New South Wales
Mortgage broker for New South Wales home buyers and investorsBuying in NSW? Get the numbers right.
Magnus Finance works with home buyers and property investors in New South Wales and right across Australia. We map your borrowing position across real lender calculators, then structure each loan so your next move stays possible.
Book a strategy callThe information on this page is general in nature and doesn't consider your personal circumstances. Government rules were current as at November 2026 and change often. Confirm the details with the Revenue NSW before you rely on them, and consider whether this information is right for your situation.
New South Wales rules that affect your loan.
Stamp duty in NSW
In New South Wales it's called transfer duty (stamp duty). It's usually your biggest upfront cost after the deposit, and lenders want to see you can cover it. Use the Revenue NSW calculator for your exact figure.
First home buyers in NSW
- Under the First Home Buyers Assistance Scheme, first home buyers pay no transfer duty on a new or existing home up to $800,000, with a concession up to $1 million.
- For vacant land, there's no duty up to $350,000 and a concession up to $450,000.
- New South Wales also offers a First Home Owner Grant on new homes. Check the current amount and price caps with Revenue NSW.
- The federal 5% Deposit Scheme lets eligible first home buyers purchase with a 5% deposit and no lenders mortgage insurance. Price caps vary by location, so check the Housing Australia eligibility tool.
Property investors in NSW
- The general land tax threshold in New South Wales is $1,075,000.
- The tax-free threshold doesn't apply to land held in special or discretionary trusts, so a family trust pays land tax from the first dollar. Get the structure right before you buy.
- Foreign buyers pay surcharge purchaser duty, and a 5% surcharge land tax with no tax-free threshold.
How Magnus Finance helps
- We run your borrowing capacity across lenders. It can vary a lot from bank to bank for the same person.
- We check how lenders treat the property's postcode and type before you commit.
- We structure each loan, in your name, a trust or a company, so it doesn't block your next purchase. Confirm entity structures with your accountant.
- Everything is done by phone, email and a secure online portal, wherever you are in Australia.
NSW questions.
Does a family trust pay land tax in NSW?
Land held in a special or discretionary trust doesn't get the general tax-free threshold in NSW, so land tax can apply from the first dollar. That's a real cost to weigh against the borrowing capacity benefits of buying in a trust. Confirm with your accountant.
Do I need a mortgage broker based in New South Wales?
No. Magnus Finance is based in Brisbane and works with clients in New South Wales and right across Australia by phone, email and a secure online portal. Lender policy, not broker location, decides what you can borrow.
What does a broker do differently for NSW property?
We check how each lender treats the property's location and type, run your numbers through real lender calculators, and factor in state costs like duty and land tax before recommending a structure.