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  • Start Here

    The Subclass 485 Temporary Graduate Visa underwent its most dramatic transformation in history on March 1, 2026. What was once a relatively affordable "bridge" to professional work has now become the most expensive post-study permit in the world. Understanding the split between what goes to the government and what goes to your legal team is critical to avoiding a $10,000 financial disaster.



    1. The Government Share (Non-Refundable)

    As of March 1, 2026, the Department of Home Affairs doubled the base application charge for most students. This fee is not refunded if your application is refused due to a simple error.


    Primary Application Charges (VAC)

    • Main Applicant: $4,600 AUD (Up from $2,300 in 2025).
    • Partner/Dependent (18+): $2,300 AUD.
    • Child (Under 18): $1,160 AUD.
    • The "Pacific Discount": Citizens of specified Pacific Island nations and Timor-Leste remain at the lower rate of approximately $2,300.


    Mandatory Third-Party Costs

    • English Language Test: $400 – $450 (IELTS/PTE). Note: In 2026, tests must be less than 1 year old.
    • Australian Federal Police (AFP) Check: $42.
    • Health Examinations: $350 – $500 per person.
    • Skills Assessment: $500 – $1,200 (Only required for the Post-Vocational Education Work stream).



    2. The Legal Share (Professional Fees)

    Hiring a Registered Migration Agent (RMA) or Immigration Lawyer is optional but increasingly common in 2026 due to the high "Cost of Failure."

    Service TierEstimated Professional Fee (Excl. GST)Best For...
    DIY Review$450 – $800Checking your documents before you submit.
    Standard 485 Package$2,500 – $3,500Full handling of a standard Post-Higher Ed application.
    Complex Case$4,500 – $7,000Handling prior refusals, health waivers, or character issues.
    Subsequent Entrant$1,500 – $2,500Adding a partner to an existing 485 visa.



    3. The "Hidden" Budget Killers

    Beyond the obvious fees, 2026 applicants are often caught out by these "silent" expenses:

    • Credit Card Surcharges: The Department charges ~1.4% for Visa/Mastercard. On a $10,000 family application, that is an extra $140 just for the transaction.
    • Health Insurance (OVHC): You must switch from OSHC to OVHC. Monthly premiums for couples can range from $250 – $450.
    • Document Translations: $50 – $100 per page for non-English birth or marriage certificates.


    Total Estimated Budget: 2026 Comparison

    ItemSingle Applicant (DIY)Couple (With Agent)
    Govt Visa Fees$4,600$6,900
    Legal/Agent Fees$0$3,500
    Ancillary (Health/English/AFP)$900$1,800
    TOTAL$5,500 AUD$12,200 AUD
  • Study

    The Subclass 485 Temporary Graduate Visa underwent its most dramatic transformation in history on March 1, 2026. What was once a relatively affordable "bridge" to professional work has now become the most expensive post-study permit in the world. Understanding the split between what goes to the government and what goes to your legal team is critical to avoiding a $10,000 financial disaster.



    1. The Government Share (Non-Refundable)

    As of March 1, 2026, the Department of Home Affairs doubled the base application charge for most students. This fee is not refunded if your application is refused due to a simple error.


    Primary Application Charges (VAC)

    • Main Applicant: $4,600 AUD (Up from $2,300 in 2025).
    • Partner/Dependent (18+): $2,300 AUD.
    • Child (Under 18): $1,160 AUD.
    • The "Pacific Discount": Citizens of specified Pacific Island nations and Timor-Leste remain at the lower rate of approximately $2,300.


    Mandatory Third-Party Costs

    • English Language Test: $400 – $450 (IELTS/PTE). Note: In 2026, tests must be less than 1 year old.
    • Australian Federal Police (AFP) Check: $42.
    • Health Examinations: $350 – $500 per person.
    • Skills Assessment: $500 – $1,200 (Only required for the Post-Vocational Education Work stream).



    2. The Legal Share (Professional Fees)

    Hiring a Registered Migration Agent (RMA) or Immigration Lawyer is optional but increasingly common in 2026 due to the high "Cost of Failure."

