Stamp duty for first home buyers in Northern Territory

See the rates, exemptions, and how much you could save as a first home buyer.

First home buyer exemptions

New home

No general FHB stamp duty exemption in the NT. The large HomeGrown grant ($50K) offsets this.

Existing home

No general FHB stamp duty exemption in the NT.

Vacant land

No general FHB stamp duty exemption for vacant land in the NT.

Standard stamp duty rates

These are the standard rates before any first home buyer concessions.

Property value Rate
$0 – $525,000 6.00%
$525,001 – $3,000,000 $23,928.6 + 4.95%
$3,000,001 – $5,000,000 $146,453.6 + 5.75%
$5,000,001 – and above $261,453.6 + 5.95%

Example calculations

Standard stamp duty at common price points (before FHB concessions).

Property price Stamp duty
$400,000 $24,000
$500,000 $30,000
$600,000 $27,641
$700,000 $32,591
$800,000 $37,541
$900,000 $42,491

Calculate your exact stamp duty

Your details

Answer 5 quick questions and we'll show you everything you qualify for.

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You could save up to

$205,500

in grants and stamp duty savings

Get your free report

Personalised PDF with your grants, borrowing power, and savings — free, no sign-up.

Want the full action plan with step-by-step guidance? $29 one-time — see below.

Grants and schemes you qualify for

EligibleHelp to Buy (Shared Equity)
$150,000

Government buys 30% of your home ($150,000). You only need a 2% deposit ($10,000).

EligibleFirst Home Owner Discount (NT)
$10,000

A $10,000 grant for buying an established (existing) home in the NT as a first home buyer.

EligibleFirst Home Super Saver Scheme (FHSS)
$8,750

Save up to $8,750 in tax by putting money into your super before withdrawing it for a deposit.

EligibleFirst Home Guarantee (5% Deposit Scheme)
$6,750

Buy with 5% deposit. You avoid ~$6,750 in Lenders Mortgage Insurance.

Choose one: You can't use both the 5% Deposit Scheme and Help to Buy. Compare them in your personalised action plan to see which saves you more.
2 schemes you don't qualify for
Not eligibleFamily Home Guarantee (Single Parents)

Requires at least 1 dependent child.

Not eligibleHomeGrown Territory Grant (NT)

Only for new properties.

Stamp duty

Standard stamp duty$30,000
As a first home buyer, you pay$0
You save$30,000

No general FHB stamp duty exemption in the NT.

What you'll pay upfront

These are the costs on top of your deposit.

Stamp duty (after savings)$0
Lenders Mortgage Insurance (LMI)$0
Conveyancer / solicitor$2,000
Building & pest inspection$650
Loan & registration fees$650
Total upfront costs$3,300

Your personalised action plan

1. Start salary sacrificing to your super under FHSS

You could save up to $8,750 in tax by making voluntary contributions to your super. Contact your employer or super fund to set up salary sacrifice. You can contribute up to $15,000 per year (max $50,000 total).

2. Choose between 5% Deposit Scheme and Help to Buy

You're eligible for both, but can only use one. The 5% Deposit Scheme lets you keep 100% ownership. Help to Buy means smaller repayments but the government owns 30%. Compare the what-if scenarios on the next page.

3. Get pre-approval from 2-3 lenders

Based on your income, you could borrow up to approximately $510,000. Get pre-approval from multiple lenders to compare rates and find the best deal.

6 personalised steps for your situation

How much you could borrow

Rough estimate based on income. Your actual amount depends on the lender.

Estimated max loan

$510,000

Monthly repayment (est.)$3,224/mo
If rates rise 2%$3,921/mo

Want your complete action plan?

Get a personalised PDF with everything you need to take the next step.

FeatureFree SnapshotFull Plan ($29)
Grants you qualify for
Borrowing power estimate
Detailed upfront costs breakdown
Step-by-step action plan
"What if" scenarios
Scheme comparison (which to pick)
Printable PDF for your broker

One-time purchase. Instant download. Not financial advice.

See also: First home buyer grants in Northern Territory