{
  "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": "SA",
    "name": "South Australia",
    "url": "https://raynorlendingsolutions.com.au/lending-reference/stamp-duty-sa.html",
    "dataUrl": "https://raynorlendingsolutions.com.au/lending-reference/sa.json",
    "grantsPageUrl": "https://raynorlendingsolutions.com.au/grants-sa.html",
    "slug": "sa",
    "rulesCheckedAt": "2026-07-10",
    "recheckedAt": "2026-09-26",
    "transferDuty": {
      "effectiveFrom": "2025-12-04",
      "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf",
      "checkedAt": "2026-07-10",
      "status": "verified",
      "minimumDuty": null,
      "rows": [
        {
          "from": 0,
          "fromInclusive": true,
          "to": 12000,
          "toInclusive": true,
          "range": "Up to $12,000",
          "rule": "$1 per $100 or part of $100"
        },
        {
          "from": 12000,
          "fromInclusive": false,
          "to": 30000,
          "toInclusive": true,
          "range": "Over $12,000 up to $30,000",
          "rule": "$120 plus $2 per $100 or part of $100 over $12,000"
        },
        {
          "from": 30000,
          "fromInclusive": false,
          "to": 50000,
          "toInclusive": true,
          "range": "Over $30,000 up to $50,000",
          "rule": "$480 plus $3 per $100 or part of $100 over $30,000"
        },
        {
          "from": 50000,
          "fromInclusive": false,
          "to": 100000,
          "toInclusive": true,
          "range": "Over $50,000 up to $100,000",
          "rule": "$1,080 plus $3.50 per $100 or part of $100 over $50,000"
        },
        {
          "from": 100000,
          "fromInclusive": false,
          "to": 200000,
          "toInclusive": true,
          "range": "Over $100,000 up to $200,000",
          "rule": "$2,830 plus $4 per $100 or part of $100 over $100,000"
        },
        {
          "from": 200000,
          "fromInclusive": false,
          "to": 250000,
          "toInclusive": true,
          "range": "Over $200,000 up to $250,000",
          "rule": "$6,830 plus $4.25 per $100 or part of $100 over $200,000"
        },
        {
          "from": 250000,
          "fromInclusive": false,
          "to": 300000,
          "toInclusive": true,
          "range": "Over $250,000 up to $300,000",
          "rule": "$8,955 plus $4.75 per $100 or part of $100 over $250,000"
        },
        {
          "from": 300000,
          "fromInclusive": false,
          "to": 500000,
          "toInclusive": true,
          "range": "Over $300,000 up to $500,000",
          "rule": "$11,330 plus $5 per $100 or part of $100 over $300,000"
        },
        {
          "from": 500000,
          "fromInclusive": false,
          "to": null,
          "toInclusive": null,
          "range": "Over $500,000",
          "rule": "$21,330 plus $5.50 per $100 or part of $100 over $500,000"
        }
      ]
    },
    "homeConcession": null,
    "firstHome": {
      "label": "First home buyer duty relief",
      "summary": "Full exemption from stamp duty for eligible first home buyers purchasing a new home or vacant land to build on, with no value cap for contracts from 6 June 2024 (Stamp Duties Act 1923 (SA) s 71DD).",
      "thresholds": [
        {
          "propertyType": "new",
          "fullExemptionUpTo": null,
          "concessionEndsAt": null,
          "note": "No duty, no value cap",
          "propertyTypeLabel": "new home"
        },
        {
          "propertyType": "vacant-land",
          "fullExemptionUpTo": null,
          "concessionEndsAt": null,
          "note": "No duty, no value cap",
          "propertyTypeLabel": "vacant land"
        }
      ],
      "notes": [
        {
          "id": "first-home-not-eligible",
          "text": "South Australia's first home buyer duty relief only applies to new homes and vacant land you'll build on. There is no duty relief for established homes."
