The monthly payment is only part of the picture. Free mortgage calculator for Australia: monthly repayments, deposit and the cash you need on day one, including every buying cost and tax.
Costs on top of the price
A$39,508
Moving home · New South Wales ·
What do you want to work out?
Your monthly repayments, the deposit and the cash you need on day one.
Monthly repayment
Loan
A$712,500Deposit
A$237,500Total interest
A$808,895If rates rise 1%
A$4,693If rates rise 2%
A$5,178Cash needed on day one
A$277,008Example rate only, not a quote or mortgage advice. Rates change daily and depend on you; speak to a lender or a regulated mortgage broker. Your home may be repossessed if you do not keep up repayments on your mortgage.
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Questions
Moving home in New South Wales: stamp duty is about A$36,938. All buying costs together come to about A$39,508, or 4.2% of the price. Change the price or buyer type above to see your own figure.
Yes. Foreign buyers pay a surcharge on top of stamp duty: 9% in New South Wales and 8% in Victoria, plus a FIRB application fee.
As a citizen or permanent resident, foreign-buyer rules don't apply to you.
A conveyancer or solicitor in the state you're buying in. ID for a 100-point check, and a tax file number if you'll rent it out.
We last updated the figures on 16 Oct 2026 and checked them against official sources on 16 Oct 2026. We check every country every week, and show a warning if a check is overdue.
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