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I've written a significant amount of business for first home buyers through the NAB broker channel, but never through the NAB direct (branch) channel. In theory they should be the same but in reality they're not. I've found that NAB often quote the full stamp duty amount, but they've never...

...or if your conveyancer gives them the right documentation when they book settlement, the NAB will take the correct amount of stamp duty at settlement. Just like any other lender.