            "source": "https://www.revenue.nsw.gov.au/taxes-duties-levies-royalties/transfer-duty/understanding-transfer-duty/calculate-transfer-duty",
            "checkedAt": "2026-07-09"
          }
        }
      ]
    },
    {
      "code": "VIC",
      "name": "Victoria",
      "url": "https://raynorlendingsolutions.com.au/lending-reference/stamp-duty-vic.html",
      "dataUrl": "https://raynorlendingsolutions.com.au/lending-reference/vic.json",
      "grantsPageUrl": "https://raynorlendingsolutions.com.au/grants-vic.html",
      "slug": "vic",
      "rulesCheckedAt": "2026-07-10",
      "recheckedAt": "2026-09-26",
      "transferDuty": {
        "effectiveFrom": "2021-07-01",
        "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-non-principal-place-residence-current-rates",
        "checkedAt": "2026-07-10",
        "status": "verified",
        "minimumDuty": null,
        "rows": [
          {
            "from": 0,
            "fromInclusive": true,
            "to": 25000,
            "toInclusive": true,
            "range": "Up to $25,000",
            "rule": "$1.40 per $100"
          },
          {
            "from": 25000,
            "fromInclusive": false,
            "to": 130000,
            "toInclusive": true,
            "range": "Over $25,000 up to $130,000",
            "rule": "$350 plus $2.40 per $100 over $25,000"
          },
          {
            "from": 130000,
            "fromInclusive": false,
            "to": 960000,
            "toInclusive": true,
            "range": "Over $130,000 up to $960,000",
            "rule": "$2,870 plus $6 per $100 over $130,000"
          },
          {
            "from": 960000,
            "fromInclusive": false,
            "to": 2000000,
            "toInclusive": true,
            "range": "Over $960,000 up to $2,000,000",
            "rule": "$5.50 per $100 of the full dutiable value"
          },
          {
            "from": 2000000,
            "fromInclusive": false,
            "to": null,
            "toInclusive": null,
            "range": "Over $2,000,000",
            "rule": "$110,000 plus $6.50 per $100 over $2,000,000"
          }
        ]
      },
      "homeConcession": {
        "label": "Transfer duty (principal place of residence rates)",
        "summary": "Concessional PPR rates apply up to $550,000 for a home you live in; above that the general rates apply.",
        "appliesTo": [
          "established",
          "new"
        ],
        "effectiveFrom": "2008-05-06",
        "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-principal-place-residence-current-rates",
        "checkedAt": "2026-07-10",
        "status": "verified",
        "rows": [
          {
            "from": 0,
            "fromInclusive": true,
            "to": 25000,
            "toInclusive": true,
            "range": "Up to $25,000",
            "rule": "$1.40 per $100"
          },
          {
            "from": 25000,
            "fromInclusive": false,
            "to": 130000,
            "toInclusive": true,
            "range": "Over $25,000 up to $130,000",
            "rule": "$350 plus $2.40 per $100 over $25,000"
          },
          {
            "from": 130000,
            "fromInclusive": false,
            "to": 440000,
            "toInclusive": true,
            "range": "Over $130,000 up to $440,000",
            "rule": "$2,870 plus $5 per $100 over $130,000"
          },
          {
            "from": 440000,
            "fromInclusive": false,
            "to": 550000,
            "toInclusive": true,
            "range": "Over $440,000 up to $550,000",
            "rule": "$18,370 plus $6 per $100 over $440,000"
          },
          {
            "from": 550000,
            "fromInclusive": false,
            "to": 960000,
            "toInclusive": true,
            "range": "Over $550,000 up to $960,000",
            "rule": "$28,070 plus $6 per $100 over $550,000"
          },
          {
            "from": 960000,
            "fromInclusive": false,
            "to": 2000000,
            "toInclusive": true,
            "range": "Over $960,000 up to $2,000,000",
            "rule": "$5.50 per $100 of the full dutiable value"
          },
          {
            "from": 2000000,
            "fromInclusive": false,
            "to": null,
            "toInclusive": null,
            "range": "Over $2,000,000",
            "rule": "$110,000 plus $6.50 per $100 over $2,000,000"
          }
        ]
      },
      "firstHome": {
        "label": "First home buyer duty exemption/concession",
        "summary": "Full exemption up to $600,000; between $600,001 and $750,000 the duty is reduced on a sliding scale (Duties Act 2000 (Vic) s 57JA).",
        "thresholds": [
          {
            "propertyType": "established",
            "fullExemptionUpTo": 600000,
            "concessionEndsAt": 750000,
            "note": "Sliding-scale concession between the two values",
            "propertyTypeLabel": "established home"
          },
          {
            "propertyType": "new",
            "fullExemptionUpTo": 600000,
            "concessionEndsAt": 750000,
            "note": "Sliding-scale concession between the two values",
            "propertyTypeLabel": "new home"
          },
          {
            "propertyType": "vacant-land",
            "fullExemptionUpTo": 600000,
            "concessionEndsAt": 750000,
            "note": "Sliding-scale concession between the two values",
            "propertyTypeLabel": "vacant land"
          }
        ],
        "notes": [],
        "effectiveFrom": "2017-07-01",
        "source": "https://www.sro.vic.gov.au/buying-property/land-transfer-stamp-duty/concessions-exemptions-and-waivers/first-home-buyers/first-home-buyer-duty-exemption-or-concession; https://classic.austlii.edu.au/au/legis/vic/consol_act/da200093/s57ja.html",
        "checkedAt": "2026-07-10",
        "status": "verified"
      },
      "registryFees": {
        "mortgageRegistrationFee": 129.2,
        "effectiveFrom": "2026-07-01",
        "source": "https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees",
        "checkedAt": "2026-07-10",
        "status": "verified"
      },
      "priceCaps": {
        "fivePercentDepositScheme": {
          "capitalAndRegionalCentres": 950000,
          "restOfState": 650000,
          "source": "https://firsthomebuyers.gov.au/australian-government-5-percent-deposit-scheme/property-price-caps",
          "checkedAt": "2026-07-12"
        },
        "helpToBuy": {
          "capitalAndRegionalCentres": 950000,
          "restOfState": 650000,
          "source": "https://firsthomebuyers.gov.au/help-buy-tools-and-resources/help-buy-property-price-caps",
          "checkedAt": "2026-07-10"
        }
      },
      "otherRules": [],
      "dutyAtCommonPrices": [
        {
          "price": 300000,
          "results": {
            "investor": {
              "transferDuty": 13070,
              "firstHomeConcession": 0,
              "dutyPayable": 13070,
              "transferRegistrationFee": 807,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 11370,
              "firstHomeConcession": 0,
              "dutyPayable": 11370,
              "transferRegistrationFee": 807,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 11370,
              "firstHomeConcession": 11370,
              "dutyPayable": 0,
              "transferRegistrationFee": 807,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 11370,
              "firstHomeConcession": 11370,
              "dutyPayable": 0,
              "transferRegistrationFee": 807,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 350000,
          "results": {
            "investor": {
              "transferDuty": 16070,
              "firstHomeConcession": 0,
              "dutyPayable": 16070,
              "transferRegistrationFee": 924,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 13870,
              "firstHomeConcession": 0,
              "dutyPayable": 13870,
              "transferRegistrationFee": 924,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 13870,
              "firstHomeConcession": 13870,
              "dutyPayable": 0,
              "transferRegistrationFee": 924,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 13870,
              "firstHomeConcession": 13870,
              "dutyPayable": 0,
              "transferRegistrationFee": 924,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 400000,
          "results": {
            "investor": {
              "transferDuty": 19070,
              "firstHomeConcession": 0,
              "dutyPayable": 19070,
              "transferRegistrationFee": 1041,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 16370,
              "firstHomeConcession": 0,
              "dutyPayable": 16370,
              "transferRegistrationFee": 1041,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 16370,
              "firstHomeConcession": 16370,
              "dutyPayable": 0,
              "transferRegistrationFee": 1041,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 16370,
              "firstHomeConcession": 16370,
              "dutyPayable": 0,
              "transferRegistrationFee": 1041,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 450000,
          "results": {
            "investor": {
              "transferDuty": 22070,
              "firstHomeConcession": 0,
              "dutyPayable": 22070,
              "transferRegistrationFee": 1158,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 18970,
              "firstHomeConcession": 0,
              "dutyPayable": 18970,
              "transferRegistrationFee": 1158,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 18970,
              "firstHomeConcession": 18970,
              "dutyPayable": 0,
              "transferRegistrationFee": 1158,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 18970,
              "firstHomeConcession": 18970,
              "dutyPayable": 0,
              "transferRegistrationFee": 1158,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 500000,
          "results": {
            "investor": {
              "transferDuty": 25070,
              "firstHomeConcession": 0,
              "dutyPayable": 25070,
              "transferRegistrationFee": 1275,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 21970,
              "firstHomeConcession": 0,
              "dutyPayable": 21970,
              "transferRegistrationFee": 1275,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 21970,
              "firstHomeConcession": 21970,
              "dutyPayable": 0,
              "transferRegistrationFee": 1275,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 21970,
              "firstHomeConcession": 21970,
              "dutyPayable": 0,
              "transferRegistrationFee": 1275,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 550000,
          "results": {
            "investor": {
              "transferDuty": 28070,
              "firstHomeConcession": 0,
              "dutyPayable": 28070,
              "transferRegistrationFee": 1392,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 24970,
              "firstHomeConcession": 0,
              "dutyPayable": 24970,
              "transferRegistrationFee": 1392,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 24970,
              "firstHomeConcession": 24970,
              "dutyPayable": 0,
              "transferRegistrationFee": 1392,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 24970,
              "firstHomeConcession": 24970,
              "dutyPayable": 0,
              "transferRegistrationFee": 1392,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 600000,
          "results": {
            "investor": {
              "transferDuty": 31070,
              "firstHomeConcession": 0,
              "dutyPayable": 31070,
              "transferRegistrationFee": 1509,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 31070,
              "firstHomeConcession": 0,
              "dutyPayable": 31070,
              "transferRegistrationFee": 1509,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 31070,
              "firstHomeConcession": 31070,
              "dutyPayable": 0,
              "transferRegistrationFee": 1509,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 31070,
              "firstHomeConcession": 31070,
              "dutyPayable": 0,
              "transferRegistrationFee": 1509,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 650000,
          "results": {
            "investor": {
              "transferDuty": 34070,
              "firstHomeConcession": 0,
              "dutyPayable": 34070,
              "transferRegistrationFee": 1626,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 34070,
              "firstHomeConcession": 0,
              "dutyPayable": 34070,
              "transferRegistrationFee": 1626,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 34070,
              "firstHomeConcession": 22713.33,
              "dutyPayable": 11356.67,
              "transferRegistrationFee": 1626,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 34070,
              "firstHomeConcession": 22713.33,
              "dutyPayable": 11356.67,
              "transferRegistrationFee": 1626,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 700000,
          "results": {
            "investor": {
              "transferDuty": 37070,
              "firstHomeConcession": 0,
              "dutyPayable": 37070,
              "transferRegistrationFee": 1743,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 37070,
              "firstHomeConcession": 0,
              "dutyPayable": 37070,
              "transferRegistrationFee": 1743,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 37070,
              "firstHomeConcession": 12356.67,
              "dutyPayable": 24713.33,
              "transferRegistrationFee": 1743,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 37070,
              "firstHomeConcession": 12356.67,
              "dutyPayable": 24713.33,
              "transferRegistrationFee": 1743,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 750000,
          "results": {
            "investor": {
              "transferDuty": 40070,
              "firstHomeConcession": 0,
              "dutyPayable": 40070,
              "transferRegistrationFee": 1860,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 40070,
              "firstHomeConcession": 0,
              "dutyPayable": 40070,
              "transferRegistrationFee": 1860,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 40070,
              "firstHomeConcession": 0,
              "dutyPayable": 40070,
              "transferRegistrationFee": 1860,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 40070,
              "firstHomeConcession": 0,
              "dutyPayable": 40070,
              "transferRegistrationFee": 1860,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 800000,
          "results": {
            "investor": {
              "transferDuty": 43070,
              "firstHomeConcession": 0,
              "dutyPayable": 43070,
              "transferRegistrationFee": 1977,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 43070,
              "firstHomeConcession": 0,
              "dutyPayable": 43070,
              "transferRegistrationFee": 1977,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 43070,
              "firstHomeConcession": 0,
              "dutyPayable": 43070,
              "transferRegistrationFee": 1977,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 43070,
              "firstHomeConcession": 0,
              "dutyPayable": 43070,
              "transferRegistrationFee": 1977,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 850000,
          "results": {
            "investor": {
              "transferDuty": 46070,
              "firstHomeConcession": 0,
              "dutyPayable": 46070,
              "transferRegistrationFee": 2094,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 46070,
              "firstHomeConcession": 0,
              "dutyPayable": 46070,
              "transferRegistrationFee": 2094,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 46070,
              "firstHomeConcession": 0,
