A$820,000 Stamp Duty & Mortgage Calculator in New South Wales (Sydney) (2026)
Purchasing a A$820,000 property in New South Wales (Sydney), Australia incurs A$34,440 in New South Wales (NSW) Transfer Stamp Duty (4.20%) plus A$2,400 in legal/registration fees. With a 20% deposit (A$164,000) and a 25-year home loan at 6.15%, your monthly repayment is A$4,287/month.
Monthly Repayment (25Y)
A$4,287/mo
Loan: A$656,000 @ 6.15%
Stamp Duty / BSD / DLD
A$34,440
4.20% Effective Duty
20% Deposit
A$164,000
+ Legal: A$2,400
Total Upfront Cash
A$200,840
Deposit + Stamp Duty + Legal
Itemized Stamp Duty & Mortgage Breakdown (New South Wales (Sydney))
| Property Purchase Price | A$820,000 |
| New South Wales (NSW) Transfer Stamp Duty | A$34,440 |
| Conveyancing, Legal & Title Registration | A$2,400 |
| Total Upfront Cash Required (20% Deposit + Duty) | A$200,840 |
| Monthly Principal & Interest (25Y @ 6.15%) | A$4,287 / month |
| Total Interest Payable Over Loan Term | A$630,091 |
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