Home loans in ACT

It depends on the price and on who is buying. On an indicative 2026-27 schedule, an owner-occupier buying an established home at $700,000 in ACT pays about $17,048. Duty rises faster than price, so the average rate increases as the property becomes more expensive. ACT Revenue Office publishes the current schedule.

From 1 July 2026 the Home Buyer Concession Scheme provides a full exemption with no income test or price cap. Age, prior ownership and residence conditions apply, so the figures shown assume eligibility. First home buyer figures on this page assume eligibility, and conditions including residence requirements apply. The revenue office should be checked before a purchase is relied upon.

$1,000,000 across all areas. Both the purchase price and the lender's assessed value must be at or below the cap. Caps are set by the Australian Government and change, so the scheme website should be checked before relying on a figure.

No. Australian lenders price home loans nationally, so the rate offered does not depend on the state. What differs by jurisdiction is the cost of the transaction: transfer duty, first home buyer concessions, grants and land tax. Those differences can amount to tens of thousands of dollars on the same purchase price.

Yes. Australian credit licensing is national, so an accredited broker can arrange finance for a property anywhere in Australia. Conveyancing is the part that is state based, and a conveyancer or solicitor admitted in ACT should handle the transaction itself.