              "dutyPayable": 46070,
              "transferRegistrationFee": 2094,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 46070,
              "firstHomeConcession": 0,
              "dutyPayable": 46070,
              "transferRegistrationFee": 2094,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 900000,
          "results": {
            "investor": {
              "transferDuty": 49070,
              "firstHomeConcession": 0,
              "dutyPayable": 49070,
              "transferRegistrationFee": 2211,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 49070,
              "firstHomeConcession": 0,
              "dutyPayable": 49070,
              "transferRegistrationFee": 2211,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 49070,
              "firstHomeConcession": 0,
              "dutyPayable": 49070,
              "transferRegistrationFee": 2211,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 49070,
              "firstHomeConcession": 0,
              "dutyPayable": 49070,
              "transferRegistrationFee": 2211,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 950000,
          "results": {
            "investor": {
              "transferDuty": 52070,
              "firstHomeConcession": 0,
              "dutyPayable": 52070,
              "transferRegistrationFee": 2328,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 52070,
              "firstHomeConcession": 0,
              "dutyPayable": 52070,
              "transferRegistrationFee": 2328,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 52070,
              "firstHomeConcession": 0,
              "dutyPayable": 52070,
              "transferRegistrationFee": 2328,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 52070,
              "firstHomeConcession": 0,
              "dutyPayable": 52070,
              "transferRegistrationFee": 2328,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1000000,
          "results": {
            "investor": {
              "transferDuty": 55000,
              "firstHomeConcession": 0,
              "dutyPayable": 55000,
              "transferRegistrationFee": 2445,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 55000,
              "firstHomeConcession": 0,
              "dutyPayable": 55000,
              "transferRegistrationFee": 2445,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 55000,
              "firstHomeConcession": 0,
              "dutyPayable": 55000,
              "transferRegistrationFee": 2445,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 55000,
              "firstHomeConcession": 0,
              "dutyPayable": 55000,
              "transferRegistrationFee": 2445,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1050000,
          "results": {
            "investor": {
              "transferDuty": 57750,
              "firstHomeConcession": 0,
              "dutyPayable": 57750,
              "transferRegistrationFee": 2562,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 57750,
              "firstHomeConcession": 0,
              "dutyPayable": 57750,
              "transferRegistrationFee": 2562,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 57750,
              "firstHomeConcession": 0,
              "dutyPayable": 57750,
              "transferRegistrationFee": 2562,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 57750,
              "firstHomeConcession": 0,
              "dutyPayable": 57750,
              "transferRegistrationFee": 2562,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1100000,
          "results": {
            "investor": {
              "transferDuty": 60500,
              "firstHomeConcession": 0,
              "dutyPayable": 60500,
              "transferRegistrationFee": 2679,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 60500,
              "firstHomeConcession": 0,
              "dutyPayable": 60500,
              "transferRegistrationFee": 2679,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 60500,
              "firstHomeConcession": 0,
              "dutyPayable": 60500,
              "transferRegistrationFee": 2679,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 60500,
              "firstHomeConcession": 0,
              "dutyPayable": 60500,
              "transferRegistrationFee": 2679,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1150000,
          "results": {
            "investor": {
              "transferDuty": 63250,
              "firstHomeConcession": 0,
              "dutyPayable": 63250,
              "transferRegistrationFee": 2796,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 63250,
              "firstHomeConcession": 0,
              "dutyPayable": 63250,
              "transferRegistrationFee": 2796,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 63250,
              "firstHomeConcession": 0,
              "dutyPayable": 63250,
              "transferRegistrationFee": 2796,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 63250,
              "firstHomeConcession": 0,
              "dutyPayable": 63250,
              "transferRegistrationFee": 2796,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1200000,
          "results": {
            "investor": {
              "transferDuty": 66000,
              "firstHomeConcession": 0,
              "dutyPayable": 66000,
              "transferRegistrationFee": 2913,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 66000,
              "firstHomeConcession": 0,
              "dutyPayable": 66000,
              "transferRegistrationFee": 2913,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 66000,
              "firstHomeConcession": 0,
              "dutyPayable": 66000,
              "transferRegistrationFee": 2913,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 66000,
              "firstHomeConcession": 0,
              "dutyPayable": 66000,
              "transferRegistrationFee": 2913,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1250000,
          "results": {
            "investor": {
              "transferDuty": 68750,
              "firstHomeConcession": 0,
              "dutyPayable": 68750,
              "transferRegistrationFee": 3030,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 68750,
              "firstHomeConcession": 0,
              "dutyPayable": 68750,
              "transferRegistrationFee": 3030,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 68750,
              "firstHomeConcession": 0,
              "dutyPayable": 68750,
              "transferRegistrationFee": 3030,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 68750,
              "firstHomeConcession": 0,
              "dutyPayable": 68750,
              "transferRegistrationFee": 3030,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1300000,
          "results": {
            "investor": {
              "transferDuty": 71500,
              "firstHomeConcession": 0,
              "dutyPayable": 71500,
              "transferRegistrationFee": 3147,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 71500,
              "firstHomeConcession": 0,
              "dutyPayable": 71500,
              "transferRegistrationFee": 3147,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 71500,
              "firstHomeConcession": 0,
              "dutyPayable": 71500,
              "transferRegistrationFee": 3147,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 71500,
              "firstHomeConcession": 0,
              "dutyPayable": 71500,
              "transferRegistrationFee": 3147,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1350000,
          "results": {
            "investor": {
              "transferDuty": 74250,
              "firstHomeConcession": 0,
              "dutyPayable": 74250,
              "transferRegistrationFee": 3264,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 74250,
              "firstHomeConcession": 0,
              "dutyPayable": 74250,
              "transferRegistrationFee": 3264,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 74250,
              "firstHomeConcession": 0,
              "dutyPayable": 74250,
              "transferRegistrationFee": 3264,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 74250,
              "firstHomeConcession": 0,
              "dutyPayable": 74250,
              "transferRegistrationFee": 3264,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1400000,
          "results": {
            "investor": {
              "transferDuty": 77000,
              "firstHomeConcession": 0,
              "dutyPayable": 77000,
              "transferRegistrationFee": 3381,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 77000,
              "firstHomeConcession": 0,
              "dutyPayable": 77000,
              "transferRegistrationFee": 3381,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 77000,
              "firstHomeConcession": 0,
              "dutyPayable": 77000,
              "transferRegistrationFee": 3381,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 77000,
              "firstHomeConcession": 0,
              "dutyPayable": 77000,
              "transferRegistrationFee": 3381,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1450000,
          "results": {
            "investor": {
              "transferDuty": 79750,
              "firstHomeConcession": 0,
              "dutyPayable": 79750,
              "transferRegistrationFee": 3498,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 79750,
              "firstHomeConcession": 0,
              "dutyPayable": 79750,
              "transferRegistrationFee": 3498,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 79750,
              "firstHomeConcession": 0,
              "dutyPayable": 79750,
              "transferRegistrationFee": 3498,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 79750,
              "firstHomeConcession": 0,
              "dutyPayable": 79750,
              "transferRegistrationFee": 3498,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1500000,
          "results": {
            "investor": {
              "transferDuty": 82500,
              "firstHomeConcession": 0,
              "dutyPayable": 82500,
              "transferRegistrationFee": 3614,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 82500,
              "firstHomeConcession": 0,
              "dutyPayable": 82500,
              "transferRegistrationFee": 3614,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 82500,
              "firstHomeConcession": 0,
              "dutyPayable": 82500,
              "transferRegistrationFee": 3614,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 82500,
              "firstHomeConcession": 0,
              "dutyPayable": 82500,
              "transferRegistrationFee": 3614,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1750000,
          "results": {
            "investor": {
              "transferDuty": 96250,
              "firstHomeConcession": 0,
              "dutyPayable": 96250,
              "transferRegistrationFee": 3614,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 96250,
              "firstHomeConcession": 0,
              "dutyPayable": 96250,
              "transferRegistrationFee": 3614,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 96250,
              "firstHomeConcession": 0,
              "dutyPayable": 96250,
              "transferRegistrationFee": 3614,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 96250,
              "firstHomeConcession": 0,
              "dutyPayable": 96250,
              "transferRegistrationFee": 3614,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 2000000,
          "results": {
            "investor": {
              "transferDuty": 110000,
              "firstHomeConcession": 0,
              "dutyPayable": 110000,
              "transferRegistrationFee": 3614,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 110000,
              "firstHomeConcession": 0,
              "dutyPayable": 110000,
              "transferRegistrationFee": 3614,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 110000,
              "firstHomeConcession": 0,
              "dutyPayable": 110000,
              "transferRegistrationFee": 3614,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 110000,
              "firstHomeConcession": 0,
              "dutyPayable": 110000,
              "transferRegistrationFee": 3614,
              "mortgageRegistrationFee": 129.2,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        }
      ],
      "workedExamples": [
        {
          "id": "fhb-established-600k",
          "title": "$600,000 established home, first home buyer",
          "price": 600000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": true,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty (home concession rate)",
              "amount": 31070,
              "basis": "Concessional PPR rates apply up to $550,000 for a home you live in; above that the general rates apply. Calculated on a dutiable value of $600,000.00.",
              "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-principal-place-residence-current-rates"
            },
            {
              "id": "first-home-concession",
              "label": "First home buyer duty exemption/concession",
              "amount": -31070,
              "basis": "Full exemption up to $600,000; between $600,001 and $750,000 the duty is reduced on a sliding scale (Duties Act 2000 (Vic) s 57JA).",
              "source": "https://www.sro.vic.gov.au/buying-property/land-transfer-stamp-duty/concessions-exemptions-and-waivers/first-home-buyers/first-home-buyer-duty-exemption-or-concession; https://classic.austlii.edu.au/au/legis/vic/consol_act/da200093/s57ja.html"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 129.2,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 1509,
              "basis": "Land registry fee to register the transfer: $104.30 base plus $2.34 per whole $1,000.00 above $0.00, capped at $3,614.00, then rounded up to the next whole dollar.",
              "source": "https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees"
            }
          ],
          "dutyPayable": 0,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-principal-place-residence-current-rates,",
            "checkedAt": "2026-07-10"
          }
        },
        {
          "id": "fhb-established-700k",
          "title": "$700,000 established home, first home buyer",
          "price": 700000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": true,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty (home concession rate)",
              "amount": 37070,
              "basis": "Concessional PPR rates apply up to $550,000 for a home you live in; above that the general rates apply. Calculated on a dutiable value of $700,000.00.",
              "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-principal-place-residence-current-rates"
            },
            {
              "id": "first-home-concession",
              "label": "First home buyer duty exemption/concession",
              "amount": -12356.67,
              "basis": "Full exemption up to $600,000; between $600,001 and $750,000 the duty is reduced on a sliding scale (Duties Act 2000 (Vic) s 57JA).",
              "source": "https://www.sro.vic.gov.au/buying-property/land-transfer-stamp-duty/concessions-exemptions-and-waivers/first-home-buyers/first-home-buyer-duty-exemption-or-concession; https://classic.austlii.edu.au/au/legis/vic/consol_act/da200093/s57ja.html"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 129.2,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 1743,
              "basis": "Land registry fee to register the transfer: $104.30 base plus $2.34 per whole $1,000.00 above $0.00, capped at $3,614.00, then rounded up to the next whole dollar.",
              "source": "https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees"
            }
          ],
          "dutyPayable": 24713.33,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-principal-place-residence-current-rates,",
            "checkedAt": "2026-07-10"
          }
        },
        {
          "id": "fhb-established-750k",
          "title": "$750,000 established home, first home buyer",
