Property purchase cost calculator

Transfer Tax Calculator

Calculate Transfer Tax and closing costs for property in New Zealand.

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Financing method

New Zealand has no stamp duty, transfer tax, or property purchase tax. Stamp duty was abolished in 1999. This makes NZ one of the simplest countries for property transactions from a tax perspective. GST (15%) does not apply to standard residential purchases.

Transfer Tax is a flat rate of 0.00% of the purchase price.

Beyond Transfer Tax, buyers typically pay the following fees when purchasing property in New Zealand. These are included in the calculator above.

Solicitor / Conveyancing Fee

Legal fees for handling the purchase, title searches, sale and purchase agreement review, and settlement. Typically NZ$1,500–NZ$2,500 + GST for a standard purchase. Trusts and LTCs cost more (NZ$2,000–NZ$3,500).

LINZ Title Registration

Land Information New Zealand (LINZ) fee for lodgement and registration of an instrument via Landonline (GST inclusive). NZ$122 per instrument from February 2025 fee schedule.

LIM Report (Land Information Memorandum)

Report from the local council covering consents, zoning, drainage, rates, and potential hazards. Highly recommended before purchasing. NZ$200–NZ$400 depending on council.

Building Inspection / Report

Independent building inspection covering structural integrity, weathertightness, and defects. Strongly recommended, especially for pre-2004 builds. Typically NZ$400–NZ$800.

Pre-Purchase Body Corporate Disclosure

Under the Unit Titles Act 2010, the body corporate must provide a pre-settlement disclosure statement to the buyer. Additional due diligence reports on body corporate minutes, financials, and long-term maintenance plan are recommended. Typically NZ$200–NZ$500.

LINZ Mortgage Registration

LINZ fee for lodgement and registration of the mortgage instrument via Landonline (GST inclusive). NZ$122 per instrument from February 2025 fee schedule.

Registered Valuation

Bank-instructed registered valuation required for mortgage approval. NZ$850–NZ$1,250. Some lenders waive this for deposits over 20% (using automated valuations instead).

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