        }
      ],
      "effectiveFrom": "2024-06-06",
      "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf",
      "checkedAt": "2026-07-10",
      "status": "verified"
    },
    "registryFees": {
      "mortgageRegistrationFee": 204,
      "effectiveFrom": "2026-07-01",
      "source": "https://www.landservices.com.au/our-resources/fees-and-charges-2026-27/",
      "checkedAt": "2026-07-10",
      "status": "verified"
    },
    "priceCaps": {
      "fivePercentDepositScheme": {
        "capitalAndRegionalCentres": 900000,
        "restOfState": 500000,
        "source": "https://firsthomebuyers.gov.au/australian-government-5-percent-deposit-scheme/property-price-caps",
        "checkedAt": "2026-07-12"
      },
      "helpToBuy": {
        "capitalAndRegionalCentres": 900000,
        "restOfState": 500000,
        "source": "https://firsthomebuyers.gov.au/help-buy-tools-and-resources/help-buy-property-price-caps",
        "checkedAt": "2026-07-10"
      }
    },
    "otherRules": [],
    "dutyAtCommonPrices": [
      {
        "price": 300000,
        "results": {
          "investor": {
            "transferDuty": 11330,
            "firstHomeConcession": 0,
            "dutyPayable": 11330,
            "transferRegistrationFee": 2978,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 11330,
            "firstHomeConcession": 0,
            "dutyPayable": 11330,
            "transferRegistrationFee": 2978,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 11330,
            "firstHomeConcession": 0,
            "dutyPayable": 11330,
            "transferRegistrationFee": 2978,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 11330,
            "firstHomeConcession": 11330,
            "dutyPayable": 0,
            "transferRegistrationFee": 204,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 350000,
        "results": {
          "investor": {
            "transferDuty": 13830,
            "firstHomeConcession": 0,
            "dutyPayable": 13830,
            "transferRegistrationFee": 3503,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 13830,
            "firstHomeConcession": 0,
            "dutyPayable": 13830,
            "transferRegistrationFee": 3503,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 13830,
            "firstHomeConcession": 0,
            "dutyPayable": 13830,
            "transferRegistrationFee": 3503,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 13830,
            "firstHomeConcession": 13830,
            "dutyPayable": 0,
            "transferRegistrationFee": 204,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 400000,
        "results": {
          "investor": {
            "transferDuty": 16330,
            "firstHomeConcession": 0,
            "dutyPayable": 16330,
            "transferRegistrationFee": 4028,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 16330,
            "firstHomeConcession": 0,
            "dutyPayable": 16330,
            "transferRegistrationFee": 4028,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 16330,
            "firstHomeConcession": 0,
            "dutyPayable": 16330,
            "transferRegistrationFee": 4028,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 16330,
            "firstHomeConcession": 16330,
            "dutyPayable": 0,
            "transferRegistrationFee": 204,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 450000,
        "results": {
          "investor": {
            "transferDuty": 18830,
            "firstHomeConcession": 0,
            "dutyPayable": 18830,
            "transferRegistrationFee": 4553,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 18830,
            "firstHomeConcession": 0,
            "dutyPayable": 18830,
            "transferRegistrationFee": 4553,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 18830,
            "firstHomeConcession": 0,
            "dutyPayable": 18830,
            "transferRegistrationFee": 4553,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 18830,
            "firstHomeConcession": 18830,
            "dutyPayable": 0,
            "transferRegistrationFee": 204,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 500000,
        "results": {
          "investor": {
            "transferDuty": 21330,
            "firstHomeConcession": 0,
            "dutyPayable": 21330,
            "transferRegistrationFee": 5078,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 21330,
            "firstHomeConcession": 0,
            "dutyPayable": 21330,
            "transferRegistrationFee": 5078,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 21330,
            "firstHomeConcession": 0,
            "dutyPayable": 21330,
            "transferRegistrationFee": 5078,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 21330,
            "firstHomeConcession": 21330,
            "dutyPayable": 0,
            "transferRegistrationFee": 204,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 550000,
        "results": {
          "investor": {
            "transferDuty": 24080,
            "firstHomeConcession": 0,
            "dutyPayable": 24080,
            "transferRegistrationFee": 5603,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 24080,
            "firstHomeConcession": 0,
            "dutyPayable": 24080,
            "transferRegistrationFee": 5603,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 24080,
            "firstHomeConcession": 0,
            "dutyPayable": 24080,
            "transferRegistrationFee": 5603,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 24080,
            "firstHomeConcession": 24080,
            "dutyPayable": 0,
            "transferRegistrationFee": 204,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 600000,
        "results": {
          "investor": {
            "transferDuty": 26830,
            "firstHomeConcession": 0,
            "dutyPayable": 26830,
            "transferRegistrationFee": 6128,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 26830,
            "firstHomeConcession": 0,
            "dutyPayable": 26830,