          "price": 750000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": true,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty (home concession rate)",
              "amount": 40070,
              "basis": "Concessional PPR rates apply up to $550,000 for a home you live in; above that the general rates apply. Calculated on a dutiable value of $750,000.00.",
              "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-principal-place-residence-current-rates"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 129.2,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 1860,
              "basis": "Land registry fee to register the transfer: $104.30 base plus $2.34 per whole $1,000.00 above $0.00, capped at $3,614.00, then rounded up to the next whole dollar.",
              "source": "https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees"
            }
          ],
          "dutyPayable": 40070,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-principal-place-residence-current-rates,",
            "checkedAt": "2026-07-10"
          }
        },
        {
          "id": "fhb-vacant-land-500k",
          "title": "$500,000 vacant land, first home buyer",
          "price": 500000,
          "propertyType": "vacant-land",
          "purpose": "owner-occupied",
          "firstHomeBuyer": true,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 25070,
              "basis": "Calculated from the published VIC transfer duty brackets on a dutiable value of $500,000.00.",
              "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-non-principal-place-residence-current-rates"
            },
            {
              "id": "first-home-concession",
              "label": "First home buyer duty exemption/concession",
              "amount": -25070,
              "basis": "Full exemption up to $600,000; between $600,001 and $750,000 the duty is reduced on a sliding scale (Duties Act 2000 (Vic) s 57JA).",
              "source": "https://www.sro.vic.gov.au/buying-property/land-transfer-stamp-duty/concessions-exemptions-and-waivers/first-home-buyers/first-home-buyer-duty-exemption-or-concession; https://classic.austlii.edu.au/au/legis/vic/consol_act/da200093/s57ja.html"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 129.2,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 1275,
              "basis": "Land registry fee to register the transfer: $104.30 base plus $2.34 per whole $1,000.00 above $0.00, capped at $3,614.00, then rounded up to the next whole dollar.",
              "source": "https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees"
            }
          ],
          "dutyPayable": 0,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-non-principal-place-residence-current-rates,",
            "checkedAt": "2026-07-10"
          }
        },
        {
          "id": "investor-established-1200k",
          "title": "$1,200,000 established home, investor",
          "price": 1200000,
          "propertyType": "established",
          "purpose": "investment",
          "firstHomeBuyer": false,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 66000,
              "basis": "Calculated from the published VIC transfer duty brackets on a dutiable value of $1,200,000.00.",
              "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-non-principal-place-residence-current-rates"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 129.2,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 2913,
              "basis": "Land registry fee to register the transfer: $104.30 base plus $2.34 per whole $1,000.00 above $0.00, capped at $3,614.00, then rounded up to the next whole dollar.",
              "source": "https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees"
            }
          ],
          "dutyPayable": 66000,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-non-principal-place-residence-current-rates",
            "checkedAt": "2026-07-10"
          }
        },
        {
          "id": "investor-established-3m",
          "title": "$3,000,000 established home, investor",
          "price": 3000000,
          "propertyType": "established",
          "purpose": "investment",
          "firstHomeBuyer": false,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 175000,
              "basis": "Calculated from the published VIC transfer duty brackets on a dutiable value of $3,000,000.00.",
              "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-non-principal-place-residence-current-rates"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 129.2,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 3614,
              "basis": "Land registry fee to register the transfer: $104.30 base plus $2.34 per whole $1,000.00 above $0.00, capped at $3,614.00, then rounded up to the next whole dollar.",
              "source": "https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees"
            }
          ],
          "dutyPayable": 175000,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-non-principal-place-residence-current-rates",
            "checkedAt": "2026-07-10"
          }
        },
        {
          "id": "investor-established-700k",
          "title": "$700,000 established home, investor",
          "price": 700000,
          "propertyType": "established",
          "purpose": "investment",
          "firstHomeBuyer": false,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 37070,
              "basis": "Calculated from the published VIC transfer duty brackets on a dutiable value of $700,000.00.",
              "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-non-principal-place-residence-current-rates"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 129.2,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 1743,
              "basis": "Land registry fee to register the transfer: $104.30 base plus $2.34 per whole $1,000.00 above $0.00, capped at $3,614.00, then rounded up to the next whole dollar.",
              "source": "https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees"
            }
          ],
          "dutyPayable": 37070,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-non-principal-place-residence-current-rates",
            "checkedAt": "2026-07-10"
          }
        },
        {
          "id": "ppr-established-500k",
          "title": "$500,000 established home, home buyer, not a first home buyer",
          "price": 500000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": false,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty (home concession rate)",
              "amount": 21970,
              "basis": "Concessional PPR rates apply up to $550,000 for a home you live in; above that the general rates apply. Calculated on a dutiable value of $500,000.00.",
              "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-principal-place-residence-current-rates"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 129.2,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 1275,
              "basis": "Land registry fee to register the transfer: $104.30 base plus $2.34 per whole $1,000.00 above $0.00, capped at $3,614.00, then rounded up to the next whole dollar.",
              "source": "https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees"
            }
          ],
          "dutyPayable": 21970,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-principal-place-residence-current-rates",
            "checkedAt": "2026-07-10"
          }
        },
        {
          "id": "ppr-established-550k",
          "title": "$550,000 established home, home buyer, not a first home buyer",
          "price": 550000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": false,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty (home concession rate)",
              "amount": 24970,
              "basis": "Concessional PPR rates apply up to $550,000 for a home you live in; above that the general rates apply. Calculated on a dutiable value of $550,000.00.",
              "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-principal-place-residence-current-rates"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 129.2,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 1392,
              "basis": "Land registry fee to register the transfer: $104.30 base plus $2.34 per whole $1,000.00 above $0.00, capped at $3,614.00, then rounded up to the next whole dollar.",
              "source": "https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees"
            }
          ],
          "dutyPayable": 24970,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-principal-place-residence-current-rates",
            "checkedAt": "2026-07-10"
          }
        }
      ]
    },
    {
      "code": "WA",
      "name": "Western Australia",
      "url": "https://raynorlendingsolutions.com.au/lending-reference/stamp-duty-wa.html",
      "dataUrl": "https://raynorlendingsolutions.com.au/lending-reference/wa.json",
      "grantsPageUrl": "https://raynorlendingsolutions.com.au/grants-wa.html",
      "slug": "wa",
      "rulesCheckedAt": "2026-07-12",
      "recheckedAt": "2026-09-26",
      "transferDuty": {
        "effectiveFrom": "2008-07-01",
        "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment",
        "checkedAt": "2026-07-12",
        "status": "verified",
        "minimumDuty": null,
        "rows": [
          {
            "from": 0,
            "fromInclusive": true,
            "to": 120000,
            "toInclusive": true,
            "range": "Up to $120,000",
            "rule": "$1.90 per $100 or part of $100"
          },
          {
            "from": 120000,
            "fromInclusive": false,
            "to": 150000,
            "toInclusive": true,
            "range": "Over $120,000 up to $150,000",
            "rule": "$2,280 plus $2.85 per $100 or part of $100 over $120,000"
          },
          {
            "from": 150000,
            "fromInclusive": false,
            "to": 360000,
            "toInclusive": true,
            "range": "Over $150,000 up to $360,000",
            "rule": "$3,135 plus $3.80 per $100 or part of $100 over $150,000"
          },
          {
            "from": 360000,
            "fromInclusive": false,
            "to": 725000,
            "toInclusive": true,
            "range": "Over $360,000 up to $725,000",
            "rule": "$11,115 plus $4.75 per $100 or part of $100 over $360,000"
          },
          {
            "from": 725000,
            "fromInclusive": false,
            "to": null,
            "toInclusive": null,
            "range": "Over $725,000",
            "rule": "$28,453 plus $5.15 per $100 or part of $100 over $725,000"
          }
        ]
      },
      "homeConcession": {
        "label": "Concessional owner-occupier rate",
        "summary": "WA charges a concessional duty rate on owner-occupied homes valued up to $200,000 ($1.50 per $100 to $120,000, then $4.04 per $100). Above $200,000 duty reverts to the standard residential rates shown.",
        "appliesTo": [
          "established",
          "new"
        ],
        "effectiveFrom": "2008-07-01",
        "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment",
        "checkedAt": "2026-07-12",
        "status": "verified",
        "rows": [
          {
            "from": 0,
            "fromInclusive": true,
            "to": 120000,
            "toInclusive": true,
            "range": "Up to $120,000",
            "rule": "$1.50 per $100 or part of $100"
          },
          {
            "from": 120000,
            "fromInclusive": false,
            "to": 200000,
            "toInclusive": true,
            "range": "Over $120,000 up to $200,000",
            "rule": "$1,800 plus $4.04 per $100 or part of $100 over $120,000"
          },
          {
            "from": 200000,
            "fromInclusive": false,
            "to": 360000,
            "toInclusive": true,
            "range": "Over $200,000 up to $360,000",
            "rule": "$5,035 plus $3.80 per $100 or part of $100 over $200,000"
          },
          {
            "from": 360000,
            "fromInclusive": false,
            "to": 725000,
            "toInclusive": true,
            "range": "Over $360,000 up to $725,000",
            "rule": "$11,115 plus $4.75 per $100 or part of $100 over $360,000"
          },
          {
            "from": 725000,
            "fromInclusive": false,
            "to": null,
            "toInclusive": null,
            "range": "Over $725,000",
            "rule": "$28,453 plus $5.15 per $100 or part of $100 over $725,000"
          }
        ]
      },
      "firstHome": {
        "label": "First home owner rate of duty",
        "summary": "Eligible first home buyers pay no duty up to $600,000 for a home ($450,000 for vacant land), then $16.15 per $100 above $600,000 up to $800,000 ($20.14 per $100 above $450,000 up to $550,000 for land). Above those values the general rates apply. The rates apply statewide to transactions from 7 May 2026.",
        "thresholds": [
          {
            "propertyType": "established",
            "fullExemptionUpTo": 600000,
            "concessionEndsAt": 800000,
            "note": "$16.15 per $100 above the exemption value, up to the cap",
            "propertyTypeLabel": "established home"
          },
          {
            "propertyType": "new",
            "fullExemptionUpTo": 600000,
            "concessionEndsAt": 800000,
            "note": "$16.15 per $100 above the exemption value, up to the cap",
            "propertyTypeLabel": "new home"
          },
          {
            "propertyType": "vacant-land",
            "fullExemptionUpTo": 450000,
            "concessionEndsAt": 550000,
            "note": "$20.14 per $100 above the exemption value, up to the cap",
            "propertyTypeLabel": "vacant land"
          }
        ],
        "notes": [],
        "effectiveFrom": "2026-05-07",
        "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment",
        "checkedAt": "2026-09-26",
        "status": "verified"
      },
      "registryFees": {
        "mortgageRegistrationFee": 225.1,
        "effectiveFrom": "2026-07-01",
        "source": "https://www.landgate.wa.gov.au/land-and-property/land-transactions-hub/land-transaction-fees/",
        "checkedAt": "2026-07-12",
        "status": "verified"
      },
      "priceCaps": {
        "fivePercentDepositScheme": {
          "capitalAndRegionalCentres": 850000,
          "restOfState": 600000,
          "source": "https://firsthomebuyers.gov.au/australian-government-5-percent-deposit-scheme/property-price-caps",
          "checkedAt": "2026-07-12"
        },
        "helpToBuy": {
          "capitalAndRegionalCentres": 850000,
          "restOfState": 600000,
          "source": "https://firsthomebuyers.gov.au/help-buy-tools-and-resources/help-buy-property-price-caps",
          "checkedAt": "2026-07-10"
        }
      },
      "otherRules": [],
      "dutyAtCommonPrices": [
        {
          "price": 300000,
          "results": {
            "investor": {
              "transferDuty": 8835,
              "firstHomeConcession": 0,
              "dutyPayable": 8835,
              "transferRegistrationFee": 275.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 8835,
              "firstHomeConcession": 0,
              "dutyPayable": 8835,
              "transferRegistrationFee": 275.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 8835,
              "firstHomeConcession": 8835,
              "dutyPayable": 0,
              "transferRegistrationFee": 275.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 8835,
              "firstHomeConcession": 8835,
              "dutyPayable": 0,
              "transferRegistrationFee": 275.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 350000,
          "results": {
            "investor": {
              "transferDuty": 10735,
              "firstHomeConcession": 0,
              "dutyPayable": 10735,
              "transferRegistrationFee": 295.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 10735,
              "firstHomeConcession": 0,
              "dutyPayable": 10735,
              "transferRegistrationFee": 295.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 10735,
