Home loans in New South Wales

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 New South Wales pays about $25,687. Duty rises faster than price, so the average rate increases as the property becomes more expensive. Revenue NSW publishes the current schedule.

Indicative relief: full exemption to $800,000 and a sliding concession to $1,000,000 under the First Home Buyers Assistance Scheme. 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.

$1,500,000 in Sydney and the defined regional centres, and $800,000 elsewhere. Both the purchase price and the lender's assessed value must be at or below the cap for the location.

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 New South Wales should handle the transaction itself.