Stamp duty is a tax charged by the state government when you purchase a piece of real estate (although some concessions are available for owner-occupiers and first home buyers in Queensland). The cost of stamp duty is calculated on a sliding scale, so the more expensive the property, the more stamp duty you’ll need to pay. Generally, you can’t just include the cost of stamp duty in your home loan. But this doesn’t necessarily mean you have to save up enough cash to cover the cost of stamp duty. What you can do instead is pay for your stamp duty out of your cash deposit and then increase the total value of your loan to compensate. Mortgage brokers in Brisbane can help you determine whether this will be the best way for you to pay for your stamp duty.