{
  "schemaVersion": "1.0",
  "datasetVersion": "f185ac7f7081",
  "referenceUrl": "https://raynorlendingsolutions.com.au/lending-reference/",
  "publisher": {
    "name": "Raynor Lending Solutions",
    "url": "https://raynorlendingsolutions.com.au/",
    "author": "Jai Raynor",
    "authorRole": "Principal Broker",
    "authorUrl": "https://raynorlendingsolutions.com.au/about.html"
  },
  "amountUnit": "AUD",
  "disclaimer": "General information only, not personal financial or credit advice. Figures are calculated from published state and territory rules for the scenarios shown. They do not confirm eligibility for any concession or scheme, assess borrowing capacity or replace a quote from a conveyancer or the relevant revenue office.",
  "method": "Every figure is calculated by the same engine and rules data that run the Cost to Complete calculator on this site. Each rule records its official source and the date it was checked. Worked examples show each line with the engine's own explanation, and examples marked as matching an official example reproduce a revenue office's published calculation.",
  "excludes": [
    "Foreign purchaser surcharge duty and land tax.",
    "Off-the-plan, pensioner, senior and other special concessions not listed on each state page.",
    "First home owner grants and other cash grants, which are paid separately and do not reduce duty.",
    "Eligibility conditions such as residence periods, citizenship, prior ownership and income tests. The first home figures assume every condition is met.",
    "Conveyancing, lender, inspection and insurance costs."
  ],
  "reuse": "Free to quote. Please link to the page the figures came from.",
  "helpToBuy": {
    "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",
    "financialYear": "2026-27",
    "minimumDepositShare": 0.02,
    "maximumGovernmentShare": {
      "newHome": 0.4,
      "existingHome": 0.3
    },
    "minimumGovernmentShare": 0.05,
    "incomeCaps": {
      "single": 103000,
      "jointApplicants": 165000,
      "singleParent": 165000,
      "basis": "Annual taxable income from the ATO notice of assessment, 2026-27 threshold period (1 July 2026 to 30 June 2027).",
      "source": "https://firsthomebuyers.gov.au/HTB-thresholds",
      "checkedAt": "2026-07-10"
    },
    "priceCaps": {
      "byState": {
        "QLD": {
          "capitalAndRegionalCentres": 1000000,
          "restOfState": 700000
        },
        "NSW": {
          "capitalAndRegionalCentres": 1300000,
          "restOfState": 800000
        },
        "VIC": {
          "capitalAndRegionalCentres": 950000,
          "restOfState": 650000
        },
        "WA": {
          "capitalAndRegionalCentres": 850000,
          "restOfState": 600000
        },
        "SA": {
          "capitalAndRegionalCentres": 900000,
          "restOfState": 500000
        },
        "TAS": {
          "capitalAndRegionalCentres": 700000,
          "restOfState": 550000
        },
        "ACT": {
          "capitalAndRegionalCentres": 1000000,
          "restOfState": null
        },
        "NT": {
          "capitalAndRegionalCentres": 600000,
          "restOfState": 600000
        }
      },
      "source": "https://firsthomebuyers.gov.au/help-buy-tools-and-resources/help-buy-property-price-caps",
      "checkedAt": "2026-07-10"
    },
    "source": "https://firsthomebuyers.gov.au/australian-government-help-buy-scheme",
    "checkedAt": "2026-07-10",
    "recheckedAt": "2026-09-26"
  }
}