Buying your first home in Victoria? Work out the real costs in 30 seconds.

Free calculators using official SRO and ATO rates. No sign-up.

🏷️Stamp dutyExact Victorian duty, incl. first home buyer savings.Start →🔑5% deposit checkSee if you qualify for the First Home Guarantee.Start →💰Borrowing powerHow much a lender might lend you.Start →📅RepaymentsMonthly and fortnightly loan costs.Start →

First home buyer duty Off-the-plan duty Investor vs owner-occupier HECS-HELP Salary sacrifice

Official ratesBuilt on State Revenue Office Victoria and ATO figures, checked October 2026.

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First home buyer focusedExemptions, concessions and the 5% deposit scheme built in.

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Find out what you can really borrow and which lenders accept a 5% deposit.

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Frequently asked questions

Do first home buyers pay stamp duty in Victoria?

First home buyers who live in the property pay no land transfer duty on homes valued up to $600,000, and a reduced amount between $600,001 and $750,000.

Is this financial advice?

No. These calculators provide general information only. Confirm with the SRO, your lender or a licensed adviser.

General information only — not financial, tax or legal advice. Results are estimates based on published government rates and simplified assumptions, and do not consider your personal circumstances. Always confirm with the State Revenue Office, the ATO, your lender, a licensed mortgage broker or a qualified adviser before making decisions.