The simplified guide to WA stamp duty

When you buy a home or investment property, you'll need to pay stamp duty, unless you qualify for an exemption or discount. Here's how much stamp duty you'll pay when you buy a property in Western Australia.

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If you're buying a property in Western Australia, you'll need to budget to pay stamp duty. Stamp duty is a tax charged by each individual state and territory on the sale of assets including property. It is usually a significant cost for most property buyers, ranging from a few thousand dollars to tens of thousands of dollars.

Some homebuyers may be exempt, however, such as first home buyers. Find out how much stamp duty you're likely to pay, and see if there are concessions or exemptions available to you.

Find out how much stamp duty you'll pay using the calculator below.

What are the stamp duty rates in Western Australia?

You can find the rates of duty in the table below.

General rates of duty paid in WA. For more information, visit the WA Department of Finance website.

Dutiable value rangeDuty payable
Up to $80,000$1.90 per $100 or part thereof
$80,001 to $100,000$1,520 plus $2.85 per $100 or part thereof above $80,000
$100,001 to $250,000$2,090 plus $3.80 per $100 or part thereof above $100,000
$250,001 to $500,000$7,790 plus $4.75 per $100 or part thereof above $250,000
$500,001 and above$19,665 plus $5.15 per $100 or part thereof above $500,000

Your stamp duty questions answered

  • Who pays stamp duty? In WA, the purchaser of the property or the transferee is liable to pay stamp duty when the sale or transfer takes place.
  • When is stamp duty paid? You must lodge your documents for assessment of stamp duty within two months of the liability arising when the property is purchased or transferred. After lodging the documents, stamp duty must be paid within one month.
  • Am I exempt from paying stamp duty? First home buyers are exempt from having to pay a duty on any home purchase up to $430,000. Concessions are available on homes valued between $430,001 and $530,000. The home purchased must be used as a primary place of residence. The concession is $19.19 per $100 or part thereof above $430,000. Vacant land purchases are exempt from stamp duty for values up to $300,000. Concessions are available for land valued between $300,001 and $400,000.
    The concessional rate for vacant land is $13.01 per $100 or part thereof above $300,000.
    Exemptions are available for the transfer of family farms. Transfers between spouses or de facto partners of two years are also exempt.
  • Can I apply for a refund if the sale transfer is cancelled? If your transaction is cancelled, you must apply for a refund of stamp duty within five years of the original assessment or 12 months after the day on which the agreement was cancelled.
  • What other fees are associated with stamp duty? In addition to stamp duty, you may also have to pay mortgage registration and title transfer fees. The WA title transfer fee operates on a sliding scale determined by the value of the property you're purchasing. The mortgage registration fee is $164.
  • What other costs are involved in buying a property? They can include a range of expenses including legal fees, building inspection costs and bank fees. Review our guide.
  • How do I pay stamp duty? Payment can be made to the WA Office of State Revenue via credit card, BPAY, post or in person using cash or cheque.

How much stamp duty do foreign property buyers pay?

Western Australia currently has the most generous incentives in the country available to non-citizens who purchase a property.

The foreign buyer stamp duty for off-the-plan purchases. However, WA offers a 75 per cent rebate to foreign purchasers known as the Off-the-Plan Duty Rebate Scheme, capped at $50,000.

The rebate is available to owner-occupiers and investors who enter into a pre-construction contract between 23 October 2019 and 23 October 2021 (inclusive), to purchase a new residential unit or apartment or
a contract signed between 4 June 2020 to 31 December 2020. Contracts signed after 31 December 2020 are no longer eligible for this discount.

The rebate applies to the transfer duty and foreign buyers duty surcharge (if applicable) paid on the agreement to purchase the unit or apartment.