              "firstHomeConcession": 10735,
              "dutyPayable": 0,
              "transferRegistrationFee": 295.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 10735,
              "firstHomeConcession": 10735,
              "dutyPayable": 0,
              "transferRegistrationFee": 295.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 400000,
          "results": {
            "investor": {
              "transferDuty": 13015,
              "firstHomeConcession": 0,
              "dutyPayable": 13015,
              "transferRegistrationFee": 295.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 13015,
              "firstHomeConcession": 0,
              "dutyPayable": 13015,
              "transferRegistrationFee": 295.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 13015,
              "firstHomeConcession": 13015,
              "dutyPayable": 0,
              "transferRegistrationFee": 295.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 13015,
              "firstHomeConcession": 13015,
              "dutyPayable": 0,
              "transferRegistrationFee": 295.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 450000,
          "results": {
            "investor": {
              "transferDuty": 15390,
              "firstHomeConcession": 0,
              "dutyPayable": 15390,
              "transferRegistrationFee": 315.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 15390,
              "firstHomeConcession": 0,
              "dutyPayable": 15390,
              "transferRegistrationFee": 315.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 15390,
              "firstHomeConcession": 15390,
              "dutyPayable": 0,
              "transferRegistrationFee": 315.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 15390,
              "firstHomeConcession": 15390,
              "dutyPayable": 0,
              "transferRegistrationFee": 315.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 500000,
          "results": {
            "investor": {
              "transferDuty": 17765,
              "firstHomeConcession": 0,
              "dutyPayable": 17765,
              "transferRegistrationFee": 315.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 17765,
              "firstHomeConcession": 0,
              "dutyPayable": 17765,
              "transferRegistrationFee": 315.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 17765,
              "firstHomeConcession": 17765,
              "dutyPayable": 0,
              "transferRegistrationFee": 315.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 17765,
              "firstHomeConcession": 17765,
              "dutyPayable": 0,
              "transferRegistrationFee": 315.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 550000,
          "results": {
            "investor": {
              "transferDuty": 20140,
              "firstHomeConcession": 0,
              "dutyPayable": 20140,
              "transferRegistrationFee": 335.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 20140,
              "firstHomeConcession": 0,
              "dutyPayable": 20140,
              "transferRegistrationFee": 335.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 20140,
              "firstHomeConcession": 20140,
              "dutyPayable": 0,
              "transferRegistrationFee": 335.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 20140,
              "firstHomeConcession": 20140,
              "dutyPayable": 0,
              "transferRegistrationFee": 335.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 600000,
          "results": {
            "investor": {
              "transferDuty": 22515,
              "firstHomeConcession": 0,
              "dutyPayable": 22515,
              "transferRegistrationFee": 335.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 22515,
              "firstHomeConcession": 0,
              "dutyPayable": 22515,
              "transferRegistrationFee": 335.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 22515,
              "firstHomeConcession": 22515,
              "dutyPayable": 0,
              "transferRegistrationFee": 335.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 22515,
              "firstHomeConcession": 22515,
              "dutyPayable": 0,
              "transferRegistrationFee": 335.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 650000,
          "results": {
            "investor": {
              "transferDuty": 24890,
              "firstHomeConcession": 0,
              "dutyPayable": 24890,
              "transferRegistrationFee": 355.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 24890,
              "firstHomeConcession": 0,
              "dutyPayable": 24890,
              "transferRegistrationFee": 355.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 24890,
              "firstHomeConcession": 16815,
              "dutyPayable": 8075,
              "transferRegistrationFee": 355.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 24890,
              "firstHomeConcession": 16815,
              "dutyPayable": 8075,
              "transferRegistrationFee": 355.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 700000,
          "results": {
            "investor": {
              "transferDuty": 27265,
              "firstHomeConcession": 0,
              "dutyPayable": 27265,
              "transferRegistrationFee": 355.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 27265,
              "firstHomeConcession": 0,
              "dutyPayable": 27265,
              "transferRegistrationFee": 355.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 27265,
              "firstHomeConcession": 11115,
              "dutyPayable": 16150,
              "transferRegistrationFee": 355.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 27265,
              "firstHomeConcession": 11115,
              "dutyPayable": 16150,
              "transferRegistrationFee": 355.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 750000,
          "results": {
            "investor": {
              "transferDuty": 29740.5,
              "firstHomeConcession": 0,
              "dutyPayable": 29740.5,
              "transferRegistrationFee": 375.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 29740.5,
              "firstHomeConcession": 0,
              "dutyPayable": 29740.5,
              "transferRegistrationFee": 375.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 29740.5,
              "firstHomeConcession": 5515.5,
              "dutyPayable": 24225,
              "transferRegistrationFee": 375.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 29740.5,
              "firstHomeConcession": 5515.5,
              "dutyPayable": 24225,
              "transferRegistrationFee": 375.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 800000,
          "results": {
            "investor": {
              "transferDuty": 32315.5,
              "firstHomeConcession": 0,
              "dutyPayable": 32315.5,
              "transferRegistrationFee": 375.1,
              "mortgageRegistrationFee": 225.1,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 32315.5,
              "firstHomeConcession": 0,
              "dutyPayable": 32315.5,
              "transferRegistrationFee": 375.1,
              "mortgageRegistrationFee": 225.1,
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          }
        },
        {
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        },
        {
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          }
        },
        {
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              "rateBasis": "Transfer duty (home concession rate)"
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          }
        },
        {
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              "transferDuty": 94115.5,
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      ],
      "workedExamples": [
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          "id": "fhb-established-500k",
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          "price": 500000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": true,
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              "id": "transfer-duty",
              "label": "Transfer duty (home concession rate)",
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              "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment"
            },
            {
              "id": "first-home-concession",
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              "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment"
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            {
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              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.landgate.wa.gov.au/land-and-property/land-transactions-hub/land-transaction-fees/"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 315.1,
              "basis": "Flat land registry fee for a transfer value up to $500,000.00.",
              "source": "https://www.landgate.wa.gov.au/land-and-property/land-transactions-hub/land-transaction-fees/"
            }
          ],
          "dutyPayable": 0,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment",
            "checkedAt": "2026-09-26"
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        },
        {
          "id": "fhb-established-600k",
          "title": "$600,000 established home, first home buyer",
          "price": 600000,
          "propertyType": "established",
          "purpose": "owner-occupied",
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          "lines": [
            {
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              "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment"
            },
            {
              "id": "first-home-concession",
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              "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment"
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            {
              "id": "mortgage-registration",
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              "source": "https://www.landgate.wa.gov.au/land-and-property/land-transactions-hub/land-transaction-fees/"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
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              "basis": "Flat land registry fee for a transfer value up to $600,000.00.",
              "source": "https://www.landgate.wa.gov.au/land-and-property/land-transactions-hub/land-transaction-fees/"
            }
          ],
          "dutyPayable": 0,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment",
            "checkedAt": "2026-09-26"
          }
        },
        {
          "id": "fhb-established-750k",
          "title": "$750,000 established home, first home buyer",
          "price": 750000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": true,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty (home concession rate)",
              "amount": 29740.5,
              "basis": "WA charges a concessional duty rate on owner-occupied homes valued up to $200,000 ($1.50 per $100 to $120,000, then $4.04 per $100). Above $200,000 duty reverts to the standard residential rates shown. Calculated on a dutiable value of $750,000.00.",
              "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment"
            },
            {
              "id": "first-home-concession",
              "label": "First home owner rate of duty",
              "amount": -5515.5,
              "basis": "Eligible first home buyers pay no duty up to $600,000 for a home ($450,000 for vacant land), then $16.15 per $100 above $600,000 up to $800,000 ($20.14 per $100 above $450,000 up to $550,000 for land). Above those values the general rates apply. The rates apply statewide to transactions from 7 May 2026.",
              "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 225.1,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.landgate.wa.gov.au/land-and-property/land-transactions-hub/land-transaction-fees/"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 375.1,
              "basis": "Flat land registry fee for a transfer value up to $800,000.00.",
              "source": "https://www.landgate.wa.gov.au/land-and-property/land-transactions-hub/land-transaction-fees/"
            }
          ],
          "dutyPayable": 24225,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment",
            "checkedAt": "2026-09-26"
          }
        },
        {
          "id": "fhb-vacant-land-400k",
          "title": "$400,000 vacant land, first home buyer",
          "price": 400000,
          "propertyType": "vacant-land",
          "purpose": "owner-occupied",
          "firstHomeBuyer": true,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 13015,
              "basis": "Calculated from the published WA transfer duty brackets on a dutiable value of $400,000.00.",
              "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment"
            },
            {
              "id": "first-home-concession",
              "label": "First home owner rate of duty",
              "amount": -13015,
              "basis": "Eligible first home buyers pay no duty up to $600,000 for a home ($450,000 for vacant land), then $16.15 per $100 above $600,000 up to $800,000 ($20.14 per $100 above $450,000 up to $550,000 for land). Above those values the general rates apply. The rates apply statewide to transactions from 7 May 2026.",
              "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 225.1,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.landgate.wa.gov.au/land-and-property/land-transactions-hub/land-transaction-fees/"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 295.1,
              "basis": "Flat land registry fee for a transfer value up to $400,000.00.",
              "source": "https://www.landgate.wa.gov.au/land-and-property/land-transactions-hub/land-transaction-fees/"
            }
          ],
          "dutyPayable": 0,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment",
            "checkedAt": "2026-09-26"
          }
        },
        {
          "id": "investor-established-700k",
          "title": "$700,000 established home, investor",
          "price": 700000,
          "propertyType": "established",
          "purpose": "investment",
          "firstHomeBuyer": false,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 27265,
              "basis": "Calculated from the published WA transfer duty brackets on a dutiable value of $700,000.00.",
              "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 225.1,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.landgate.wa.gov.au/land-and-property/land-transactions-hub/land-transaction-fees/"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 355.1,
              "basis": "Flat land registry fee for a transfer value up to $700,000.00.",
              "source": "https://www.landgate.wa.gov.au/land-and-property/land-transactions-hub/land-transaction-fees/"
            }
          ],
          "dutyPayable": 27265,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment",
            "checkedAt": "2026-07-12"
          }
        },
        {
          "id": "oo-established-150k",
          "title": "$150,000 established home, home buyer, not a first home buyer",
          "price": 150000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": false,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty (home concession rate)",
              "amount": 3012,
              "basis": "WA charges a concessional duty rate on owner-occupied homes valued up to $200,000 ($1.50 per $100 to $120,000, then $4.04 per $100). Above $200,000 duty reverts to the standard residential rates shown. Calculated on a dutiable value of $150,000.00.",
              "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 225.1,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.landgate.wa.gov.au/land-and-property/land-transactions-hub/land-transaction-fees/"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 255.1,
              "basis": "Flat land registry fee for a transfer value up to $200,000.00.",
