Mortgage Brokers in New South Wales
New South Wales is Australia’s most populous state and the country’s biggest property market. With Sydney median house prices well above the national average, NSW borrowers tend to need larger deposits, run into LMI more often, and lean on offset accounts and fixed-rate splits to manage repayments.
Stamp duty in New South Wales
NSW Revenue applies a six-bracket transfer-duty scale up to 5.5% on the value above $1.168M. First Home Buyer Assistance gives full exemption up to $800,000 and a concession up to $1,000,000 (May 2026 settings).
First home buyer grants & concessions (NSW)
First Home Owner (New Homes) Grant of $10,000 for newly built homes up to $600,000 (or $750,000 with land if buying off the plan). First Home Buyer Choice (annual property tax) was wound back in 2023 — only applies to contracts signed during the eligibility window.