            "transferRegistrationFee": 6128,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 26830,
            "firstHomeConcession": 0,
            "dutyPayable": 26830,
            "transferRegistrationFee": 6128,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 26830,
            "firstHomeConcession": 26830,
            "dutyPayable": 0,
            "transferRegistrationFee": 204,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 650000,
        "results": {
          "investor": {
            "transferDuty": 29580,
            "firstHomeConcession": 0,
            "dutyPayable": 29580,
            "transferRegistrationFee": 6653,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 29580,
            "firstHomeConcession": 0,
            "dutyPayable": 29580,
            "transferRegistrationFee": 6653,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 29580,
            "firstHomeConcession": 0,
            "dutyPayable": 29580,
            "transferRegistrationFee": 6653,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 29580,
            "firstHomeConcession": 29580,
            "dutyPayable": 0,
            "transferRegistrationFee": 204,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 700000,
        "results": {
          "investor": {
            "transferDuty": 32330,
            "firstHomeConcession": 0,
            "dutyPayable": 32330,
            "transferRegistrationFee": 7178,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 32330,
            "firstHomeConcession": 0,
            "dutyPayable": 32330,
            "transferRegistrationFee": 7178,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 32330,
            "firstHomeConcession": 0,
            "dutyPayable": 32330,
            "transferRegistrationFee": 7178,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 32330,
            "firstHomeConcession": 32330,
            "dutyPayable": 0,
            "transferRegistrationFee": 204,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 750000,
        "results": {
          "investor": {
            "transferDuty": 35080,
            "firstHomeConcession": 0,
            "dutyPayable": 35080,
            "transferRegistrationFee": 7703,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 35080,
            "firstHomeConcession": 0,
            "dutyPayable": 35080,
            "transferRegistrationFee": 7703,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 35080,
            "firstHomeConcession": 0,
            "dutyPayable": 35080,
            "transferRegistrationFee": 7703,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 35080,
            "firstHomeConcession": 35080,
            "dutyPayable": 0,
            "transferRegistrationFee": 204,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 800000,
        "results": {
          "investor": {
            "transferDuty": 37830,
            "firstHomeConcession": 0,
            "dutyPayable": 37830,
            "transferRegistrationFee": 8228,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 37830,
            "firstHomeConcession": 0,
            "dutyPayable": 37830,
            "transferRegistrationFee": 8228,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 37830,
            "firstHomeConcession": 0,
            "dutyPayable": 37830,
            "transferRegistrationFee": 8228,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 37830,
            "firstHomeConcession": 37830,
            "dutyPayable": 0,
            "transferRegistrationFee": 204,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 850000,
        "results": {
          "investor": {
            "transferDuty": 40580,
            "firstHomeConcession": 0,
            "dutyPayable": 40580,
            "transferRegistrationFee": 8753,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 40580,
            "firstHomeConcession": 0,
            "dutyPayable": 40580,
            "transferRegistrationFee": 8753,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 40580,
            "firstHomeConcession": 0,
            "dutyPayable": 40580,
            "transferRegistrationFee": 8753,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 40580,
            "firstHomeConcession": 40580,
            "dutyPayable": 0,
            "transferRegistrationFee": 204,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 900000,
        "results": {
          "investor": {
            "transferDuty": 43330,
            "firstHomeConcession": 0,
            "dutyPayable": 43330,
            "transferRegistrationFee": 9278,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 43330,
            "firstHomeConcession": 0,
            "dutyPayable": 43330,
            "transferRegistrationFee": 9278,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 43330,
            "firstHomeConcession": 0,
            "dutyPayable": 43330,
            "transferRegistrationFee": 9278,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 43330,
            "firstHomeConcession": 43330,
            "dutyPayable": 0,
            "transferRegistrationFee": 204,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 950000,
        "results": {
          "investor": {
            "transferDuty": 46080,
            "firstHomeConcession": 0,
            "dutyPayable": 46080,
            "transferRegistrationFee": 9803,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 46080,
            "firstHomeConcession": 0,
            "dutyPayable": 46080,
            "transferRegistrationFee": 9803,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 46080,
            "firstHomeConcession": 0,
            "dutyPayable": 46080,
            "transferRegistrationFee": 9803,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 46080,
            "firstHomeConcession": 46080,
            "dutyPayable": 0,
            "transferRegistrationFee": 204,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 1000000,
        "results": {
          "investor": {
            "transferDuty": 48830,
            "firstHomeConcession": 0,
            "dutyPayable": 48830,
