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The Real Costs for Overseas Buyers

Tom Carr·21 Aug 2025·Wombat Home Loans

Approval fees, state surcharges and ongoing charges — a practical guide for foreign buyers in Australia.

ATO Approval Fees (FIRB Residential Applications)

Residential application fees are tiered to the property price. The ATO maintains the current schedule — always check the live table on the ATO website before contracting. Applications are generally considered after full payment of the fee, with typical consideration taking up to 30 days once paid. Plan this into your contract timeline.

ATO Vacancy Fee (Ongoing)

If you're a foreign owner of residential real estate, you must lodge a vacancy fee return each year. The fee is determined based on the relevant "vacancy year." Check the ATO's website for current rates and worked examples.

State and Territory Surcharges

Always confirm the live rate with the relevant state revenue office — percentages can change. Current headline rates:

Illustrative Example (Victoria)

A foreign person purchases a new apartment in Victoria for AUD $900,000. Costs to factor in:

These costs stack up quickly. Getting accurate figures before signing is essential — not an afterthought.

⚠️ These rates can change. Always verify current figures directly with the ATO and your state revenue office before entering into any contract.

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