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Tools and resources

Our links to tools and resources should provide you with some additional assistance however If you do not find what you are looking for please get in touch.
Victorian first home buyers guide
Get step-by-step information on how to buy your first home in Victoria and where the government can help.
Victorian Land Transfer (Stamp) Duty
Use this calculator to work out your land transfer (stamp) duty liability when you buy a property.
Duty is charged based on the:
  • Contract date or in any other case, the transfer date.
  • Dutiable value of your property.
The dutiable value of a property is generally the purchase price or market value of the property, whichever is greater.
Australian Home Guarantee Scheme
The Home Guarantee Scheme (HGS) is an Australian Government initiative to support eligible home buyers to purchase a home sooner. The Scheme is administered by the National Housing Finance and Investment Corporation (NHFIC) on behalf of the Australian Government.
equifax - credit reports
Your Equifax Credit Report will include:
  • Credit rating
  • Key factors impacting your credit rating
  • Credit products you currently hold
  • Past applications you have made for credit
  • Repayment history (subject to your lender providing this information to Equifax)
  • Overdue debts that you have been listed as a default
  • You can also check if information in your Equifax Credit Report is accurate, and if not, Equifax can investigate any inaccuracies for free
Victorian Homebuyer Fund
The Victorian Homebuyer Fund is a shared equity scheme, making it easier for Victorians to enter home ownership.
If you have a 5% deposit, the Victorian Government could contribute up to 25% of the purchase price in exchange for an equivalent share in the property. This will save you money by reducing your mortgage and removing the need for Lenders Mortgage Insurance.
Aboriginal and Torres Strait Islander participants only require a 3.5% deposit and are eligible for a 35% shared equity contribution.
Corelogic - property report
The Property Report is designed to provide a comprehensive view of an individual residence within Australia.
It includes key data for the property such as property sales history, listings history, rental history and development permit application activity where available.
Victorian First Home Owners Grants & Concessions
You may be eligible for the First Home Owner Grant or a range of exemptions, concessions and reductions.
Australian Defence Home Ownership Assistance Scheme
The Defence Home Ownership Assistance Scheme (DHOAS) assists current and former Australian Defence Force (ADF) members and their families to achieve home ownership. DHOAS is administered by the Department of Veterans' Affairs on behalf of the Department of Defence.
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contact details
PO Box 346 Portarlington 3223 AU
0476 373 529
enquiries@kistafinance.com.au
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