    Service TierEstimated Professional Fee (Excl. GST)Best For...
    DIY Review$450 – $800Checking your documents before you submit.
    Standard 485 Package$2,500 – $3,500Full handling of a standard Post-Higher Ed application.
    Complex Case$4,500 – $7,000Handling prior refusals, health waivers, or character issues.
    Subsequent Entrant$1,500 – $2,500Adding a partner to an existing 485 visa.



    3. The "Hidden" Budget Killers

    Beyond the obvious fees, 2026 applicants are often caught out by these "silent" expenses:

    • Credit Card Surcharges: The Department charges ~1.4% for Visa/Mastercard. On a $10,000 family application, that is an extra $140 just for the transaction.
    • Health Insurance (OVHC): You must switch from OSHC to OVHC. Monthly premiums for couples can range from $250 – $450.
    • Document Translations: $50 – $100 per page for non-English birth or marriage certificates.


    Total Estimated Budget: 2026 Comparison

    ItemSingle Applicant (DIY)Couple (With Agent)
    Govt Visa Fees$4,600$6,900
    Legal/Agent Fees$0$3,500
    Ancillary (Health/English/AFP)$900$1,800
    TOTAL$5,500 AUD$12,200 AUD
  • Work

    The Subclass 485 Temporary Graduate Visa underwent its most dramatic transformation in history on March 1, 2026. What was once a relatively affordable "bridge" to professional work has now become the most expensive post-study permit in the world. Understanding the split between what goes to the government and what goes to your legal team is critical to avoiding a $10,000 financial disaster.



    1. The Government Share (Non-Refundable)

    As of March 1, 2026, the Department of Home Affairs doubled the base application charge for most students. This fee is not refunded if your application is refused due to a simple error.


    Primary Application Charges (VAC)

    • Main Applicant: $4,600 AUD (Up from $2,300 in 2025).
    • Partner/Dependent (18+): $2,300 AUD.
    • Child (Under 18): $1,160 AUD.
    • The "Pacific Discount": Citizens of specified Pacific Island nations and Timor-Leste remain at the lower rate of approximately $2,300.


    Mandatory Third-Party Costs

    • English Language Test: $400 – $450 (IELTS/PTE). Note: In 2026, tests must be less than 1 year old.
    • Australian Federal Police (AFP) Check: $42.
    • Health Examinations: $350 – $500 per person.
    • Skills Assessment: $500 – $1,200 (Only required for the Post-Vocational Education Work stream).



    2. The Legal Share (Professional Fees)

    Hiring a Registered Migration Agent (RMA) or Immigration Lawyer is optional but increasingly common in 2026 due to the high "Cost of Failure."

    Service TierEstimated Professional Fee (Excl. GST)Best For...
    DIY Review$450 – $800Checking your documents before you submit.
    Standard 485 Package$2,500 – $3,500Full handling of a standard Post-Higher Ed application.
    Complex Case$4,500 – $7,000Handling prior refusals, health waivers, or character issues.
    Subsequent Entrant$1,500 – $2,500Adding a partner to an existing 485 visa.



    3. The "Hidden" Budget Killers

    Beyond the obvious fees, 2026 applicants are often caught out by these "silent" expenses:

    • Credit Card Surcharges: The Department charges ~1.4% for Visa/Mastercard. On a $10,000 family application, that is an extra $140 just for the transaction.
    • Health Insurance (OVHC): You must switch from OSHC to OVHC. Monthly premiums for couples can range from $250 – $450.
    • Document Translations: $50 – $100 per page for non-English birth or marriage certificates.


    Total Estimated Budget: 2026 Comparison

    ItemSingle Applicant (DIY)Couple (With Agent)
    Govt Visa Fees$4,600$6,900
    Legal/Agent Fees$0$3,500
    Ancillary (Health/English/AFP)$900$1,800
    TOTAL$5,500 AUD$12,200 AUD
  • Living in Australia

    The Subclass 485 Temporary Graduate Visa underwent its most dramatic transformation in history on March 1, 2026. What was once a relatively affordable "bridge" to professional work has now become the most expensive post-study permit in the world. Understanding the split between what goes to the government and what goes to your legal team is critical to avoiding a $10,000 financial disaster.



