Our sources, graded by trust
Here is every external source we rely on to compute or state a fact — all 18 of them, graded by how authoritative each one is. The rule we hold ourselves to: every dollar figure on NestPath traces back to a primary government record (we have 12). Private data providers are used only to cross-check — never as the sole basis for a number we show a first home buyer.
The whole list is downloadable as open JSON under CC BY 4.0 — reuse it with attribution. Last reviewed 1 June 2026.
How we grade a source
- Tier 1 · Primary sourceThe authoritative record itself — the government department or official data file that sets or publishes the fact. Every dollar figure on NestPath traces back to a tier-1 source.
- Tier 2 · Regulator & official guidanceAustralian regulators and official consumer-guidance bodies. We use these for definitions, lending standards, and consumer-protection context — not for the underlying numbers.
- Tier 3 · Industry data (cross-check only)Reputable private property-data providers. We use these to cross-check our government-derived medians (they agree within ~2%) — never as the sole basis for a figure shown to a buyer.
Tier 1 Primary source
The ~2.2-million-record file of every property sale registered in NSW. We compute our suburb medians and price-growth figures directly from it via an open pipeline — the first-party basis for the affordability pages and the Deposit Treadmill research.
The official NSW transfer-duty (stamp duty) scale and the First Home Buyers Assistance Scheme (FHBAS) exemption and concession thresholds. Our stamp-duty calculator is built directly from this scale.
Victorian land-transfer duty rates and first-home-buyer duty concessions.
Queensland transfer duty rates, the first-home concession, and the first-home vacant-land concession.
Western Australian transfer duty and the First Home Owner Rate of duty.
South Australian stamp duty rates and the first-home-buyer stamp-duty relief.
ACT conveyance duty and the income-tested Home Buyer Concession Scheme (HBCS).
Tasmanian property transfer duty and first-home-buyer duty concessions.
Northern Territory stamp duty and home-owner assistance.
The Home Guarantee Scheme — the First Home Guarantee (5% deposit, no LMI), Regional First Home Buyer Guarantee, and Family Home Guarantee — including property price caps and eligibility.
The First Home Super Saver (FHSS) Scheme — contribution and release caps and eligibility rules.
Lending indicators, dwelling-price indexes and household income context.
Tier 2 Regulator & official guidance
The Government regulator’s consumer-finance guidance — definitions of LMI, offset accounts, comparison rates, and deposit basics that our explainers align to.
The official cash rate and monetary-policy context behind mortgage-rate movements.
Serviceability-buffer and lending-standard rules that shape how much buyers can borrow.
Tier 3 Industry data (cross-check only)
Cross-checking our government-derived suburb medians. CoreLogic’s figures agree with ours within ~2%.
A second independent cross-check on suburb-level price levels and growth.
A third cross-reference for suburb medians where coverage allows.
Why this page exists
Most consumer-finance sites tell you a number without telling you where it came from. We think you should be able to check our working. This is the same idea behind the open government-data pipeline behind our suburb affordability pages and our public first-home-buyer data API — we publish the inputs so you (or an AI assistant) can verify the output.
Related
- Suburb affordability — median, stamp duty, deposit
- Where AI assistants cite us
- Stamp duty calculator — built from the Revenue-office scales above