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Name Product Interest Rate (p.a.) Comp. Rate^ Application Fee Ongoing Fees Max LVR Monthly Payment
UBank UHomeLoan Variable Rate
2.34%
2.34%
$0
$0 p.a.
80%
$581.39
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
St.George Basic Home Loan
2.54%
2.56%
$0
$0 p.a.
80%
$596.91
Up to $4,000 refinance cashback. With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get up $4,000 cashback and borrow up to 80% of the property's value (terms, conditions & exclusions apply).
Westpac Flexi First Option Home Loan
2.29%
2.72%
$0
$8 monthly ($96 p.a.)
95%
$577.55
Up to $3,000 refinance cashback.
A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.
Macquarie Bank Basic Home Loan
2.49%
2.49%
$0
$0 p.a.
60%
$593.01
A competitive variable rate home loan for owner-occupiers. Requires a 40% deposit.
UBank UHomeLoan Fixed
1.75%
2.22%
$0
$0 p.a.
80%
$537
This very low fixed rate is only available until 26 February 2021. Other conditions apply. A competitive fixed rate loan with no ongoing fees. Requires a 20% deposit
HSBC Fixed Rate Home Loan
1.88%
2.98%
$0
$0 p.a.
80%
$546.6
Lock in a competitive fixed rate for 2 years and buy your home with a 20% deposit.
Suncorp Back to Basics Home Loan
2.54%
2.55%
$0
$0 p.a.
80%
$596.91
A competitive variable interest rate loan with low fees. The establishment fee is waived if you borrow $150,000 or more.
Athena Variable Home  Loan
2.19%
2.19%
$0
$0 p.a.
60%
$569.91
Owner occupiers with 40% deposits or equity can get this competitive variable rate loan. No upfront or ongoing fees.
Well Home Loans Balanced Fixed Home Loan
1.94%
2.18%
$250
$0 p.a.
90%
$551.07
Owner occupiers can get a sharp fixed rate for the first year, plus an offset account. Available with a 10% deposit.
Suncorp Home Package Plus Fixed
1.89%
2.94%
$0
$0 p.a.
80%
$547.35
Lock in a low fixed rate loan for two years and get the annual package fee waived in the first year. Available for borrowers with 20% deposits.
St.George Fixed Rate Advantage Package
2.09%
3.46%
$0
$395 p.a.
95%
$562.33
Lock in a low fixed rate for the first two years. Refinancers borrowing $250,000 or more can get cashbacks between $2,000 and $4,000 depending on their loan to value ratio (Other terms, conditions and exclusions apply
Westpac Fixed Option Home Loan Premier Advantage Package
2.09%
3.5%
$0
$395 p.a.
95%
$562.33
Up to $3,000 refinance cashback.
Competitive fixed rate home loan. Eligible borrowers refinancing $250,000 or more can get up to $3,000 cashback. Other conditions apply.
homeloans.com.au Low Rate Home Loan with Offset
2.14%
2.16%
$0
$0 p.a.
60%
$566.11
A competitive rate with no application or ongoing fee. This loan is not available for construction.
HSBC Home Value Loan
2.59%
2.6%
$0
$0 p.a.
80%
$600.83
Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online.
Virgin Money Reward Me Fixed Rate Home Loan
2.04%
2.79%
$300
$10 monthly ($120 p.a.)
80%
$558.56
$3,000 refinance cashback.
Buy your home and lock in a low rate for the first two years. Get a $3,000 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 26 February 2021 and settle by 28 May 2021.
homeloans.com.au Low Rate Home Loan with Offset
2.24%
2.26%
$0
$0 p.a.
90%
$573.72
This loan offers a competitive variable rate and a 100% offset account to help save you on interest repayments. This loan is not available for construction.
Macquarie Bank Offset Home Loan Package
2.49%
2.76%
$0
$0 p.a.
60%
$593.01
A sharp variable rate with low fees for borrowers with 40% deposits or refinancers with equity in their properties.
St.George Basic Home Loan
2.59%
2.61%
$0
$0 p.a.
90%
$600.83
Up to $4,000 refinance cashback.
With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get up $4,000 cashback and borrow up to 90% of the property's value. (Terms, conditions & exclusions apply).
Macquarie Bank Basic Fixed Home Loan
2.19%
2.53%
$0
$0 p.a.
80%
$569.91
Borrow up to $750,000 with this basic 3 years fixed rate home loan.
Athena Variable Home  Loan
2.24%
2.21%
$0
$0 p.a.
70%
$573.72
A low variable rate for owner occupiers with 30% deposits. No upfront or ongoing fees.
UBank UHomeLoan Fixed
1.99%
2.33%
$0
$0 p.a.
80%
$554.81
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.
