A$220,000 Stamp Duty & Mortgage Calculator in New South Wales (Sydney) (2026)
Purchasing a A$220,000 property in New South Wales (Sydney), Australia incurs A$9,240 in New South Wales (NSW) Transfer Stamp Duty (4.20%) plus A$2,400 in legal/registration fees. With a 20% deposit (A$44,000) and a 25-year home loan at 6.15%, your monthly repayment is A$1,150/month.
Monthly Repayment (25Y)
A$1,150/mo
Loan: A$176,000 @ 6.15%
Stamp Duty / BSD / DLD
A$9,240
4.20% Effective Duty
20% Deposit
A$44,000
+ Legal: A$2,400
Total Upfront Cash
A$55,640
Deposit + Stamp Duty + Legal
Itemized Stamp Duty & Mortgage Breakdown (New South Wales (Sydney))
| Property Purchase Price | A$220,000 |
| New South Wales (NSW) Transfer Stamp Duty | A$9,240 |
| Conveyancing, Legal & Title Registration | A$2,400 |
| Total Upfront Cash Required (20% Deposit + Duty) | A$55,640 |
| Monthly Principal & Interest (25Y @ 6.15%) | A$1,150 / month |
| Total Interest Payable Over Loan Term | A$169,049 |