    1. The Government Share (Non-Refundable)

    As of March 1, 2026, the Department of Home Affairs doubled the base application charge for most students. This fee is not refunded if your application is refused due to a simple error.


    Primary Application Charges (VAC)

    • Main Applicant: $4,600 AUD (Up from $2,300 in 2025).
    • Partner/Dependent (18+): $2,300 AUD.
    • Child (Under 18): $1,160 AUD.
    • The "Pacific Discount": Citizens of specified Pacific Island nations and Timor-Leste remain at the lower rate of approximately $2,300.


    Mandatory Third-Party Costs

    • English Language Test: $400 – $450 (IELTS/PTE). Note: In 2026, tests must be less than 1 year old.
    • Australian Federal Police (AFP) Check: $42.
    • Health Examinations: $350 – $500 per person.
    • Skills Assessment: $500 – $1,200 (Only required for the Post-Vocational Education Work stream).



    2. The Legal Share (Professional Fees)

    Hiring a Registered Migration Agent (RMA) or Immigration Lawyer is optional but increasingly common in 2026 due to the high "Cost of Failure."

    Service TierEstimated Professional Fee (Excl. GST)Best For...
    DIY Review$450 – $800Checking your documents before you submit.
    Standard 485 Package$2,500 – $3,500Full handling of a standard Post-Higher Ed application.
    Complex Case$4,500 – $7,000Handling prior refusals, health waivers, or character issues.
    Subsequent Entrant$1,500 – $2,500Adding a partner to an existing 485 visa.



    3. The "Hidden" Budget Killers

    Beyond the obvious fees, 2026 applicants are often caught out by these "silent" expenses:

    • Credit Card Surcharges: The Department charges ~1.4% for Visa/Mastercard. On a $10,000 family application, that is an extra $140 just for the transaction.
    • Health Insurance (OVHC): You must switch from OSHC to OVHC. Monthly premiums for couples can range from $250 – $450.
    • Document Translations: $50 – $100 per page for non-English birth or marriage certificates.


    Total Estimated Budget: 2026 Comparison

    ItemSingle Applicant (DIY)Couple (With Agent)
    Govt Visa Fees$4,600$6,900
    Legal/Agent Fees$0$3,500
    Ancillary (Health/English/AFP)$900$1,800
    TOTAL$5,500 AUD$12,200 AUD
    • Accommodation
    • Banking
    • Food
    • Lifestyle
    • Health & Wellness
  • Travel

    The Subclass 485 Temporary Graduate Visa underwent its most dramatic transformation in history on March 1, 2026. What was once a relatively affordable "bridge" to professional work has now become the most expensive post-study permit in the world. Understanding the split between what goes to the government and what goes to your legal team is critical to avoiding a $10,000 financial disaster.



    1. The Government Share (Non-Refundable)

    As of March 1, 2026, the Department of Home Affairs doubled the base application charge for most students. This fee is not refunded if your application is refused due to a simple error.


    Primary Application Charges (VAC)

    • Main Applicant: $4,600 AUD (Up from $2,300 in 2025).
    • Partner/Dependent (18+): $2,300 AUD.
    • Child (Under 18): $1,160 AUD.
    • The "Pacific Discount": Citizens of specified Pacific Island nations and Timor-Leste remain at the lower rate of approximately $2,300.


    Mandatory Third-Party Costs

    • English Language Test: $400 – $450 (IELTS/PTE). Note: In 2026, tests must be less than 1 year old.
    • Australian Federal Police (AFP) Check: $42.
    • Health Examinations: $350 – $500 per person.
    • Skills Assessment: $500 – $1,200 (Only required for the Post-Vocational Education Work stream).