              "source": "https://www.landgate.wa.gov.au/land-and-property/land-transactions-hub/land-transaction-fees/"
            }
          ],
          "dutyPayable": 3012,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment",
            "checkedAt": "2026-07-12"
          }
        },
        {
          "id": "oo-established-500k",
          "title": "$500,000 established home, home buyer, not a first home buyer",
          "price": 500000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": false,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty (home concession rate)",
              "amount": 17765,
              "basis": "WA charges a concessional duty rate on owner-occupied homes valued up to $200,000 ($1.50 per $100 to $120,000, then $4.04 per $100). Above $200,000 duty reverts to the standard residential rates shown. Calculated on a dutiable value of $500,000.00.",
              "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 225.1,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.landgate.wa.gov.au/land-and-property/land-transactions-hub/land-transaction-fees/"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 315.1,
              "basis": "Flat land registry fee for a transfer value up to $500,000.00.",
              "source": "https://www.landgate.wa.gov.au/land-and-property/land-transactions-hub/land-transaction-fees/"
            }
          ],
          "dutyPayable": 17765,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment",
            "checkedAt": "2026-07-12"
          }
        }
      ]
    },
    {
      "code": "SA",
      "name": "South Australia",
      "url": "https://raynorlendingsolutions.com.au/lending-reference/stamp-duty-sa.html",
      "dataUrl": "https://raynorlendingsolutions.com.au/lending-reference/sa.json",
      "grantsPageUrl": "https://raynorlendingsolutions.com.au/grants-sa.html",
      "slug": "sa",
      "rulesCheckedAt": "2026-07-10",
      "recheckedAt": "2026-09-26",
      "transferDuty": {
        "effectiveFrom": "2025-12-04",
        "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf",
        "checkedAt": "2026-07-10",
        "status": "verified",
        "minimumDuty": null,
        "rows": [
          {
            "from": 0,
            "fromInclusive": true,
            "to": 12000,
            "toInclusive": true,
            "range": "Up to $12,000",
            "rule": "$1 per $100 or part of $100"
          },
          {
            "from": 12000,
            "fromInclusive": false,
            "to": 30000,
            "toInclusive": true,
            "range": "Over $12,000 up to $30,000",
            "rule": "$120 plus $2 per $100 or part of $100 over $12,000"
          },
          {
            "from": 30000,
            "fromInclusive": false,
            "to": 50000,
            "toInclusive": true,
            "range": "Over $30,000 up to $50,000",
            "rule": "$480 plus $3 per $100 or part of $100 over $30,000"
          },
          {
            "from": 50000,
            "fromInclusive": false,
            "to": 100000,
            "toInclusive": true,
            "range": "Over $50,000 up to $100,000",
            "rule": "$1,080 plus $3.50 per $100 or part of $100 over $50,000"
          },
          {
            "from": 100000,
            "fromInclusive": false,
            "to": 200000,
            "toInclusive": true,
            "range": "Over $100,000 up to $200,000",
            "rule": "$2,830 plus $4 per $100 or part of $100 over $100,000"
          },
          {
            "from": 200000,
            "fromInclusive": false,
            "to": 250000,
            "toInclusive": true,
            "range": "Over $200,000 up to $250,000",
            "rule": "$6,830 plus $4.25 per $100 or part of $100 over $200,000"
          },
          {
            "from": 250000,
            "fromInclusive": false,
            "to": 300000,
            "toInclusive": true,
            "range": "Over $250,000 up to $300,000",
            "rule": "$8,955 plus $4.75 per $100 or part of $100 over $250,000"
          },
          {
            "from": 300000,
            "fromInclusive": false,
            "to": 500000,
            "toInclusive": true,
            "range": "Over $300,000 up to $500,000",
            "rule": "$11,330 plus $5 per $100 or part of $100 over $300,000"
          },
          {
            "from": 500000,
            "fromInclusive": false,
            "to": null,
            "toInclusive": null,
            "range": "Over $500,000",
            "rule": "$21,330 plus $5.50 per $100 or part of $100 over $500,000"
          }
        ]
      },
      "homeConcession": null,
      "firstHome": {
        "label": "First home buyer duty relief",
        "summary": "Full exemption from stamp duty for eligible first home buyers purchasing a new home or vacant land to build on, with no value cap for contracts from 6 June 2024 (Stamp Duties Act 1923 (SA) s 71DD).",
        "thresholds": [
          {
            "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": [
          {
            "id": "first-home-not-eligible",
            "text": "South Australia's first home buyer duty relief only applies to new homes and vacant land you'll build on. There is no duty relief for established homes."
          }
        ],
        "effectiveFrom": "2024-06-06",
        "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf",
        "checkedAt": "2026-07-10",
        "status": "verified"
      },
      "registryFees": {
        "mortgageRegistrationFee": 204,
        "effectiveFrom": "2026-07-01",
        "source": "https://www.landservices.com.au/our-resources/fees-and-charges-2026-27/",
        "checkedAt": "2026-07-10",
        "status": "verified"
      },
      "priceCaps": {
        "fivePercentDepositScheme": {
          "capitalAndRegionalCentres": 900000,
          "restOfState": 500000,
          "source": "https://firsthomebuyers.gov.au/australian-government-5-percent-deposit-scheme/property-price-caps",
          "checkedAt": "2026-07-12"
        },
        "helpToBuy": {
          "capitalAndRegionalCentres": 900000,
          "restOfState": 500000,
          "source": "https://firsthomebuyers.gov.au/help-buy-tools-and-resources/help-buy-property-price-caps",
          "checkedAt": "2026-07-10"
        }
      },
      "otherRules": [],
      "dutyAtCommonPrices": [
        {
          "price": 300000,
          "results": {
            "investor": {
              "transferDuty": 11330,
              "firstHomeConcession": 0,
              "dutyPayable": 11330,
              "transferRegistrationFee": 2978,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 11330,
              "firstHomeConcession": 0,
              "dutyPayable": 11330,
              "transferRegistrationFee": 2978,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 11330,
              "firstHomeConcession": 0,
              "dutyPayable": 11330,
              "transferRegistrationFee": 2978,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 11330,
              "firstHomeConcession": 11330,
              "dutyPayable": 0,
              "transferRegistrationFee": 204,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 350000,
          "results": {
            "investor": {
              "transferDuty": 13830,
              "firstHomeConcession": 0,
              "dutyPayable": 13830,
              "transferRegistrationFee": 3503,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 13830,
              "firstHomeConcession": 0,
              "dutyPayable": 13830,
              "transferRegistrationFee": 3503,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 13830,
              "firstHomeConcession": 0,
              "dutyPayable": 13830,
              "transferRegistrationFee": 3503,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 13830,
              "firstHomeConcession": 13830,
              "dutyPayable": 0,
              "transferRegistrationFee": 204,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 400000,
          "results": {
            "investor": {
              "transferDuty": 16330,
              "firstHomeConcession": 0,
              "dutyPayable": 16330,
              "transferRegistrationFee": 4028,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 16330,
              "firstHomeConcession": 0,
              "dutyPayable": 16330,
              "transferRegistrationFee": 4028,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 16330,
              "firstHomeConcession": 0,
              "dutyPayable": 16330,
              "transferRegistrationFee": 4028,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 16330,
              "firstHomeConcession": 16330,
              "dutyPayable": 0,
              "transferRegistrationFee": 204,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 450000,
          "results": {
            "investor": {
              "transferDuty": 18830,
              "firstHomeConcession": 0,
              "dutyPayable": 18830,
              "transferRegistrationFee": 4553,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 18830,
              "firstHomeConcession": 0,
              "dutyPayable": 18830,
              "transferRegistrationFee": 4553,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 18830,
              "firstHomeConcession": 0,
              "dutyPayable": 18830,
              "transferRegistrationFee": 4553,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 18830,
              "firstHomeConcession": 18830,
              "dutyPayable": 0,
              "transferRegistrationFee": 204,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 500000,
          "results": {
            "investor": {
              "transferDuty": 21330,
              "firstHomeConcession": 0,
              "dutyPayable": 21330,
              "transferRegistrationFee": 5078,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 21330,
              "firstHomeConcession": 0,
              "dutyPayable": 21330,
              "transferRegistrationFee": 5078,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 21330,
              "firstHomeConcession": 0,
              "dutyPayable": 21330,
              "transferRegistrationFee": 5078,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 21330,
              "firstHomeConcession": 21330,
              "dutyPayable": 0,
              "transferRegistrationFee": 204,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 550000,
          "results": {
            "investor": {
              "transferDuty": 24080,
              "firstHomeConcession": 0,
              "dutyPayable": 24080,
              "transferRegistrationFee": 5603,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 24080,
              "firstHomeConcession": 0,
              "dutyPayable": 24080,
              "transferRegistrationFee": 5603,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 24080,
              "firstHomeConcession": 0,
              "dutyPayable": 24080,
              "transferRegistrationFee": 5603,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 24080,
              "firstHomeConcession": 24080,
              "dutyPayable": 0,
              "transferRegistrationFee": 204,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 600000,
          "results": {
            "investor": {
              "transferDuty": 26830,
              "firstHomeConcession": 0,
              "dutyPayable": 26830,
              "transferRegistrationFee": 6128,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 26830,
              "firstHomeConcession": 0,
              "dutyPayable": 26830,
              "transferRegistrationFee": 6128,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 26830,
              "firstHomeConcession": 0,
              "dutyPayable": 26830,
              "transferRegistrationFee": 6128,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 26830,
              "firstHomeConcession": 26830,
              "dutyPayable": 0,
              "transferRegistrationFee": 204,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 650000,
          "results": {
            "investor": {
              "transferDuty": 29580,
              "firstHomeConcession": 0,
              "dutyPayable": 29580,
              "transferRegistrationFee": 6653,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 29580,
              "firstHomeConcession": 0,
              "dutyPayable": 29580,
              "transferRegistrationFee": 6653,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 29580,
              "firstHomeConcession": 0,
              "dutyPayable": 29580,
              "transferRegistrationFee": 6653,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 29580,
              "firstHomeConcession": 29580,
              "dutyPayable": 0,
              "transferRegistrationFee": 204,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 700000,
          "results": {
            "investor": {
              "transferDuty": 32330,
              "firstHomeConcession": 0,
              "dutyPayable": 32330,
              "transferRegistrationFee": 7178,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 32330,
              "firstHomeConcession": 0,
              "dutyPayable": 32330,
              "transferRegistrationFee": 7178,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 32330,
              "firstHomeConcession": 0,
              "dutyPayable": 32330,
              "transferRegistrationFee": 7178,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 32330,
              "firstHomeConcession": 32330,
              "dutyPayable": 0,
              "transferRegistrationFee": 204,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 750000,
          "results": {
            "investor": {
              "transferDuty": 35080,
              "firstHomeConcession": 0,
              "dutyPayable": 35080,
              "transferRegistrationFee": 7703,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 35080,
              "firstHomeConcession": 0,
              "dutyPayable": 35080,
              "transferRegistrationFee": 7703,
              "mortgageRegistrationFee": 204,
              "rateBasis": "Transfer duty"
            },
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        },
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        {
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          }
        },
        {
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          }
        },
        {
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          }
        },
        {
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        {
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        },
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          }
        },
        {
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          }
        },
        {
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            }
          }
        },
        {
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            },
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          }
        }
      ],
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          "id": "fhb-established-500k",
          "title": "$500,000 established home, first home buyer",
          "price": 500000,
          "propertyType": "established",
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        },
        {
          "id": "fhb-new-600k",
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          "propertyType": "new",
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          "firstHomeBuyer": true,
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            {
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              "basis": "Calculated from the published SA transfer duty brackets on a dutiable value of $600,000.00.",
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            },
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            },
            {
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            "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf",
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          }
        },
        {
          "id": "fhb-vacant-land-350k",
