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• The most important thing to understand here is the two-stage process.
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• They are required to ensure that information about their financial advisers is true and correct.
• Always check the account details, conditions and rates with the provider directly before acting.

Without the off-the-plan concession, she would pay duty on $1,200,000. This means the dutiable value of Li-Na’s apartment after applying the off-the-plan concession is $730,000 ($1,200,000 – $470,000). Without the off-the-plan concession, David would pay land transfer duty on $740,000 at the first home buyer concession rates. This means the dutiable value of David’s unit after applying the off-the-plan concession is $407,000 ($740,000 – $333,000).

An increase to the base rate is generally a better outcome, as you’ll earn more interest regardless of how you use the account. Always check the account details, conditions and rates with the provider directly before acting. Written by Sean Callery and fact checked by Jared Mullane. We provide banking for teachers and nurses – built to support you from your first pay check through to your first home and beyond. If you do not satisfy the conditions to receive the additional variable rate, the standard variable rate applies. You can check and change your nominated Savings Maximiser account via online banking or the ING mobile app.