            "transferRegistrationFee": 10328,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 48830,
            "firstHomeConcession": 0,
            "dutyPayable": 48830,
            "transferRegistrationFee": 10328,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 48830,
            "firstHomeConcession": 0,
            "dutyPayable": 48830,
            "transferRegistrationFee": 10328,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 48830,
            "firstHomeConcession": 48830,
            "dutyPayable": 0,
            "transferRegistrationFee": 204,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 1050000,
        "results": {
          "investor": {
            "transferDuty": 51580,
            "firstHomeConcession": 0,
            "dutyPayable": 51580,
            "transferRegistrationFee": 10853,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "home": {
            "transferDuty": 51580,
            "firstHomeConcession": 0,
            "dutyPayable": 51580,
            "transferRegistrationFee": 10853,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-established": {
            "transferDuty": 51580,
            "firstHomeConcession": 0,
            "dutyPayable": 51580,
            "transferRegistrationFee": 10853,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
          "first-home-new": {
            "transferDuty": 51580,
            "firstHomeConcession": 51580,
            "dutyPayable": 0,
            "transferRegistrationFee": 204,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
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        }
      },
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        }
      },
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        }
      },
      {
        "price": 1200000,
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        }
      },
      {
        "price": 1250000,
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        }
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        "price": 1300000,
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        }
      },
      {
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        "results": {
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          }
        }
      },
      {
        "price": 1400000,
        "results": {
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            "transferDuty": 70830,
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            "rateBasis": "Transfer duty"
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          }
        }
      },
      {
        "price": 1450000,
        "results": {
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            "rateBasis": "Transfer duty"
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            "rateBasis": "Transfer duty"
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          "first-home-established": {
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            "transferRegistrationFee": 204,
            "mortgageRegistrationFee": 204,
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          }
        }
      },
      {
        "price": 1500000,
        "results": {
          "investor": {
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            "firstHomeConcession": 0,
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          },
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          },
          "first-home-established": {
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          }
        }
      },
      {
        "price": 1750000,
        "results": {
          "investor": {
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            "firstHomeConcession": 0,
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            "transferRegistrationFee": 18203,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
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            "mortgageRegistrationFee": 204,
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          },
          "first-home-established": {
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            "transferRegistrationFee": 18203,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
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            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          }
        }
      },
      {
        "price": 2000000,
        "results": {
          "investor": {
            "transferDuty": 103830,
            "firstHomeConcession": 0,
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            "transferRegistrationFee": 20828,
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            "rateBasis": "Transfer duty"
          },
          "home": {
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            "firstHomeConcession": 0,
            "dutyPayable": 103830,
            "transferRegistrationFee": 20828,
            "mortgageRegistrationFee": 204,
            "rateBasis": "Transfer duty"
          },
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          },
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            "rateBasis": "Transfer duty"
          }
        }
      }
    ],
    "workedExamples": [
      {
        "id": "fhb-established-500k",
        "title": "$500,000 established home, first home buyer",
        "price": 500000,
        "propertyType": "established",
        "purpose": "owner-occupied",
        "firstHomeBuyer": true,
        "lines": [
          {
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            "label": "Transfer duty",
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            "basis": "Calculated from the published SA transfer duty brackets on a dutiable value of $500,000.00.",
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          },
          {
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            "amount": 204,
            "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
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          },
          {
