{
  "schemaVersion": "1.0",
  "datasetVersion": "f185ac7f7081",
  "referenceUrl": "https://raynorlendingsolutions.com.au/lending-reference/",
  "publisher": {
    "name": "Raynor Lending Solutions",
    "url": "https://raynorlendingsolutions.com.au/",
    "author": "Jai Raynor",
    "authorRole": "Principal Broker",
    "authorUrl": "https://raynorlendingsolutions.com.au/about.html"
  },
  "amountUnit": "AUD",
  "disclaimer": "General information only, not personal financial or credit advice. Figures are calculated from published state and territory rules for the scenarios shown. They do not confirm eligibility for any concession or scheme, assess borrowing capacity or replace a quote from a conveyancer or the relevant revenue office.",
  "method": "Every figure is calculated by the same engine and rules data that run the Cost to Complete calculator on this site. Each rule records its official source and the date it was checked. Worked examples show each line with the engine's own explanation, and examples marked as matching an official example reproduce a revenue office's published calculation.",
  "excludes": [
    "Foreign purchaser surcharge duty and land tax.",
    "Off-the-plan, pensioner, senior and other special concessions not listed on each state page.",
    "First home owner grants and other cash grants, which are paid separately and do not reduce duty.",
    "Eligibility conditions such as residence periods, citizenship, prior ownership and income tests. The first home figures assume every condition is met.",
    "Conveyancing, lender, inspection and insurance costs."
  ],
  "reuse": "Free to quote. Please link to the page the figures came from.",
  "buyerTypes": [
    {
      "id": "investor",
      "label": "Investor",
      "description": "Buying an established property to rent out. General transfer duty rates, no home or first home concessions."
    },
    {
      "id": "home",
      "label": "Home buyer",
      "description": "Buying an established home to live in, not a first home buyer. Includes any owner-occupier concession the state offers."
    },
    {
      "id": "first-home-established",
      "label": "First home buyer, established home",
      "description": "An eligible first home buyer buying an established home to live in."
    },
    {
      "id": "first-home-new",
      "label": "First home buyer, new home",
      "description": "An eligible first home buyer buying a brand-new home to live in."
    }
  ],
  "state": {
    "code": "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,
            "mortgageRegistrationFee": 182.73,
            "rateBasis": "Transfer duty"
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          "home": {
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            "firstHomeConcession": 0,
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            "transferRegistrationFee": 182.73,
            "mortgageRegistrationFee": 182.73,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 36937,
            "firstHomeConcession": 7546.75,
            "dutyPayable": 29390.25,
            "transferRegistrationFee": 182.73,
            "mortgageRegistrationFee": 182.73,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 36937,
            "firstHomeConcession": 7546.75,
            "dutyPayable": 29390.25,
            "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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            "dutyPayable": 39187,
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            "mortgageRegistrationFee": 182.73,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
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            "firstHomeConcession": 0,
            "dutyPayable": 39187,
            "transferRegistrationFee": 182.73,
            "mortgageRegistrationFee": 182.73,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
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            "firstHomeConcession": 0,
            "dutyPayable": 39187,
            "transferRegistrationFee": 182.73,
            "mortgageRegistrationFee": 182.73,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 1050000,
        "results": {
          "investor": {
            "transferDuty": 41437,
            "firstHomeConcession": 0,
            "dutyPayable": 41437,
            "transferRegistrationFee": 182.73,
            "mortgageRegistrationFee": 182.73,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 41437,
            "firstHomeConcession": 0,
            "dutyPayable": 41437,
            "transferRegistrationFee": 182.73,
            "mortgageRegistrationFee": 182.73,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 41437,
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          },
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          }
        }
      },
      {
        "price": 1100000,
        "results": {
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            "firstHomeConcession": 0,
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          },
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            "transferDuty": 43687,
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          },
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          }
        }
      },
      {
        "price": 1150000,
        "results": {
          "investor": {
            "transferDuty": 45937,
            "firstHomeConcession": 0,
            "dutyPayable": 45937,
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          },
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            "transferDuty": 45937,
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          },
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          },
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            "transferDuty": 45937,
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          }
        }
      },
      {
        "price": 1200000,
        "results": {
          "investor": {
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            "firstHomeConcession": 0,
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          },
          "home": {
            "transferDuty": 48187,
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          },
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          }
        }
      },
      {
        "price": 1250000,
        "results": {
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            "transferDuty": 50437,
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            "mortgageRegistrationFee": 182.73,
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          },
          "home": {
            "transferDuty": 50437,
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            "transferRegistrationFee": 182.73,
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          },
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            "transferDuty": 50437,
            "firstHomeConcession": 0,
            "dutyPayable": 50437,
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            "mortgageRegistrationFee": 182.73,
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          },
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            "transferDuty": 50437,
            "firstHomeConcession": 0,
            "dutyPayable": 50437,
            "transferRegistrationFee": 182.73,
            "mortgageRegistrationFee": 182.73,
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          }
        }
      },
      {
        "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,
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          },
          "first-home-established": {
            "transferDuty": 52787,
            "firstHomeConcession": 0,
            "dutyPayable": 52787,
            "transferRegistrationFee": 182.73,
            "mortgageRegistrationFee": 182.73,
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          },
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            "transferDuty": 52787,
            "firstHomeConcession": 0,
            "dutyPayable": 52787,
            "transferRegistrationFee": 182.73,
            "mortgageRegistrationFee": 182.73,
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          }
        }
      },
      {
        "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,
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          }
        }
      },
      {
        "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"
        }
      }
    ]
  }
}