New South Wales Stamp Duty $5M β€” Foreign Buyer | $707,012

A foreign buyer purchasing a $5M property in New South Wales pays $707,012 in stamp duty (including $450,000 foreign-buyer surcharge).

Stamp Duty Payable

$707,012

on a $5M property in NSW

Foreign Buyer Surcharge

$450,000

Buyer & Property Information

Stamp Duty Calculation

$257,012

+ $450,000 Foreign Buyer Additional Stamp Duty

Total Costs

$1,073,112

$22,712/Month

Stamp Duty Calculation

I Am a,, For the Purpose of

Buying a Property in State With a Price of $

NSW Base Stamp Duty Calculation:

Property Price: $5,000,000
Bracket 6 (>$1,240,000): $50,212 + ($3,760,000 Γ— 5.5%)
= $257,012

Foreign Buyer Additional Stamp Duty Calculation (NSW):

= Property Price Γ— Foreign Buyer Rate
= $5,000,000 Γ— 0.09
= $450,000

Total Duty = $707,012

Upfront Cost Breakdown

Total Upfront Costs

Stamp Duty$257,012
Foreign Buyer Surcharge$450,000
FIRB Application Fee$363,600
Conveyancing / Legal Fees (est.)$2,500
Total Upfront Costs$1,073,112

Conveyancing fee is an estimate only (typically $800–$2,500). Actual fees vary by conveyancer/solicitor and state.

Stamp Duty Comparison by State

Foreign Buyer Extra Costs

FIRB Application Fee$363,600
Based on Property Price: $5,000,000
Property Type: Used Property
Price Bracket: $5,000,000 - $6,000,000
FIRB Application Fee: $363,600

Loan Calculation

Deposit Ratio: %
Loan Term: Years
Interest Rate: %
Deposit Amount$1,000,000
Loan Amount$4,000,000

Mortgage Calculation (Principal & Interest)

Loan Amount$4,000,000
Loan Term30 Years
Interest Rate5.5%
Loan Type:
Monthly Repayment$22,712
= Monthly Payment = Loan Amount Γ— (Monthly Rate Γ— (1 + Monthly Rate)^Terms) Γ· ((1 + Monthly Rate)^Terms - 1)
= $4,000,000 Γ— (Monthly Rate: 0.004583 Γ— (1 + 0.004583)^Total Months: 360) Γ· ((1 + 0.004583)^360 - 1)
= $22,712
Total Repayment$8,176,162
Total Interest$4,176,162

Compare with Lenders

Rates as of 2026-07-15
LenderRateMonthlyDiff
Westpac5.99%$23,956+1,245
ING5.99%$23,956+1,245
Commonwealth Bank6.09%$24,214+1,502
Macquarie Bank6.09%$24,214+1,502
UBank6.09%$24,214+1,502
Bendigo Bank6.14%$24,343+1,632
Bank of Queensland6.14%$24,343+1,632
ANZ6.39%$24,994+2,282
NAB6.44%$25,125+2,414
Suncorp6.54%$25,388+2,676
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Mortgage Cashflow Over Time

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Cost Breakdown

ItemAmount
Property Price$5,000,000
Base Stamp Duty$257,012
Foreign Buyer Surcharge+$450,000
Stamp Duty Payable$707,012

Frequently Asked Questions

How much stamp duty do I pay on a $5M property in New South Wales?β–Ύ
A foreign buyer purchasing a $5M property in New South Wales pays $707,012 in stamp duty.
Are there stamp duty concessions for foreign buyers in New South Wales?β–Ύ
Standard rates apply for foreign buyers. No concessional rates are available.
When is stamp duty due in New South Wales?β–Ύ
In New South Wales, stamp duty (transfer duty) is generally due within 3 months of signing the contract, or on settlement β€” whichever is earlier.
What is the stamp duty rate in New South Wales?β–Ύ
New South Wales uses a progressive bracket system. The exact rate depends on the purchase price β€” for a $5M purchase as a foreign buyer, the effective rate is approximately 14.14%.

Compare Buyer Types β€” $5M in NSW

Owner Occupier$257,012First Home Buyer$257,012Investor$257,012

Stamp Duty at Other Prices β€” NSW Foreign Buyer

$300k$35,632$500k$61,912$750k$95,662$900k$115,912$1M$129,412$1.25M$163,262$1.5M$199,512$2M$272,012$3M$417,012

Need a Custom Calculation?

Use our full New South Wales stamp duty calculator for exact amounts with your specific property details.

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New South Wales Stamp Duty $5M β€” Foreign Buyer | $707,012