Sources and check dates

The library publishes nothing about a state rule, a grant, a threshold or a date without naming where it came from. This page is the register: the agencies behind each state's pages, the federal sources, and the vintages the computed tables carry.

Method

Facts are gathered from the official domains only: each state's revenue office, consumer regulator, licence register and legislation site, and Housing Australia and the Australian Taxation Office for the federal schemes and tax rates. Each fact records the page it came from and the date it was checked. Where a page has not yet been opened directly, the fact is marked † on the state hub and held as unconfirmed until it has been. Secondary sources (law firms, media, industry bodies) are not used as evidence for a rule.

State and territory agencies

New South Wales checked 13 September 2026

• Revenue office: Revenue NSW — transfer duty, the First Home Buyers Assistance Scheme and the First Home Owner (New Homes) Grant.
• Consumer regulator: NSW Fair Trading — agents, price guides, underquoting, auctions, conveyancer licensing and complaints.
• Licence register: Verify NSW — agent and conveyancer licence checks, with conditions and disciplinary history.
• Legislation: NSW legislation — Conveyancing Act 1919; Conveyancing (Sale of Land) Regulation 2022; Property and Stock Agents Act 2002; Conveyancers Licensing Act 2003.
• Land registry: Office of the Registrar General — titles, eConveyancing and lodgment with NSW Land Registry Services.
• Federal schemes: Housing Australia — the 5% Deposit Scheme and Help to Buy.

Victoria checked 13 September 2026

• Revenue office: State Revenue Office Victoria — land transfer duty, the first-home exemption and concession, the off-the-plan and pensioner concessions and the First Home Owner Grant.
• Consumer regulator: Consumer Affairs Victoria — estate agents and conveyancers, the Statement of Information, underquoting, the cooling-off period, the Section 32 and complaints.
• Licence register: Consumer Affairs Victoria public registers — estate agent and conveyancer licence checks (the Business Licensing Authority issues the licences).
• Legislation: Victorian legislation — Sale of Land Act 1962 (cooling-off, Section 32); Conveyancers Act 2006; Estate Agents Act 1980.
• Land registry: Land Use Victoria — titles and electronic lodgement.
• Federal schemes: Housing Australia — the 5% Deposit Scheme and Help to Buy.

Queensland checked 13 September 2026

• Revenue office: Queensland Revenue Office — transfer duty, the home and first-home concessions and the First Home Owner Grant.
• Consumer regulator: Office of Fair Trading Queensland — agents, auctions, price representations, cooling-off and complaints.
• Licence register: Fair Trading Licensing Register — agent, salesperson and corporation licence checks.
• Legislation: Queensland legislation — Property Occupations Act 2014; Property Law Act 2023; Land Title Act 1994.
• Land registry: Titles and eConveyancing (Business Queensland) — titles, the eConveyancing mandate and the approved operators.
• Shared equity: Queensland Treasury, Boost to Buy — the Boost to Buy shared equity scheme.
• Federal schemes: Housing Australia — the 5% Deposit Scheme and Help to Buy.

South Australia checked 13 September 2026

• Revenue office: RevenueSA — stamp duty, first-home relief and the First Home Owner Grant.
• Consumer regulator: Consumer and Business Services SA — agents, price representations, auctions and complaints.
• Licence register: CBS Find a licence holder — land agent, sales representative and conveyancer licence checks.
• Consumer guidance: SA.GOV.AU, buying a home — cooling-off, the Form 1, offers, auctions and settlement.
• Legislation: South Australian legislation — Land and Business (Sale and Conveyancing) Act 1994.
• Land registry: Department for Housing and Urban Development, land titling — the Lands Titles Office and electronic conveyancing.
• State lender: HomeStart Finance — the Shared Equity Option, the Graduate Loan and the Low Deposit Loan.
• Federal schemes: Housing Australia — the 5% Deposit Scheme and Help to Buy.

Western Australia checked 13 September 2026

• Revenue office: RevenueWA — transfer duty, the first home owner rate, the off-the-plan concession and the grant.
• Consumer regulator: Consumer Protection WA — agents, the offer and acceptance contract, auctions, material-fact disclosure and complaints.
• Licence register: Consumer Protection licence and registration search — real estate agent, sales representative and settlement agent licence checks.
• Legislation: Western Australian legislation — Duties Act 2008; First Home Owner Grant Act 2000; Settlement Agents Act 1981; Auction Sales Act 1973; the agents' Code of Conduct 2016.
• Land registry: Landgate — titles, strata disclosure and electronic conveyancing.
• State lender: Keystart — low-deposit, shared ownership and shared equity home loans backed by the WA Government.
• Federal schemes: Housing Australia — the 5% Deposit Scheme and Help to Buy.

