MOT stamp duty
Stamp duty on the Memorandum of Transfer follows progressive bands on property value (commonly discussed bands rise from 1% on lower portions up through higher rates on upper portions - always confirm current law for your transaction date). First-home reliefs can apply in defined cases.
Loan agreement stamp duty
The loan instrument is stamped separately. Budget it as part of total cash-in, not as a bank “extra” you discover at the lawyer’s office.
Legal fees
Solicitors’ fees on property and loan files often follow scale rates with floors. Some bank packages subsidise legal fees or offer cashback that partially offsets them - compare net cash, not marketing lines.
Use the calculator
Run a directional estimate with the stamp duty & legal fee calculator, then verify with your solicitor and Janice against the actual SPA and letter of offer.
As of Oct 2026: BNM OPR 3.00%; SBR 2.75%. Packaged home-loan rates commonly fall roughly in the 3.55%–4.50% p.a. band depending on bank and profile. Confirm live figures with Janice before deciding.
Related
FAQ
Do banks pay my legal fees?
Some packages subsidise part of them. Never assume - read the letter of offer.
Are calculator outputs official?
No. They are planning estimates. Current law and your lawyer’s invoice govern.