Buying or refinancing in Western Australia?
The schemes, stamp-duty thresholds and journey paths that apply to Western Australia buyers, current as of May 2026. Median dwelling value: $695,000 (+11.4% year-on-year).
Stamp duty steps from 1.9% to 5.15%. Foreign-buyer surcharge 7%.
Calculate stamp dutyNew homes only.
Read the FHB grant guidePerth is the strongest capital city market in 2026 with double-digit YoY growth on detached houses.
Western Australia home loansEvery Western Australia scheme that actually moves the maths.
Federal + state schemes that Western Australia first-home buyers and owner-occupiers can stack. Confirm eligibility against the relevant revenue office before signing a contract.
Where Western Australia borrowers are buying.
Sub-markets vary widely on price-to-income, rental yield and growth. Use the regions below as starting points; the journey paths below cover the structural decisions.
- Perth metro
- Mandurah
- Bunbury
- Geraldton
- Karratha
Perth is the strongest capital city market in 2026 with double-digit YoY growth on detached houses. Mining-sector employment and limited new supply continue to drive demand. Outer-ring values have been most active.
Sequenced for Western Australia borrowers.
The journey paths below are the most relevant starting points for a Western Australia buyer. Each is a sequenced article series with calculators and FAQs.
Eight stages from “maybe I’m ready” to keys in hand, with the schemes, numbers and costs explained without the broker pitch.
Start hereSix stages on land-and-build, off-the-plan and new-build paths, including the construction loan mechanics and the sunset-clause traps that catch most buyers.
Start hereSeven stages on investor borrowing, structure, tax, equity, SMSF traps, and assembling the team, written for the buyer who wants the trade-offs, not the pitch.
Start hereWARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.