WINNERS
* First-home buyers: Cuts to transfer duty on property and insurance in a $4.3 billion housing affordability package
* Patients: $2.8 billion over four years for new and upgraded hospitals, including $720 million for an upgrade to the Prince of Wales Hospital in Randwick
* School students: 32,000 more places, 1500 new classrooms and up to $100 for each student to cover sports registration and membership fees, non-means tested, from January
* Teachers and schools: 1000 extra state school teaching positions funded in the next year and $747 million over four years towards school maintenance backlog
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* Small businesses: Duty on commercial vehicle, professional indemnity and product and public liability insurance abolished from January, applicable to businesses with a turnover of less than $2 million, in a move that will cost the government $318 million over four years
* Farmers: Duty on crop and livestock insurance to be scrapped from January, costing the government $12 million over four years
* The terminally ill: $17.4 million for palliative care services
LOSERS
* Foreign investors: Surcharge doubled from four to eight per cent on stamp duty. Overseas buyers to also pay a two per cent surcharge on land tax
* Some local investors: People purchasing off-the-plan properties won't be able to access stamp duty concessions
