A$860,000 Stamp Duty & Mortgage Calculator in Victoria (Melbourne) (2026)
Purchasing a A$860,000 property in Victoria (Melbourne), Australia incurs A$44,720 in Victoria (VIC) Transfer Stamp Duty (5.20%) 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$44,720
5.20% Effective Duty
20% Deposit
A$172,000
+ Legal: A$2,400
Total Upfront Cash
A$219,120
Deposit + Stamp Duty + Legal
Itemized Stamp Duty & Mortgage Breakdown (Victoria (Melbourne))
| Property Purchase Price | A$860,000 |
| Victoria (VIC) Transfer Stamp Duty | A$44,720 |
| Conveyancing, Legal & Title Registration | A$2,400 |
| Total Upfront Cash Required (20% Deposit + Duty) | A$219,120 |
| Monthly Principal & Interest (25Y @ 6.15%) | A$4,496 / month |
| Total Interest Payable Over Loan Term | A$660,827 |
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