    2. The Legal Share (Professional Fees)

    Hiring a Registered Migration Agent (RMA) or Immigration Lawyer is optional but increasingly common in 2026 due to the high "Cost of Failure."

    Service TierEstimated Professional Fee (Excl. GST)Best For...
    DIY Review$450 – $800Checking your documents before you submit.
    Standard 485 Package$2,500 – $3,500Full handling of a standard Post-Higher Ed application.
    Complex Case$4,500 – $7,000Handling prior refusals, health waivers, or character issues.
    Subsequent Entrant$1,500 – $2,500Adding a partner to an existing 485 visa.



    3. The "Hidden" Budget Killers

    Beyond the obvious fees, 2026 applicants are often caught out by these "silent" expenses:

    • Credit Card Surcharges: The Department charges ~1.4% for Visa/Mastercard. On a $10,000 family application, that is an extra $140 just for the transaction.
    • Health Insurance (OVHC): You must switch from OSHC to OVHC. Monthly premiums for couples can range from $250 – $450.
    • Document Translations: $50 – $100 per page for non-English birth or marriage certificates.


    Total Estimated Budget: 2026 Comparison

    ItemSingle Applicant (DIY)Couple (With Agent)
    Govt Visa Fees$4,600$6,900
    Legal/Agent Fees$0$3,500
    Ancillary (Health/English/AFP)$900$1,800
    TOTAL$5,500 AUD$12,200 AUD
  • Visa & Immigration

    The Subclass 485 Temporary Graduate Visa underwent its most dramatic transformation in history on March 1, 2026. What was once a relatively affordable "bridge" to professional work has now become the most expensive post-study permit in the world. Understanding the split between what goes to the government and what goes to your legal team is critical to avoiding a $10,000 financial disaster.



    1. The Government Share (Non-Refundable)

    As of March 1, 2026, the Department of Home Affairs doubled the base application charge for most students. This fee is not refunded if your application is refused due to a simple error.


    Primary Application Charges (VAC)

    • Main Applicant: $4,600 AUD (Up from $2,300 in 2025).
    • Partner/Dependent (18+): $2,300 AUD.
    • Child (Under 18): $1,160 AUD.
    • The "Pacific Discount": Citizens of specified Pacific Island nations and Timor-Leste remain at the lower rate of approximately $2,300.


    Mandatory Third-Party Costs

    • English Language Test: $400 – $450 (IELTS/PTE). Note: In 2026, tests must be less than 1 year old.
    • Australian Federal Police (AFP) Check: $42.
    • Health Examinations: $350 – $500 per person.
    • Skills Assessment: $500 – $1,200 (Only required for the Post-Vocational Education Work stream).



    2. The Legal Share (Professional Fees)

    Hiring a Registered Migration Agent (RMA) or Immigration Lawyer is optional but increasingly common in 2026 due to the high "Cost of Failure."

    Service TierEstimated Professional Fee (Excl. GST)Best For...
    DIY Review$450 – $800Checking your documents before you submit.
    Standard 485 Package$2,500 – $3,500Full handling of a standard Post-Higher Ed application.
    Complex Case$4,500 – $7,000Handling prior refusals, health waivers, or character issues.
    Subsequent Entrant$1,500 – $2,500Adding a partner to an existing 485 visa.



    3. The "Hidden" Budget Killers

    Beyond the obvious fees, 2026 applicants are often caught out by these "silent" expenses:

    • Credit Card Surcharges: The Department charges ~1.4% for Visa/Mastercard. On a $10,000 family application, that is an extra $140 just for the transaction.
    • Health Insurance (OVHC): You must switch from OSHC to OVHC. Monthly premiums for couples can range from $250 – $450.
    • Document Translations: $50 – $100 per page for non-English birth or marriage certificates.


