{
  "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": "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"
        }
      }
    ]
  }
}