Tax and legal advice

Stamp duty: a basic guide

By Lachlan Walker

Lachlan Walker 70x60Stamp duty can significantly add to the cost of your property and how much you need to save for your deposit, but many people don't understand what it is, where the money goes and the exemptions they could be entitled to.

Blogger: Lachlan Walker, Place Advisory

For many people, the cost of buying a property is overwhelming in its own right. From the initial deposit to the home loan, the amount of money to be paid can seem endless.

But wait… there’s more! Many people forget about the infamous stamp duty levy. This tax, which varies state to state, is unfortunately an inescapable step in the process of buying property in Australia.

Here, we look at what this duty entails, where the money goes, how much you could be paying, and possible concessions and exemptions you could be entitled to.

What is stamp duty?

Historically, stamp duty literally referred to the cost of the physical stamp which was attached on documents regarding land transactions and other legal matters. Today, it means a tax which is imposed on numerous acquisitions most prominently including the selling of real estate.

Stamp duty can also be imposed on home loans, some insurance, and gifts. The transaction is charged with duty based on the greater of the market value of the property, or the price paid, including any GST. Therefore, the more expensive a property, the higher stamp duty rate that must be paid. In real estate terms, stamp duty is always paid by the purchaser, and must be paid within 30 days of the property settlement.

Where does the money go?

Like all taxes, stamp duty is reinvested back into the economy. This revenue is added into all State Government budgets which typically include sectors such as Health, Transport & Roads, Police, Justice and Emergency Services.

Use of tax payers’ money is always a touchy topic, and stamp duty is no different. Many have questioned its necessity and whether the money is being spent wisely. However, according to the Housing Industry Association, removing the stamp duty tax completely for all first home buyers would result in a loss of $712 million—money that the State Government would be forced to recover elsewhere.

For the time being, although it may seem like an unnecessary outlay, stamp duty is an unavoidable expense that must be incurred when purchasing a property.

How much will I have to pay?

As stamp duty is decided by the State Government rather than the Australian Federal Government, rates vary from state to state. Working out the amount you have to pay can become confusing due to the different approaches by each state. Beyond that, there are concessions for first-time buyers, and varying rates if you’re buying land.

For these reasons, Stamp Duty Calculators are useful and accurate tools to work out the amount of duty required.

What are stamp duty exemptions and concessions?

While exemptions for stamp duty are available under extreme circumstances, including the death of a property owner or joint tenant, there are other situations which do not require a stamp duty payment.

For instance, the transfers of ownership to a spouse, as well as a change of tenure, do not require duty payment. A number of concessions also apply which have the potential to dramatically reduce the amount of stamp duty payable. Buyers purchasing a residence that they intend to occupy as their home, or purchasing a property intended to be their first home, may be eligible for the Home and First Home concessions respectively. Similarly, the First Home Vacant Land concession may apply if you are acquiring vacant land where you intent to build your first home.

For new investors, or those buying interstate, stamp duty has the potential to slide under the radar, and can be a nasty surprise when the time to pay rolls around.

If you are thinking about entering the property market, do not forget to factor this duty into your budget. If you work out how much needs to be paid from the offset, you could save yourself a lot of stress in the long run.

If ever in doubt, talk to your trusted real estate adviser or pick up the phone to your mortgage broker. They will steer you in the right direction.

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About the Blogger

Lachlan Walker

Lachlan Walker

Lachlan Walker is head of the Place Advisory division at Place Projects, Brisbane’s premiere project marketing company. Lachlan is recognised as one of Queensland’s preeminent residential property market experts, specialising in South East Queensland residential property.

His role is to provide product specific advice to clients by gathering and applying internal and external market intelligence which is translated into meaningful market reports. He is widely published and is continually called upon to provide commentary on the residential market by various media and property journalists nationally.

Lachlan has extensive experience in property market research and has provided professional consultancy and advisory services to leading property clients including the likes of Leighton Properties, Lend Lease, Watpac, FKP, Brisbane Housing Company and Consolidated Properties.

Visit www.placeprojects.com.au for more information.

FROM THE WEB

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

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Media hype would have you believe that the Australian property market is in dire circumstances at the moment and that there is no money to be made.  But is that really the case?

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In this episode of the Smart Property Investment Show, regular guests Steve and Victor of Right Property Group join host Phil Tarrant to discuss the current state of the Australian property market as it is portrayed in the media, and analyse if things are as dire as we are being led to believe.

They will compare regional markets with capital cities as investment options, reveal some areas which they consider to be poor investments at the moment while also discussing some of the markets where they see future potential.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Port Hedland
Surfers Paradise

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Busting perceptions of a doom and gloom property market

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