Planning
Calculate your mortgage
If you're looking at buying a home, you can use ASIC's MoneySmart mortgage calculator to find out how much you can afford to borrow and what your home loan repayments will be.
Use the ASIC MoneySmart mortgage calculator
Buying into strata
There are key differences between a strata property and a freestanding property. Before you buy, understand what to look for and the responsibilities that come with strata ownership.
Learn more about strata properties
Grants and assistance
First home buyers
- The First Home Super Saver Scheme (FHSS) allows you to make voluntary before-tax and after-tax contributions to your super. You can then apply under the FHSS to have your voluntary savings released to help you buy your first home.
- First home buyers may be eligible for exemptions or concessions on transfer (stamp) duty under the First Home Buyers Assistance Scheme.
- If you’re a first home buyer who is buying or building a new home, you may qualify for a $10,000 grant under the First Home Owner Grant (New Homes) scheme.
- Key workers buying their first home, single parents, older singles, and victim-survivors of domestic and family violence may be eligible for the Shared Equity Home Buyer Helper initiative to own property with the NSW Government.
- The First Home Buyer Choice (FHBC) initiative closed on 1 July 2023. If you opted in to FHBC, you will continue to pay property tax for as long as you own your property and will remain exempt from transfer duty on that purchase.
Single people
If you're a single parent or single person aged 50 or over, you may be eligible for the Shared Equity Home Buyer Helper initiative to own property with the NSW Government.
Research tools
Stamp duty
Stamp duty is a state tax on all property purchases. It's an upfront payment based on the property price, location and type of home loan you have.
Calculate the stamp duty on a property transaction in NSW
Land value
You can use the Valuer General's land value search to find out the land value and other details of a property, such as its dimensions, area and zoning. Councils use the Valuer General's land values in setting their rates.
Find out the land value of a property
Search for planning information
The NSW Planning Portal's Spatial Viewer is a digital mapping service that provides easy-to-use, information-rich maps for every address and lot in NSW.
Search for planning information about a property
Conveyancer
A conveyancer will help you meet all the legal requirements involved in buying a home. You can search online for conveyancers in a particular area and check that they hold a valid licence.
Check a property conveyancer licence
Strata search
Find out how many individual properties are in a particular strata complex and when the scheme was registered
Learn more about strata search
Other things to consider
Leaving property in your will
When you buy a property, you are increasing your assets. With a will in place you can ensure that when you die, your assets will be distributed according to your wishes. If you die without leaving a will, your assets will be distributed according to a formula set by legislation.
Get started making a will
Swimming pools
Swimming pools must be registered. If you're looking to buy a property with a pool, ensure you're aware of the laws that apply.
Register a pool on the NSW Swimming Pool Register