Macquarie Bank Basic Fixed Home Loan
2.09%
2.43%
$0
$0 p.a.
70%
$562.33
Get a low interest rate and a mortgage with flexible, basic features. No application or ongoing fees. Requires a 30% deposit.
Bank of Melbourne Advantage Package Fixed Home Loan
2.09%
3.46%
$0
$395 p.a.
95%
$562.33
Competitive fixed rate loan. Refinancers borrowing $250,000 or more can get cashbacks between $2,000 and $4,000 depending on their loan to value ratio (Other terms, conditions and exclusions apply
BankSA Basic Home Loan
2.54%
2.56%
$0
$0 p.a.
80%
$596.91
Up to $4,000 refinance cashback
A competitive variable rate loan from BankSA. Refinancers borrowing $200,000 or more can get a $4,000 cashback (Other terms, conditions and exclusions apply).
homeloans.com.au Low Rate Home Loan with Offset
2.59%
2.61%
$0
$0 p.a.
90%
$600.83
Save on interest with a free 100% offset account and buy your property with just a 10% deposit. This loan is not available for construction.
Bank of Melbourne Basic Home Loan
2.59%
2.61%
$0
$0 p.a.
80%
$600.83
Competitive variable rate home loan. Refinancers borrowing $250,000 or more can get cashbacks between $2,000 and $4,000 depending on their loan to value ratio (Other terms, conditions and exclusions apply
CUA Achieve Variable Home Loan
2.55%
2.6%
$600
$0 p.a.
95%
$597.7
Home buyers can get a competitive, low-fee variable rate plus a 100% offset account. Low deposit option available. Eligible new home buyers with low deposits can apply for the First Home Loan Deposit Scheme with this lender and avoid LMI costs.Eligible refinancers can get a $2,000 pre-paid credit card when they switch to CUA.
BankSA Advantage Package Fixed Home Loan
2.09%
3.46%
$0
$395 p.a.
80%
$562.33
Competitive fixed rate loan. Refinancers borrowing $200,000 or more can get cashbacks between $2,000 and $4,000 depending on their loan to value ratio (Other terms, conditions and exclusions apply
Greater Bank Great Rate Discount Variable with Family Pledge Home Loan
2.59%
2.6%
$0
$0 p.a.
110%
$600.83
Pay no deposit or LMI and get a discounted rate with this family pledge loan. Requires a family member to act as guarantor. NSW, QLD and ACT only.
Well Home Loans Balanced Variable
2.17%
2.2%
$250
$0 p.a.
80%
$568.39
A very low interest rate for home buyers with 20% deposits saved. Add an offset account for a small fee. This special discount rate is available for new borrowers who apply and get approved by 30 November 2020. Not available for construction purposes.
Athena Variable Home  Loan
2.29%
2.23%
$0
$0 p.a.
80%
$577.55
A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.
Well Home Loans Balanced Fixed Home Loan
1.99%
2.17%
$250
$0 p.a.
90%
$554.81
A low fixed mortgage with an optional 100% offset account. Not available for construction purposes.
Virgin Money Reward Me Variable Home Loan
2.59%
2.76%
$300
$10 monthly ($120 p.a.)
60%
$600.83
$3,000 refinance cashback.
A variable rate loan for owner occupiers with a 40% deposit (or equity) borrowing under $500,000. Get a $3,000 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 26 February 2021 and settle by 28 May 2021.
AMP Bank Essential Home Loan
3.34%
3.37%
$0
$0 p.a.
90%
$661.31
For a limited time, pay no application or settlement fees. You can also take advantage of a free redraw facility.
Well Home Loans Balanced Variable
2.52%
2.55%
$250
$0 p.a.
90%
$595.35
A very low variable interest rate for borrowers with a 10% deposit. Add a 100% offset account for $10 a month. Not available for construction purposes.
HSBC Home Value Loan
2.64%
2.65%
$0
$0 p.a.
90%
$604.76
A competitive value home loan with no ongoing fee.
Macquarie Bank Basic Home Loan
2.64%
2.64%
$0
$0 p.a.
80%
$604.76
Pay no application and ongoing fees and take advantage of split and redraw options.
UBank UHomeLoan Fixed
2.14%
2.71%
$0
$0 p.a.
80%
$566.11
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
Athena Variable Home  Loan
2.84%
2.46%
$0
$0 p.a.
80%
$620.63
Owner occupiers can refinance to one of the most competitive interest-only rates in the market. No application fee and no ongoing fees.
UBank UHomeLoan Variable Rate
2.74%
2.74%
$0
$0 p.a.
80%
$612.67
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
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