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          }
        ],
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        "crossCheck": {
          "status": "not-yet-cross-checked",
          "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf",
          "checkedAt": "2026-07-10"
        }
      },
      {
        "id": "fhb-new-600k",
        "title": "$600,000 new home, first home buyer",
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        "propertyType": "new",
        "purpose": "owner-occupied",
        "firstHomeBuyer": true,
        "lines": [
          {
            "id": "transfer-duty",
            "label": "Transfer duty",
            "amount": 26830,
            "basis": "Calculated from the published SA transfer duty brackets on a dutiable value of $600,000.00.",
            "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf"
          },
          {
            "id": "first-home-concession",
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          },
          {
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            "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
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          },
          {
            "id": "transfer-registration",
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            "amount": 204,
            "basis": "Flat land registry fee for a transfer with no duty payable.",
            "source": "https://www.landservices.com.au/our-resources/fees-and-charges-2026-27/"
          }
        ],
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        "crossCheck": {
          "status": "not-yet-cross-checked",
          "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf",
          "checkedAt": "2026-09-26"
        }
      },
      {
        "id": "fhb-vacant-land-350k",
        "title": "$350,000 vacant land, first home buyer",
        "price": 350000,
        "propertyType": "vacant-land",
        "purpose": "owner-occupied",
        "firstHomeBuyer": true,
        "lines": [
          {
            "id": "transfer-duty",
            "label": "Transfer duty",
            "amount": 13830,
            "basis": "Calculated from the published SA transfer duty brackets on a dutiable value of $350,000.00.",
            "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf"
          },
          {
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            "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf"
          },
          {
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            "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
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          },
          {
            "id": "transfer-registration",
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            "source": "https://www.landservices.com.au/our-resources/fees-and-charges-2026-27/"
          }
        ],
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        "crossCheck": {
          "status": "not-yet-cross-checked",
          "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf",
          "checkedAt": "2026-09-26"
        }
      },
      {
        "id": "investor-established-700k",
        "title": "$700,000 established home, investor",
        "price": 700000,
        "propertyType": "established",
        "purpose": "investment",
        "firstHomeBuyer": false,
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          {
            "id": "transfer-duty",
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            "basis": "Calculated from the published SA transfer duty brackets on a dutiable value of $700,000.00.",
            "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf"
          },
          {
            "id": "mortgage-registration",
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            "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
            "source": "https://www.landservices.com.au/our-resources/fees-and-charges-2026-27/"
          },
          {
            "id": "transfer-registration",
            "label": "Transfer registration fee",
            "amount": 7178,
            "basis": "Land registry fee to register the transfer: $353.00 base plus $105.00 per $10,000.00 (or part) above $50,000.00.",
            "source": "https://www.landservices.com.au/our-resources/fees-and-charges-2026-27/"
          }
        ],
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        "crossCheck": {
          "status": "not-yet-cross-checked",
          "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf",
          "checkedAt": "2026-07-10"
        }
      },
      {
        "id": "oo-established-500k",
        "title": "$500,000 established home, home buyer, not a first home buyer",
        "price": 500000,
        "propertyType": "established",
        "purpose": "owner-occupied",
        "firstHomeBuyer": false,
        "lines": [
          {
            "id": "transfer-duty",
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            "basis": "Calculated from the published SA transfer duty brackets on a dutiable value of $500,000.00.",
            "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf"
          },
          {
            "id": "mortgage-registration",
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            "amount": 204,
            "basis": "Flat land registry fee to register the lender’s mortgage on the title.",
            "source": "https://www.landservices.com.au/our-resources/fees-and-charges-2026-27/"
          },
          {
            "id": "transfer-registration",
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            "amount": 5078,
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            "source": "https://www.landservices.com.au/our-resources/fees-and-charges-2026-27/"
          }
        ],
        "dutyPayable": 21330,
        "crossCheck": {
          "status": "not-yet-cross-checked",
          "source": "https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf",
          "checkedAt": "2026-07-10"
        }
      }
    ]
  }
}