GNT Finance and Mortgage is a private mortgage broker. This app is not affiliated with, endorsed by, or acting on behalf of any government entity, and it is not a government service. Government information shown here — figures, rules and legal requirements alike — is reproduced from the official sources listed below; always confirm the current position with the relevant agency before you act.
Our calculators and guides reproduce figures set by Australian federal, state and territory agencies — duty scales, scheme price caps, tax rates and prudential rules. Every one of them is listed below with the agency that publishes it, so you can check the current rule yourself. Government figures change, sometimes mid-year and sometimes without notice, and the version that applies to you is the one in force on the date of your contract or assessment.
Where a figure on this site disagrees with the agency, the agency is right. Tell us and we will correct it.
Stamp duty and land tax, by state and territory
- State Revenue Office VictoriaVIC land transfer (stamp) duty scales, first home buyer duty concessions, land tax and the vacant residential land tax.
https://www.sro.vic.gov.au/land-transfer-duty - Revenue NSWNSW transfer duty scales and First Home Buyers Assistance Scheme thresholds.
https://www.revenue.nsw.gov.au/taxes-duties-levies-royalties/transfer-duty - Queensland Revenue OfficeQLD transfer duty scales, first home concession and the home concession.
https://qro.qld.gov.au/duties/transfer-duty/ - RevenueWAWA transfer duty scales and the first home owner rate of duty.
https://www.wa.gov.au/service/financial-management/taxation-and-duty/calculate-your-transfer-duty - RevenueSASA stamp duty on land and first home buyer relief.
https://www.revenuesa.sa.gov.au/stampduty - State Revenue Office TasmaniaTAS property transfer duty and first home buyer concessions.
https://www.sro.tas.gov.au/property-transfer-duties - ACT Revenue OfficeACT conveyance duty and the Home Buyer Concession Scheme.
https://www.revenue.act.gov.au/ - Northern Territory Department of Treasury and FinanceNT stamp duty and territory home owner grants.
https://treasury.nt.gov.au/dtf/territory-revenue-office
Property law, contracts and land titles
- Consumer Affairs VictoriaVictorian cooling-off periods, the Section 32 vendor statement, contracts of sale, underquoting rules, estate agent obligations and owners corporations.
https://www.consumer.vic.gov.au/ - Land Use VictoriaVictorian land titles, caveats, transfers and the conveyancing and settlement process.
https://www.land.vic.gov.au/ - Victorian LegislationThe Sale of Land Act 1962, the Owners Corporations Act 2006 and other Victorian property statutes our explainers summarise.
https://www.legislation.vic.gov.au/ - NSW Fair TradingThe NSW equivalents — cooling-off, contracts for sale and agent obligations.
https://www.fairtrading.nsw.gov.au/
Visas, residency and study loans
- Department of Home AffairsVisa subclasses, work and residency conditions, and the permanent-residency pathways our guides and articles describe.
https://immi.homeaffairs.gov.au/ - Study AssistHELP and HECS debts, which lenders count as a commitment when assessing borrowing power.
https://www.studyassist.gov.au/ - Services AustraliaMedicare, Centrelink payments and family benefits where they appear as income or expenses in an assessment.
https://www.servicesaustralia.gov.au/
Commonwealth schemes, tax and lending rules
- Housing AustraliaHome Guarantee Scheme eligibility and the property price caps used by the First Home Guarantee checker.
https://www.housingaustralia.gov.au/ - Australian Prudential Regulation Authority (APRA)The serviceability assessment buffer applied to borrowing power estimates.
https://www.apra.gov.au/ - Australian Taxation Office (ATO)Income tax rates, Medicare levy, capital gains tax, negative gearing and the First Home Super Saver Scheme.
https://www.ato.gov.au/ - Reserve Bank of Australia (RBA)The cash rate target referenced in rate commentary and stress tests.
https://www.rba.gov.au/ - Foreign Investment Review Board (FIRB)Foreign investment approval, application fees and the ban on foreign persons buying established dwellings.
https://foreigninvestment.gov.au/
Consumer credit rights and complaints
- Australian Securities and Investments Commission (ASIC)Credit licensing, responsible lending obligations and the Best Interests Duty under the National Consumer Credit Protection Act 2009 (Cth).
https://asic.gov.au/ - ASIC MoneysmartFinancial hardship rights and independent consumer guidance.
https://moneysmart.gov.au/ - Federal Register of LegislationThe National Consumer Credit Protection Act 2009 (Cth) itself, including the Best Interests Duty and hardship provisions.
https://www.legislation.gov.au/ - Australian Financial Complaints Authority (AFCA)External dispute resolution — AFCA is the independent ombudsman, not a government agency.
https://www.afca.org.au/
What this page is not
We are a mortgage broker, not a government agency, and nothing here is an official government publication. We hold no authority to grant, refuse or administer any government scheme, concession or grant. Eligibility for a scheme is decided by the agency that runs it and by the participating lender, never by us.
Our calculators return estimates on stated assumptions, not offers, quotes or approvals. For advice on your own situation, talk to us, and for the current rules always check the agency directly using the links above.