{
  "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": "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"
          },
          "home": {
            "transferDuty": 13300.02,
            "firstHomeConcession": 0,
            "dutyPayable": 13300.02,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 13300.02,
            "firstHomeConcession": 0,
            "dutyPayable": 13300.02,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 13300.02,
            "firstHomeConcession": 0,
            "dutyPayable": 13300.02,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 400000,
        "results": {
          "investor": {
            "transferDuty": 16514.31,
            "firstHomeConcession": 0,
            "dutyPayable": 16514.31,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 16514.31,
            "firstHomeConcession": 0,
            "dutyPayable": 16514.31,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 16514.31,
            "firstHomeConcession": 0,
            "dutyPayable": 16514.31,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 16514.31,
            "firstHomeConcession": 0,
            "dutyPayable": 16514.31,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 450000,
        "results": {
          "investor": {
            "transferDuty": 20057.17,
            "firstHomeConcession": 0,
            "dutyPayable": 20057.17,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 20057.17,
            "firstHomeConcession": 0,
            "dutyPayable": 20057.17,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 20057.17,
            "firstHomeConcession": 0,
            "dutyPayable": 20057.17,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 20057.17,
            "firstHomeConcession": 0,
            "dutyPayable": 20057.17,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 500000,
        "results": {
          "investor": {
            "transferDuty": 23928.6,
            "firstHomeConcession": 0,
            "dutyPayable": 23928.6,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 23928.6,
            "firstHomeConcession": 0,
            "dutyPayable": 23928.6,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 23928.6,
            "firstHomeConcession": 0,
            "dutyPayable": 23928.6,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 23928.6,
            "firstHomeConcession": 0,
            "dutyPayable": 23928.6,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 550000,
        "results": {
          "investor": {
            "transferDuty": 27225,
            "firstHomeConcession": 0,
            "dutyPayable": 27225,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 27225,
            "firstHomeConcession": 0,
            "dutyPayable": 27225,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 27225,
            "firstHomeConcession": 0,
            "dutyPayable": 27225,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 27225,
            "firstHomeConcession": 0,
            "dutyPayable": 27225,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 600000,
        "results": {
          "investor": {
            "transferDuty": 29700,
            "firstHomeConcession": 0,
            "dutyPayable": 29700,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 29700,
            "firstHomeConcession": 0,
            "dutyPayable": 29700,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 29700,
            "firstHomeConcession": 0,
            "dutyPayable": 29700,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 29700,
            "firstHomeConcession": 0,
            "dutyPayable": 29700,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 650000,
        "results": {
          "investor": {
            "transferDuty": 32175,
            "firstHomeConcession": 0,
            "dutyPayable": 32175,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 32175,
            "firstHomeConcession": 0,
            "dutyPayable": 32175,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 32175,
            "firstHomeConcession": 0,
            "dutyPayable": 32175,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 32175,
            "firstHomeConcession": 0,
            "dutyPayable": 32175,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 700000,
        "results": {
          "investor": {
            "transferDuty": 34650,
            "firstHomeConcession": 0,
            "dutyPayable": 34650,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 34650,
            "firstHomeConcession": 0,
            "dutyPayable": 34650,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 34650,
            "firstHomeConcession": 0,
            "dutyPayable": 34650,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 34650,
            "firstHomeConcession": 0,
            "dutyPayable": 34650,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 750000,
        "results": {
          "investor": {
            "transferDuty": 37125,
            "firstHomeConcession": 0,
            "dutyPayable": 37125,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 37125,
            "firstHomeConcession": 0,
            "dutyPayable": 37125,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 37125,
            "firstHomeConcession": 0,
            "dutyPayable": 37125,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 37125,
            "firstHomeConcession": 0,
            "dutyPayable": 37125,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 800000,
        "results": {
          "investor": {
            "transferDuty": 39600,
            "firstHomeConcession": 0,
            "dutyPayable": 39600,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 39600,
            "firstHomeConcession": 0,
            "dutyPayable": 39600,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 39600,
            "firstHomeConcession": 0,
            "dutyPayable": 39600,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 39600,
            "firstHomeConcession": 0,
            "dutyPayable": 39600,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 850000,
        "results": {
          "investor": {
            "transferDuty": 42075,
            "firstHomeConcession": 0,
            "dutyPayable": 42075,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 42075,
            "firstHomeConcession": 0,
            "dutyPayable": 42075,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 42075,
            "firstHomeConcession": 0,
            "dutyPayable": 42075,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 42075,
            "firstHomeConcession": 0,
            "dutyPayable": 42075,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 900000,
        "results": {
          "investor": {
            "transferDuty": 44550,
            "firstHomeConcession": 0,
            "dutyPayable": 44550,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 44550,
            "firstHomeConcession": 0,
            "dutyPayable": 44550,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 44550,
            "firstHomeConcession": 0,
            "dutyPayable": 44550,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 44550,
            "firstHomeConcession": 0,
            "dutyPayable": 44550,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 950000,
        "results": {
          "investor": {
            "transferDuty": 47025,
            "firstHomeConcession": 0,
            "dutyPayable": 47025,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 47025,
            "firstHomeConcession": 0,
            "dutyPayable": 47025,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 47025,
            "firstHomeConcession": 0,
            "dutyPayable": 47025,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 47025,
            "firstHomeConcession": 0,
            "dutyPayable": 47025,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 1000000,
        "results": {
          "investor": {
            "transferDuty": 49500,
            "firstHomeConcession": 0,
            "dutyPayable": 49500,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 49500,
            "firstHomeConcession": 0,
            "dutyPayable": 49500,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 49500,
            "firstHomeConcession": 0,
            "dutyPayable": 49500,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 49500,
            "firstHomeConcession": 0,
            "dutyPayable": 49500,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 1050000,
        "results": {
          "investor": {
            "transferDuty": 51975,
            "firstHomeConcession": 0,
            "dutyPayable": 51975,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 51975,
            "firstHomeConcession": 0,
            "dutyPayable": 51975,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 51975,
            "firstHomeConcession": 0,
            "dutyPayable": 51975,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 51975,
            "firstHomeConcession": 0,
            "dutyPayable": 51975,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 1100000,
        "results": {
          "investor": {
            "transferDuty": 54450,
            "firstHomeConcession": 0,
            "dutyPayable": 54450,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 54450,
            "firstHomeConcession": 0,
            "dutyPayable": 54450,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 54450,
            "firstHomeConcession": 0,
            "dutyPayable": 54450,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 54450,
            "firstHomeConcession": 0,
            "dutyPayable": 54450,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 1150000,
        "results": {
          "investor": {
            "transferDuty": 56925,
            "firstHomeConcession": 0,
            "dutyPayable": 56925,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 56925,
            "firstHomeConcession": 0,
            "dutyPayable": 56925,
            "transferRegistrationFee": 181,
            "mortgageRegistrationFee": 181,
            "rateBasis": "Transfer duty"
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          "first-home-established": {
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          },
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          }
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      },
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}