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          "price": 350000,
          "propertyType": "vacant-land",
          "purpose": "owner-occupied",
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              "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf"
            },
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            },
            {
              "id": "mortgage-registration",
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              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
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            },
            {
              "id": "transfer-registration",
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              "source": "https://www.landservices.com.au/our-resources/fees-and-charges-2026-27/"
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          ],
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          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf",
            "checkedAt": "2026-09-26"
          }
        },
        {
          "id": "investor-established-700k",
          "title": "$700,000 established home, investor",
          "price": 700000,
          "propertyType": "established",
          "purpose": "investment",
          "firstHomeBuyer": false,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 32330,
              "basis": "Calculated from the published SA transfer duty brackets on a dutiable value of $700,000.00.",
              "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 204,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.landservices.com.au/our-resources/fees-and-charges-2026-27/"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 7178,
              "basis": "Land registry fee to register the transfer: $353.00 base plus $105.00 per $10,000.00 (or part) above $50,000.00.",
              "source": "https://www.landservices.com.au/our-resources/fees-and-charges-2026-27/"
            }
          ],
          "dutyPayable": 32330,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf",
            "checkedAt": "2026-07-10"
          }
        },
        {
          "id": "oo-established-500k",
          "title": "$500,000 established home, home buyer, not a first home buyer",
          "price": 500000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": false,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 21330,
              "basis": "Calculated from the published SA transfer duty brackets on a dutiable value of $500,000.00.",
              "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 204,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://www.landservices.com.au/our-resources/fees-and-charges-2026-27/"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 5078,
              "basis": "Land registry fee to register the transfer: $353.00 base plus $105.00 per $10,000.00 (or part) above $50,000.00.",
              "source": "https://www.landservices.com.au/our-resources/fees-and-charges-2026-27/"
            }
          ],
          "dutyPayable": 21330,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf",
            "checkedAt": "2026-07-10"
          }
        }
      ]
    },
    {
      "code": "TAS",
      "name": "Tasmania",
      "url": "https://raynorlendingsolutions.com.au/lending-reference/stamp-duty-tas.html",
      "dataUrl": "https://raynorlendingsolutions.com.au/lending-reference/tas.json",
      "grantsPageUrl": "https://raynorlendingsolutions.com.au/grants-tas.html",
      "slug": "tas",
      "rulesCheckedAt": "2026-07-12",
      "recheckedAt": "2026-09-26",
      "transferDuty": {
        "effectiveFrom": "2013-10-21",
        "source": "https://www.sro.tas.gov.au/property-transfer-duties/rates-of-duty",
        "checkedAt": "2026-07-12",
        "status": "verified",
        "minimumDuty": null,
        "rows": [
          {
            "from": 0,
            "fromInclusive": true,
            "to": 3000,
            "toInclusive": true,
            "range": "Up to $3,000",
            "rule": "$50 plus $0 per $100 or part of $100 over $0"
          },
          {
            "from": 3000,
            "fromInclusive": false,
            "to": 25000,
            "toInclusive": true,
            "range": "Over $3,000 up to $25,000",
            "rule": "$50 plus $1.75 per $100 or part of $100 over $3,000"
          },
          {
            "from": 25000,
            "fromInclusive": false,
            "to": 75000,
            "toInclusive": true,
            "range": "Over $25,000 up to $75,000",
            "rule": "$435 plus $2.25 per $100 or part of $100 over $25,000"
          },
          {
            "from": 75000,
            "fromInclusive": false,
            "to": 200000,
            "toInclusive": true,
            "range": "Over $75,000 up to $200,000",
            "rule": "$1,560 plus $3.50 per $100 or part of $100 over $75,000"
          },
          {
            "from": 200000,
            "fromInclusive": false,
            "to": 375000,
            "toInclusive": true,
            "range": "Over $200,000 up to $375,000",
            "rule": "$5,935 plus $4 per $100 or part of $100 over $200,000"
          },
          {
            "from": 375000,
            "fromInclusive": false,
            "to": 725000,
            "toInclusive": true,
            "range": "Over $375,000 up to $725,000",
            "rule": "$12,935 plus $4.25 per $100 or part of $100 over $375,000"
          },
          {
            "from": 725000,
            "fromInclusive": false,
            "to": null,
            "toInclusive": null,
            "range": "Over $725,000",
            "rule": "$27,810 plus $4.50 per $100 or part of $100 over $725,000"
          }
        ]
      },
      "homeConcession": null,
      "firstHome": {
        "label": "First home buyer duty relief",
        "summary": "Tasmania's 100 per cent duty exemption for first home buyers of established homes ended for transactions settling after 30 June 2026.",
        "thresholds": [],
        "notes": [
          {
            "id": "first-home-not-eligible",
            "text": "Tasmania's first home buyer duty exemption ended for transactions settling after 30 June 2026, and no replacement duty relief has been announced. Duty is shown at standard rates. (The $20,000 First Home Owner Grant for new builds is a cash grant, not a duty reduction.)"
          }
        ],
        "effectiveFrom": "2026-07-01",
        "source": "https://www.sro.tas.gov.au/property-transfer-duties/concessions-exemptions/first-home-buyers-of-established-homes-duty-relief",
        "checkedAt": "2026-07-12",
        "status": "verified"
      },
      "registryFees": {
        "mortgageRegistrationFee": 167.58,
        "effectiveFrom": "2026-07-01",
        "source": "https://nre.tas.gov.au/Documents/2026-2027%20Brief%20Fee%20Schedule.pdf",
        "checkedAt": "2026-07-12",
        "status": "verified"
      },
      "priceCaps": {
        "fivePercentDepositScheme": {
          "capitalAndRegionalCentres": 700000,
          "restOfState": 550000,
          "source": "https://firsthomebuyers.gov.au/australian-government-5-percent-deposit-scheme/property-price-caps",
          "checkedAt": "2026-07-12"
        },
        "helpToBuy": {
          "capitalAndRegionalCentres": 700000,
          "restOfState": 550000,
          "source": "https://firsthomebuyers.gov.au/help-buy-tools-and-resources/help-buy-property-price-caps",
          "checkedAt": "2026-07-10"
        }
      },
      "otherRules": [],
      "dutyAtCommonPrices": [
        {
          "price": 300000,
          "results": {
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              "transferDuty": 9935,
              "firstHomeConcession": 0,
              "dutyPayable": 9935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 9935,
              "firstHomeConcession": 0,
              "dutyPayable": 9935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 9935,
              "firstHomeConcession": 0,
              "dutyPayable": 9935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 9935,
              "firstHomeConcession": 0,
              "dutyPayable": 9935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 350000,
          "results": {
            "investor": {
              "transferDuty": 11935,
              "firstHomeConcession": 0,
              "dutyPayable": 11935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 11935,
              "firstHomeConcession": 0,
              "dutyPayable": 11935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 11935,
              "firstHomeConcession": 0,
              "dutyPayable": 11935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 11935,
              "firstHomeConcession": 0,
              "dutyPayable": 11935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 400000,
          "results": {
            "investor": {
              "transferDuty": 13997.5,
              "firstHomeConcession": 0,
              "dutyPayable": 13997.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 13997.5,
              "firstHomeConcession": 0,
              "dutyPayable": 13997.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 13997.5,
              "firstHomeConcession": 0,
              "dutyPayable": 13997.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 13997.5,
              "firstHomeConcession": 0,
              "dutyPayable": 13997.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 450000,
          "results": {
            "investor": {
              "transferDuty": 16122.5,
              "firstHomeConcession": 0,
              "dutyPayable": 16122.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 16122.5,
              "firstHomeConcession": 0,
              "dutyPayable": 16122.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 16122.5,
              "firstHomeConcession": 0,
              "dutyPayable": 16122.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 16122.5,
              "firstHomeConcession": 0,
              "dutyPayable": 16122.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 500000,
          "results": {
            "investor": {
              "transferDuty": 18247.5,
              "firstHomeConcession": 0,
              "dutyPayable": 18247.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 18247.5,
              "firstHomeConcession": 0,
              "dutyPayable": 18247.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 18247.5,
              "firstHomeConcession": 0,
              "dutyPayable": 18247.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 18247.5,
              "firstHomeConcession": 0,
              "dutyPayable": 18247.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 550000,
          "results": {
            "investor": {
              "transferDuty": 20372.5,
              "firstHomeConcession": 0,
              "dutyPayable": 20372.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 20372.5,
              "firstHomeConcession": 0,
              "dutyPayable": 20372.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 20372.5,
              "firstHomeConcession": 0,
              "dutyPayable": 20372.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 20372.5,
              "firstHomeConcession": 0,
              "dutyPayable": 20372.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 600000,
          "results": {
            "investor": {
              "transferDuty": 22497.5,
              "firstHomeConcession": 0,
              "dutyPayable": 22497.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 22497.5,
              "firstHomeConcession": 0,
              "dutyPayable": 22497.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 22497.5,
              "firstHomeConcession": 0,
              "dutyPayable": 22497.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 22497.5,
              "firstHomeConcession": 0,
              "dutyPayable": 22497.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 650000,
          "results": {
            "investor": {
              "transferDuty": 24622.5,
              "firstHomeConcession": 0,
              "dutyPayable": 24622.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 24622.5,
              "firstHomeConcession": 0,
              "dutyPayable": 24622.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 24622.5,
              "firstHomeConcession": 0,
              "dutyPayable": 24622.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 24622.5,
              "firstHomeConcession": 0,
              "dutyPayable": 24622.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 700000,
          "results": {
            "investor": {
              "transferDuty": 26747.5,
              "firstHomeConcession": 0,
              "dutyPayable": 26747.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 26747.5,
              "firstHomeConcession": 0,
              "dutyPayable": 26747.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 26747.5,
              "firstHomeConcession": 0,
              "dutyPayable": 26747.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 26747.5,
              "firstHomeConcession": 0,
              "dutyPayable": 26747.5,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 750000,
          "results": {
            "investor": {
              "transferDuty": 28935,
              "firstHomeConcession": 0,
              "dutyPayable": 28935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 28935,
              "firstHomeConcession": 0,
              "dutyPayable": 28935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 28935,
              "firstHomeConcession": 0,
              "dutyPayable": 28935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 28935,
              "firstHomeConcession": 0,
              "dutyPayable": 28935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 800000,
          "results": {
            "investor": {
              "transferDuty": 31185,
              "firstHomeConcession": 0,
              "dutyPayable": 31185,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 31185,
              "firstHomeConcession": 0,
              "dutyPayable": 31185,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
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              "firstHomeConcession": 0,
              "dutyPayable": 31185,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 31185,
              "firstHomeConcession": 0,
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              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 850000,
          "results": {
            "investor": {
              "transferDuty": 33435,
              "firstHomeConcession": 0,
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              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 33435,
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              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 33435,
              "firstHomeConcession": 0,
              "dutyPayable": 33435,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
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              "firstHomeConcession": 0,
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              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 900000,
          "results": {
            "investor": {
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              "firstHomeConcession": 0,
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              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 35685,
              "firstHomeConcession": 0,
              "dutyPayable": 35685,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 35685,
              "firstHomeConcession": 0,
              "dutyPayable": 35685,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 35685,
              "firstHomeConcession": 0,
              "dutyPayable": 35685,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 950000,
          "results": {
            "investor": {
              "transferDuty": 37935,
              "firstHomeConcession": 0,
              "dutyPayable": 37935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