Tasmania checked 13 September 2026

• Revenue office: State Revenue Office Tasmania — property transfer duty, first-home duty relief and the First Home Owner Grant.
• Consumer regulator: Consumer, Building and Occupational Services Tasmania — agents, auctions, conveyancer licensing and complaints.
• Licence register: Property Agents Board of Tasmania — the register of property agents, auctioneers and property managers.
• Legislation: Tasmanian legislation — Property Agents and Land Transactions Act 2016; Conveyancing Act 2004.
• Land registry: Land Tasmania, Land Titles Office — titles, the conveyancing process and electronic conveyancing.
• Housing: Homes Tasmania (HomeShare) — the HomeShare shared-equity program.
• Federal schemes: Housing Australia — the 5% Deposit Scheme and Help to Buy.

Australian Capital Territory checked 13 September 2026

• Revenue office: ACT Revenue Office — conveyance duty, the Home Buyer Concession Scheme and the other duty exemptions.
• Consumer regulator: Access Canberra — agent licensing, fair trading and complaints.
• Licence register: Access Canberra public registers — the two registers of licensed real estate agents.
• Legislation: ACT Legislation Register — Civil Law (Sale of Residential Property) Act 2003; Agents Act 2003.
• Land registry: ACT Land Titles (ACTLIS) — titles, crown lease registration and the buyer verification declaration.
• Planning: Environment, Planning and Sustainable Development Directorate — crown leases, energy efficiency ratings and unit titles.
• Land sales: Suburban Land Agency — government land releases and the Affordable Home Purchase Scheme.
• Federal schemes: Housing Australia — the 5% Deposit Scheme and Help to Buy.

Northern Territory checked 13 September 2026

• Revenue office: Territory Revenue Office — stamp duty, the house and land package exemption, the senior, pensioner and carer concession, and the HomeGrown Territory and FreshStart grants.
• Consumer regulator: NT Consumer Affairs — consumer rights, misleading price representations and general consumer complaints.
• Agent regulator: NT Agents Licensing Board — licensing of real estate, business and conveyancing agents, agent's representatives and auctioneers, and complaints against them.
• Licence register: Licensing NT Public Register — agent, agent's representative, conveyancing agent and auctioneer licence checks.
• Legislation: NT legislation (Auctioneers Act 1935) — auctions; the Stamp Duty Act 1978 and the Agents Licensing Act 1979 are on the same site.
• Land registry: Land Titles Office — the Land Title Register, title searches and electronic lodgement.
• Federal schemes: Housing Australia — the 5% Deposit Scheme and Help to Buy.

Federal sources

• Housing Australia — the 5% Deposit Scheme and Help to Buy. The current property price caps by location are on the price caps page; the state pages say where they matter.

Data vintages for the computed tables

The duty tables on the state pages and the lenders mortgage insurance chart are computed at build time and carry the vintage of the schedule they were built from:

• Transfer duty schedules: State/territory transfer-duty rate bands — NSW on the 2026–27 scale (the tiers from $387,000 and premium duty read on Revenue NSW 15 Sep 2026; the three tiers below reconstructed from the published base amount), VIC and SA schedules verified against the revenue office 15 Sep 2026, NT top rates per the Territory Revenue Office 15 Sep 2026, ACT first band from 1 Jul 2025 with the upper bands unverified; first-home-buyer concessions as published for 2026–27 (checked 6 Sep 2026)
• Lenders mortgage insurance premiums (indicative): Indicative LMI premium matrix (typical insurer schedules by LVR band and loan size) — undated, indicative only

First-home-buyer figures assume you meet the relevant eligibility conditions, which the tables here do not verify: you (and any co-buyer) are an individual who has not previously owned property in Australia, you are an Australian citizen or permanent resident, you intend to move in and live there for the required period, and you meet any state price, contract-date, residency or income tests that apply. Confirm eligibility with the relevant state revenue office before relying on these figures.

Review cadence

Duty bands, first-home thresholds, grant amounts and scheme caps are re-checked at each 1 July and after each state budget (May and June). The date on each page is the date its facts were last checked, not the date the page was written.