A$860,000 Stamp Duty & Mortgage Calculator in New South Wales (Sydney) (2026)
Purchasing a A$860,000 property in New South Wales (Sydney), Australia incurs A$36,120 in New South Wales (NSW) Transfer Stamp Duty (4.20%) plus A$2,400 in legal/registration fees. With a 20% deposit (A$172,000) and a 25-year home loan at 6.15%, your monthly repayment is A$4,496/month.
Monthly Repayment (25Y)
A$4,496/mo
Loan: A$688,000 @ 6.15%
Stamp Duty / BSD / DLD
A$36,120
4.20% Effective Duty
20% Deposit
A$172,000
+ Legal: A$2,400
Total Upfront Cash
A$210,520
Deposit + Stamp Duty + Legal
Itemized Stamp Duty & Mortgage Breakdown (New South Wales (Sydney))
| Property Purchase Price | A$860,000 |
| New South Wales (NSW) Transfer Stamp Duty | A$36,120 |
| Conveyancing, Legal & Title Registration | A$2,400 |
| Total Upfront Cash Required (20% Deposit + Duty) | A$210,520 |
| Monthly Principal & Interest (25Y @ 6.15%) | A$4,496 / month |
| Total Interest Payable Over Loan Term | A$660,827 |
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