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              "firstHomeConcession": 0,
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            },
            "first-home-established": {
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              "firstHomeConcession": 0,
              "dutyPayable": 37935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
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              "firstHomeConcession": 0,
              "dutyPayable": 37935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1000000,
          "results": {
            "investor": {
              "transferDuty": 40185,
              "firstHomeConcession": 0,
              "dutyPayable": 40185,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 40185,
              "firstHomeConcession": 0,
              "dutyPayable": 40185,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 40185,
              "firstHomeConcession": 0,
              "dutyPayable": 40185,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 40185,
              "firstHomeConcession": 0,
              "dutyPayable": 40185,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1050000,
          "results": {
            "investor": {
              "transferDuty": 42435,
              "firstHomeConcession": 0,
              "dutyPayable": 42435,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 42435,
              "firstHomeConcession": 0,
              "dutyPayable": 42435,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 42435,
              "firstHomeConcession": 0,
              "dutyPayable": 42435,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 42435,
              "firstHomeConcession": 0,
              "dutyPayable": 42435,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1100000,
          "results": {
            "investor": {
              "transferDuty": 44685,
              "firstHomeConcession": 0,
              "dutyPayable": 44685,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 44685,
              "firstHomeConcession": 0,
              "dutyPayable": 44685,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 44685,
              "firstHomeConcession": 0,
              "dutyPayable": 44685,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
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            },
            "first-home-new": {
              "transferDuty": 44685,
              "firstHomeConcession": 0,
              "dutyPayable": 44685,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1150000,
          "results": {
            "investor": {
              "transferDuty": 46935,
              "firstHomeConcession": 0,
              "dutyPayable": 46935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 46935,
              "firstHomeConcession": 0,
              "dutyPayable": 46935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 46935,
              "firstHomeConcession": 0,
              "dutyPayable": 46935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 46935,
              "firstHomeConcession": 0,
              "dutyPayable": 46935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1200000,
          "results": {
            "investor": {
              "transferDuty": 49185,
              "firstHomeConcession": 0,
              "dutyPayable": 49185,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 49185,
              "firstHomeConcession": 0,
              "dutyPayable": 49185,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 49185,
              "firstHomeConcession": 0,
              "dutyPayable": 49185,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 49185,
              "firstHomeConcession": 0,
              "dutyPayable": 49185,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1250000,
          "results": {
            "investor": {
              "transferDuty": 51435,
              "firstHomeConcession": 0,
              "dutyPayable": 51435,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 51435,
              "firstHomeConcession": 0,
              "dutyPayable": 51435,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 51435,
              "firstHomeConcession": 0,
              "dutyPayable": 51435,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 51435,
              "firstHomeConcession": 0,
              "dutyPayable": 51435,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1300000,
          "results": {
            "investor": {
              "transferDuty": 53685,
              "firstHomeConcession": 0,
              "dutyPayable": 53685,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 53685,
              "firstHomeConcession": 0,
              "dutyPayable": 53685,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 53685,
              "firstHomeConcession": 0,
              "dutyPayable": 53685,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 53685,
              "firstHomeConcession": 0,
              "dutyPayable": 53685,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1350000,
          "results": {
            "investor": {
              "transferDuty": 55935,
              "firstHomeConcession": 0,
              "dutyPayable": 55935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 55935,
              "firstHomeConcession": 0,
              "dutyPayable": 55935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 55935,
              "firstHomeConcession": 0,
              "dutyPayable": 55935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 55935,
              "firstHomeConcession": 0,
              "dutyPayable": 55935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1400000,
          "results": {
            "investor": {
              "transferDuty": 58185,
              "firstHomeConcession": 0,
              "dutyPayable": 58185,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 58185,
              "firstHomeConcession": 0,
              "dutyPayable": 58185,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 58185,
              "firstHomeConcession": 0,
              "dutyPayable": 58185,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 58185,
              "firstHomeConcession": 0,
              "dutyPayable": 58185,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1450000,
          "results": {
            "investor": {
              "transferDuty": 60435,
              "firstHomeConcession": 0,
              "dutyPayable": 60435,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 60435,
              "firstHomeConcession": 0,
              "dutyPayable": 60435,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 60435,
              "firstHomeConcession": 0,
              "dutyPayable": 60435,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 60435,
              "firstHomeConcession": 0,
              "dutyPayable": 60435,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1500000,
          "results": {
            "investor": {
              "transferDuty": 62685,
              "firstHomeConcession": 0,
              "dutyPayable": 62685,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 62685,
              "firstHomeConcession": 0,
              "dutyPayable": 62685,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 62685,
              "firstHomeConcession": 0,
              "dutyPayable": 62685,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 62685,
              "firstHomeConcession": 0,
              "dutyPayable": 62685,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 1750000,
          "results": {
            "investor": {
              "transferDuty": 73935,
              "firstHomeConcession": 0,
              "dutyPayable": 73935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 73935,
              "firstHomeConcession": 0,
              "dutyPayable": 73935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 73935,
              "firstHomeConcession": 0,
              "dutyPayable": 73935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 73935,
              "firstHomeConcession": 0,
              "dutyPayable": 73935,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 2000000,
          "results": {
            "investor": {
              "transferDuty": 85185,
              "firstHomeConcession": 0,
              "dutyPayable": 85185,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 85185,
              "firstHomeConcession": 0,
              "dutyPayable": 85185,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 85185,
              "firstHomeConcession": 0,
              "dutyPayable": 85185,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 85185,
              "firstHomeConcession": 0,
              "dutyPayable": 85185,
              "transferRegistrationFee": 256.76,
              "mortgageRegistrationFee": 167.58,
              "rateBasis": "Transfer duty"
            }
          }
        }
      ],
      "workedExamples": [
        {
          "id": "fhb-established-500k",
          "title": "$500,000 established home, first home buyer",
          "price": 500000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": true,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 18247.5,
              "basis": "Calculated from the published TAS transfer duty brackets on a dutiable value of $500,000.00.",
              "source": "https://www.sro.tas.gov.au/property-transfer-duties/rates-of-duty"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 167.58,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://nre.tas.gov.au/Documents/2026-2027%20Brief%20Fee%20Schedule.pdf"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 256.76,
              "basis": "Land registry fee to register the transfer: $256.76 base plus $0.00 per $100,000.00 (or part) above $0.00.",
              "source": "https://nre.tas.gov.au/Documents/2026-2027%20Brief%20Fee%20Schedule.pdf"
            }
          ],
          "dutyPayable": 18247.5,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.sro.tas.gov.au/property-transfer-duties/concessions-exemptions/first-home-buyers-of-established-homes-duty-relief",
            "checkedAt": "2026-07-12"
          }
        },
        {
          "id": "investor-established-700k",
          "title": "$700,000 established home, investor",
          "price": 700000,
          "propertyType": "established",
          "purpose": "investment",
          "firstHomeBuyer": false,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 26747.5,
              "basis": "Calculated from the published TAS transfer duty brackets on a dutiable value of $700,000.00.",
              "source": "https://www.sro.tas.gov.au/property-transfer-duties/rates-of-duty"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 167.58,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://nre.tas.gov.au/Documents/2026-2027%20Brief%20Fee%20Schedule.pdf"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 256.76,
              "basis": "Land registry fee to register the transfer: $256.76 base plus $0.00 per $100,000.00 (or part) above $0.00.",
              "source": "https://nre.tas.gov.au/Documents/2026-2027%20Brief%20Fee%20Schedule.pdf"
            }
          ],
          "dutyPayable": 26747.5,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.sro.tas.gov.au/property-transfer-duties/rates-of-duty",
            "checkedAt": "2026-07-12"
          }
        },
        {
          "id": "oo-established-2500",
          "title": "$2,500 established home, home buyer, not a first home buyer",
          "price": 2500,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": false,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 50,
              "basis": "Calculated from the published TAS transfer duty brackets on a dutiable value of $2,500.00.",
              "source": "https://www.sro.tas.gov.au/property-transfer-duties/rates-of-duty"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 167.58,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://nre.tas.gov.au/Documents/2026-2027%20Brief%20Fee%20Schedule.pdf"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 256.76,
              "basis": "Land registry fee to register the transfer: $256.76 base plus $0.00 per $100,000.00 (or part) above $0.00.",
              "source": "https://nre.tas.gov.au/Documents/2026-2027%20Brief%20Fee%20Schedule.pdf"
            }
          ],
          "dutyPayable": 50,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.sro.tas.gov.au/property-transfer-duties/rates-of-duty",
            "checkedAt": "2026-07-12"
          }
        },
        {
          "id": "oo-established-500k",
          "title": "$500,000 established home, home buyer, not a first home buyer",
          "price": 500000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": false,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 18247.5,
              "basis": "Calculated from the published TAS transfer duty brackets on a dutiable value of $500,000.00.",
              "source": "https://www.sro.tas.gov.au/property-transfer-duties/rates-of-duty"
            },
            {
              "id": "mortgage-registration",
              "label": "Mortgage registration fee",
              "amount": 167.58,
              "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
              "source": "https://nre.tas.gov.au/Documents/2026-2027%20Brief%20Fee%20Schedule.pdf"
            },
            {
              "id": "transfer-registration",
              "label": "Transfer registration fee",
              "amount": 256.76,
              "basis": "Land registry fee to register the transfer: $256.76 base plus $0.00 per $100,000.00 (or part) above $0.00.",
              "source": "https://nre.tas.gov.au/Documents/2026-2027%20Brief%20Fee%20Schedule.pdf"
            }
          ],
          "dutyPayable": 18247.5,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "source": "https://www.sro.tas.gov.au/property-transfer-duties/rates-of-duty",
            "checkedAt": "2026-07-12"
          }
        }
      ]
    },
    {
      "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,
              "firstHomeConcession": 28058,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 950000,
          "results": {
            "investor": {
              "transferDuty": 34000,
              "firstHomeConcession": 0,
              "dutyPayable": 34000,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 31008,
              "firstHomeConcession": 0,
              "dutyPayable": 31008,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 31008,
              "firstHomeConcession": 31008,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 31008,
              "firstHomeConcession": 31008,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1000000,
          "results": {
            "investor": {
              "transferDuty": 36950,
              "firstHomeConcession": 0,
              "dutyPayable": 36950,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 33958,
              "firstHomeConcession": 0,
              "dutyPayable": 33958,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 33958,
              "firstHomeConcession": 33958,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 33958,
              "firstHomeConcession": 33958,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1050000,
          "results": {
            "investor": {
              "transferDuty": 40150,
              "firstHomeConcession": 0,
              "dutyPayable": 40150,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 37158,
              "firstHomeConcession": 0,
              "dutyPayable": 37158,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 37158,
              "firstHomeConcession": 37158,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 37158,
              "firstHomeConcession": 37158,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1100000,
          "results": {
            "investor": {
              "transferDuty": 43350,
              "firstHomeConcession": 0,
              "dutyPayable": 43350,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 40358,
              "firstHomeConcession": 0,
              "dutyPayable": 40358,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 40358,
              "firstHomeConcession": 40358,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 40358,
