Buying a property in Sydney comes with more than just the purchase price. There’s transfer duty and lenders mortgage insurance to consider for example. Or if you’re a property investor possible land tax considerations.
Below is a collection of trusted resources and home buyer calculators. These tools will help you source accurate information, estimate costs, explore potential savings, and check your eligibility for assistance such as the Home Guarantee Scheme.
Links connect directly to an official NSW or Australian Government source.
Transfer Duty
Service NSW Information on Transfer Duty – Click here
Revenue NSW Transfer Duty Calculator : payable on the purchase of the sale or transfer of land.
Premium Property Duty : payable on property purchases above a certain value, currently $3,721,000 for the 2025/2026 financial year.
Mortgage Calculator
Mortgage calculator from Money Smart – Click here
First Home Buyers
Home Guarantee Scheme – For First Home Buyers from 1 October, 2025
Government support for buyers who have saved a minimum deposit of 5% of the property value to buy a home.
General Information – Click here
Eligibility Tool – Click here
Participating Lenders – Click here
First Home Buyers Assistance scheme : first home buyers in NSW pay no transfer duty on homes up to $800,000 or vacant land up to $350,000 with reduced rates available on homes up to $1,000,000 and land up to $450,000 : Eligibility Check
Property Investors
Land Value Search
Valuer General Search – Click here
Land Tax Calculator – Click here
Foreign Buyers
Service NSW Information for Foreign Buyers and Land Owners – Click here
Surcharge purchaser duty : payable by foreign persons in addition to Transfer Duty.
Foreign Surcharge Land Tax assist tool – surcharge is payable by foreign persons who own residential land in NSW.
Residential Fees for a Foreign Person – Click here
