Disclaimer

1. General Nature of Information

The information and calculations provided by Proppers are of a general nature only and are intended for informational and educational purposes. Nothing on this website constitutes financial, legal, taxation, or real estate advice.

Proppers is not a licensed financial advisor, mortgage broker, conveyancer, or legal practitioner. The results generated by our calculator should not be relied upon as a substitute for professional advice tailored to your individual circumstances.

2. Estimates Only

All figures produced by Proppers — including but not limited to stamp duty, Lenders Mortgage Insurance (LMI), loan repayments, conveyancing costs, and government fees — are estimates only. Actual costs may differ materially from the estimates provided depending on your specific circumstances, lender policies, legal fees, and applicable government charges at the time of settlement.

We make no representation or warranty, express or implied, as to the accuracy, completeness, or fitness for purpose of any calculation or result generated by our service.

3. Rates and Policy Changes

Property-related costs in Australia are subject to frequent change. Stamp duty thresholds, first home buyer concessions, foreign investor surcharges, land tax rates, and government grant amounts are set by state and territory governments and may be amended at any time without notice.

While Proppers makes reasonable efforts to keep our calculator current, we cannot guarantee that all figures reflect the most up-to-date rates and policies at the time of your calculation. You should verify all figures with the relevant state revenue office or a qualified professional before making any financial commitment.

4. State and Territory Variations

Property purchase costs vary significantly between Australian states and territories. Eligibility criteria for concessions, exemptions, and government grants — including the First Home Owner Grant, stamp duty exemptions, and foreign purchaser surcharges — differ by jurisdiction and are subject to change.

Proppers uses publicly available information to model these variations. However, individual eligibility may depend on factors not captured by our calculator, and we recommend confirming your entitlements directly with the relevant authority or a licensed professional.

5. No Professional Relationship

Your use of Proppers does not create any professional, advisory, or fiduciary relationship between you and Proppers. We are not acting as your agent, advisor, broker, or representative in any capacity.

Any reliance you place on the results generated by our calculator is strictly at your own risk.

6. Seek Professional Advice

Before making any property purchase decision, we strongly recommend that you seek independent advice from qualified professionals, including:

• A licensed mortgage broker or lender, for loan and LMI-related costs
• A conveyancer or solicitor, for legal costs, stamp duty, and settlement figures
• A financial advisor, for investment structuring and tax implications
• The relevant state revenue office, for confirmation of applicable duties and grants

7. Limitation of Liability

To the maximum extent permitted by applicable law, Proppers and its affiliates, directors, employees, and agents will not be liable for any loss or damage — including direct, indirect, incidental, consequential, or special loss — arising out of or in connection with your use of, or reliance on, the results produced by our calculator.

This limitation applies regardless of whether such loss was foreseeable or whether Proppers had been advised of the possibility of such loss. Nothing in this disclaimer limits any rights you may have under the Australian Consumer Law or other applicable legislation that cannot be excluded.

8. Third Party Links

Proppers may contain links to third party websites for reference or convenience. These links do not constitute an endorsement or recommendation of any third party website or the information contained therein. Proppers is not responsible for the accuracy, content, or privacy practices of any third party website.

9. Changes to This Disclaimer

We may update this Disclaimer from time to time to reflect changes in our service, applicable law, or best practice. The most current version will always be available on this page. Your continued use of Proppers