              "firstHomeConcession": 40358,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1150000,
          "results": {
            "investor": {
              "transferDuty": 46550,
              "firstHomeConcession": 0,
              "dutyPayable": 46550,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 43558,
              "firstHomeConcession": 0,
              "dutyPayable": 43558,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 43558,
              "firstHomeConcession": 43558,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 43558,
              "firstHomeConcession": 43558,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1200000,
          "results": {
            "investor": {
              "transferDuty": 49750,
              "firstHomeConcession": 0,
              "dutyPayable": 49750,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 46758,
              "firstHomeConcession": 0,
              "dutyPayable": 46758,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 46758,
              "firstHomeConcession": 46758,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 46758,
              "firstHomeConcession": 46758,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1250000,
          "results": {
            "investor": {
              "transferDuty": 52950,
              "firstHomeConcession": 0,
              "dutyPayable": 52950,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 49958,
              "firstHomeConcession": 0,
              "dutyPayable": 49958,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 49958,
              "firstHomeConcession": 49958,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 49958,
              "firstHomeConcession": 49958,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1300000,
          "results": {
            "investor": {
              "transferDuty": 56150,
              "firstHomeConcession": 0,
              "dutyPayable": 56150,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 53158,
              "firstHomeConcession": 0,
              "dutyPayable": 53158,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 53158,
              "firstHomeConcession": 53158,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 53158,
              "firstHomeConcession": 53158,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1350000,
          "results": {
            "investor": {
              "transferDuty": 59350,
              "firstHomeConcession": 0,
              "dutyPayable": 59350,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 56358,
              "firstHomeConcession": 0,
              "dutyPayable": 56358,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 56358,
              "firstHomeConcession": 56358,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 56358,
              "firstHomeConcession": 56358,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1400000,
          "results": {
            "investor": {
              "transferDuty": 62550,
              "firstHomeConcession": 0,
              "dutyPayable": 62550,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 59558,
              "firstHomeConcession": 0,
              "dutyPayable": 59558,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 59558,
              "firstHomeConcession": 59558,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 59558,
              "firstHomeConcession": 59558,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1450000,
          "results": {
            "investor": {
              "transferDuty": 65750,
              "firstHomeConcession": 0,
              "dutyPayable": 65750,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 62758,
              "firstHomeConcession": 0,
              "dutyPayable": 62758,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 62758,
              "firstHomeConcession": 62758,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 62758,
              "firstHomeConcession": 62758,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1500000,
          "results": {
            "investor": {
              "transferDuty": 68100,
              "firstHomeConcession": 0,
              "dutyPayable": 68100,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 68100,
              "firstHomeConcession": 0,
              "dutyPayable": 68100,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 68100,
              "firstHomeConcession": 68100,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 68100,
              "firstHomeConcession": 68100,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 1750000,
          "results": {
            "investor": {
              "transferDuty": 79450,
              "firstHomeConcession": 0,
              "dutyPayable": 79450,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 79450,
              "firstHomeConcession": 0,
              "dutyPayable": 79450,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 79450,
              "firstHomeConcession": 79450,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 79450,
              "firstHomeConcession": 79450,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        },
        {
          "price": 2000000,
          "results": {
            "investor": {
              "transferDuty": 90800,
              "firstHomeConcession": 0,
              "dutyPayable": 90800,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 90800,
              "firstHomeConcession": 0,
              "dutyPayable": 90800,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-established": {
              "transferDuty": 90800,
              "firstHomeConcession": 90800,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            },
            "first-home-new": {
              "transferDuty": 90800,
              "firstHomeConcession": 90800,
              "dutyPayable": 0,
              "transferRegistrationFee": 496,
              "mortgageRegistrationFee": 184,
              "rateBasis": "Transfer duty (home concession rate)"
            }
          }
        }
      ],
      "workedExamples": [
        {
          "id": "fhb-established-700k",
          "title": "$700,000 established home, first home buyer",
          "price": 700000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": true,
          "lines": [
            {
              "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": "first-home-concession",
              "label": "Home Buyer Concession Scheme (full exemption)",
              "amount": -17048,
              "basis": "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.",
              "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"
            },
            {
              "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": 0,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "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",
          "firstHomeBuyer": true,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty (home concession rate)",
              "amount": 6708,
              "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 $450,000.00.",
              "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",
              "label": "Home Buyer Concession Scheme (full exemption)",
              "amount": -6708,
              "basis": "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.",
              "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"
            },
            {
              "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": 0,
          "crossCheck": {
            "status": "not-yet-cross-checked",
            "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",
          "price": 700000,
          "propertyType": "established",
          "purpose": "investment",
          "firstHomeBuyer": false,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty",
              "amount": 20040,
              "basis": "Calculated from the published ACT transfer duty brackets 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": 20040,
          "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"
          }
        },
        {
          "id": "oo-established-1600k",
          "title": "$1,600,000 established home, home buyer, not a first home buyer",
          "price": 1600000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": false,
          "lines": [
            {
              "id": "transfer-duty",
              "label": "Transfer duty (home concession rate)",
              "amount": 72640,
              "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 $1,600,000.00.",
              "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": 72640,
          "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"
          }
        },
        {
          "id": "oo-established-700k",
          "title": "$700,000 established home, home buyer, not a first home buyer",
          "price": 700000,
          "propertyType": "established",
          "purpose": "owner-occupied",
          "firstHomeBuyer": false,
          "lines": [
            {
              "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"
          }
        }
      ]
    },
    {
      "code": "NT",
      "name": "Northern Territory",
      "url": "https://raynorlendingsolutions.com.au/lending-reference/stamp-duty-nt.html",
      "dataUrl": "https://raynorlendingsolutions.com.au/lending-reference/nt.json",
      "grantsPageUrl": "https://raynorlendingsolutions.com.au/grants-nt.html",
      "slug": "nt",
      "rulesCheckedAt": "2026-07-12",
      "recheckedAt": "2026-09-26",
      "transferDuty": {
        "effectiveFrom": "2025-07-01",
        "source": "https://legislation.nt.gov.au/api/sitecore/Act/PDF?id=11906",
        "checkedAt": "2026-07-12",
        "status": "verified",
        "minimumDuty": null,
        "rows": [
          {
            "from": 0,
            "to": 525000,
            "range": "Up to $525,000",
            "rule": "(0.06571441 × V²) + 15V, where V is the dutiable value divided by 1,000"
          },
          {
            "from": 525000,
            "fromInclusive": false,
            "to": 3000000,
            "toInclusive": false,
            "range": "Over $525,000 and below $3,000,000",
            "rule": "$4.95 per $100 of the full dutiable value"
          },
          {
            "from": 3000000,
            "fromInclusive": true,
            "to": 5000000,
            "toInclusive": false,
            "range": "From $3,000,000 and below $5,000,000",
            "rule": "$5.75 per $100 of the full dutiable value"
          },
          {
            "from": 5000000,
            "fromInclusive": true,
            "to": null,
            "toInclusive": null,
            "range": "From $5,000,000",
            "rule": "$5.95 per $100 of the full dutiable value"
          }
        ]
      },
      "homeConcession": null,
      "firstHome": {
        "label": "First home buyer duty relief",
        "summary": "The NT delivers first home buyer help as grants and a house-and-land package duty exemption rather than a general duty concession.",
        "thresholds": [],
        "notes": [
          {
            "id": "first-home-not-eligible",
            "text": "The NT has no general first home buyer duty discount. Duty is shown at standard rates. But check two things with your broker: buying a house-and-land package as a single contract from a registered builder can be fully exempt from duty (contracts to 30 June 2027), and NT first home buyer grants (like HomeGrown Territory for new builds) are paid as cash, not duty relief."
          }
        ],
        "effectiveFrom": "2022-07-01",
        "source": "https://nt.gov.au/property/home-owner-assistance/stamp-duty-exemption; https://treasury.nt.gov.au/dtf/territory-revenue-office/whats-new/house-and-land-package-exemption-from-1-july-2022",
        "checkedAt": "2026-07-12",
        "status": "verified"
      },
      "registryFees": {
        "mortgageRegistrationFee": 181,
        "effectiveFrom": "2026-07-01",
        "source": "https://nt.gov.au/property/land-titles-office/land-titles-forms-and-fees",
        "checkedAt": "2026-07-12",
        "status": "verified"
      },
      "priceCaps": {
        "fivePercentDepositScheme": {
          "capitalAndRegionalCentres": 750000,
          "restOfState": 600000,
          "source": "https://firsthomebuyers.gov.au/australian-government-5-percent-deposit-scheme/property-price-caps",
          "checkedAt": "2026-07-12"
        },
        "helpToBuy": {
          "capitalAndRegionalCentres": 600000,
          "restOfState": 600000,
          "source": "https://firsthomebuyers.gov.au/help-buy-tools-and-resources/help-buy-property-price-caps",
          "checkedAt": "2026-07-10"
        }
      },
      "otherRules": [],
      "dutyAtCommonPrices": [
        {
          "price": 300000,
          "results": {
            "investor": {
              "transferDuty": 10414.3,
              "firstHomeConcession": 0,
              "dutyPayable": 10414.3,
              "transferRegistrationFee": 181,
              "mortgageRegistrationFee": 181,
              "rateBasis": "Transfer duty"
            },
            "home": {
              "transferDuty": 10414.3,
              "firstHomeConcession": 0,
              "dutyPayable": 10414.3,
              "transferRegistrationFee": 181,
              "mortgageRegistrationFee": 181,
              "rateBasis": "Transfer duty"
            },
            "first-home-established": {
              "transferDuty": 10414.3,
              "firstHomeConcession": 0,
              "dutyPayable": 10414.3,
              "transferRegistrationFee": 181,
              "mortgageRegistrationFee": 181,
              "rateBasis": "Transfer duty"
            },
            "first-home-new": {
              "transferDuty": 10414.3,
              "firstHomeConcession": 0,
              "dutyPayable": 10414.3,
              "transferRegistrationFee": 181,
              "mortgageRegistrationFee": 181,
              "rateBasis": "Transfer duty"
            }
          }
        },
        {
          "price": 350000,
          "results": {
            "investor": {
              "transferDuty": 13300.02,
              "firstHomeConcession": 0,
              "dutyPayable": 13300.02,
              "transferRegistrationFee": 181,
              "mortgageRegistrationFee": 181,
              "rateBasis": "Transfer duty"
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            "home": {
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          "propertyType": "established",
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        },
        {
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          "price": 700000,
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              "source": "https://nt.gov.au/property/land-titles-office/land-titles-forms-and-fees"
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        },
        {
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              "id": "mortgage-registration",
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              "source": "https://nt.gov.au/property/land-titles-office/land-titles-forms-and-fees"
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    "title": "Help to Buy",
    "url": "https://raynorlendingsolutions.com.au/lending-reference/help-to-buy.html",
    "dataUrl": "https://raynorlendingsolutions.com.au/lending-reference/help-to-buy.json",
    "calculatorUrl": "https://raynorlendingsolutions.com.au/help-to-buy-calculator.html",
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      "singleParent": 165000,
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      "source": "https://firsthomebuyers.gov.au/HTB-thresholds",
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    "priceCaps": {
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        },
        "ACT": {
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        },
        "NT": {
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      },
      "source": "https://firsthomebuyers.gov.au/help-buy-tools-and-resources/help-buy-property-price-caps",
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    },
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