    Total Estimated Budget: 2026 Comparison

    ItemSingle Applicant (DIY)Couple (With Agent)
    Govt Visa Fees$4,600$6,900
    Legal/Agent Fees$0$3,500
    Ancillary (Health/English/AFP)$900$1,800
    TOTAL$5,500 AUD$12,200 AUD
    • Family & Partner Visas
    • Permanent Residency (PR)
    • Student Visas
    • Work & Skilled Visas
  • Parents Hub

    The Subclass 485 Temporary Graduate Visa underwent its most dramatic transformation in history on March 1, 2026. What was once a relatively affordable "bridge" to professional work has now become the most expensive post-study permit in the world. Understanding the split between what goes to the government and what goes to your legal team is critical to avoiding a $10,000 financial disaster.



    1. The Government Share (Non-Refundable)

    As of March 1, 2026, the Department of Home Affairs doubled the base application charge for most students. This fee is not refunded if your application is refused due to a simple error.


    Primary Application Charges (VAC)

    • Main Applicant: $4,600 AUD (Up from $2,300 in 2025).
    • Partner/Dependent (18+): $2,300 AUD.
    • Child (Under 18): $1,160 AUD.
    • The "Pacific Discount": Citizens of specified Pacific Island nations and Timor-Leste remain at the lower rate of approximately $2,300.


    Mandatory Third-Party Costs

    • English Language Test: $400 – $450 (IELTS/PTE). Note: In 2026, tests must be less than 1 year old.
    • Australian Federal Police (AFP) Check: $42.
    • Health Examinations: $350 – $500 per person.
    • Skills Assessment: $500 – $1,200 (Only required for the Post-Vocational Education Work stream).



    2. The Legal Share (Professional Fees)

    Hiring a Registered Migration Agent (RMA) or Immigration Lawyer is optional but increasingly common in 2026 due to the high "Cost of Failure."

    Service TierEstimated Professional Fee (Excl. GST)Best For...
    DIY Review$450 – $800Checking your documents before you submit.
    Standard 485 Package$2,500 – $3,500Full handling of a standard Post-Higher Ed application.
    Complex Case$4,500 – $7,000Handling prior refusals, health waivers, or character issues.
    Subsequent Entrant$1,500 – $2,500Adding a partner to an existing 485 visa.



    3. The "Hidden" Budget Killers

    Beyond the obvious fees, 2026 applicants are often caught out by these "silent" expenses:

    • Credit Card Surcharges: The Department charges ~1.4% for Visa/Mastercard. On a $10,000 family application, that is an extra $140 just for the transaction.
    • Health Insurance (OVHC): You must switch from OSHC to OVHC. Monthly premiums for couples can range from $250 – $450.
    • Document Translations: $50 – $100 per page for non-English birth or marriage certificates.


    Total Estimated Budget: 2026 Comparison

    ItemSingle Applicant (DIY)Couple (With Agent)
    Govt Visa Fees$4,600$6,900
    Legal/Agent Fees$0$3,500
    Ancillary (Health/English/AFP)$900$1,800
    TOTAL$5,500 AUD$12,200 AUD
  • Student Hub

    The Subclass 485 Temporary Graduate Visa underwent its most dramatic transformation in history on March 1, 2026. What was once a relatively affordable "bridge" to professional work has now become the most expensive post-study permit in the world. Understanding the split between what goes to the government and what goes to your legal team is critical to avoiding a $10,000 financial disaster.



    1. The Government Share (Non-Refundable)

    As of March 1, 2026, the Department of Home Affairs doubled the base application charge for most students. This fee is not refunded if your application is refused due to a simple error.


    Primary Application Charges (VAC)

    • Main Applicant: $4,600 AUD (Up from $2,300 in 2025).
    • Partner/Dependent (18+): $2,300 AUD.
    • Child (Under 18): $1,160 AUD.
    • The "Pacific Discount": Citizens of specified Pacific Island nations and Timor-Leste remain at the lower rate of approximately $2,300.


    Mandatory Third-Party Costs

    • English Language Test: $400 – $450 (IELTS/PTE). Note: In 2026, tests must be less than 1 year old.
    • Australian Federal Police (AFP) Check: $42.
    • Health Examinations: $350 – $500 per person.
    • Skills Assessment: $500 – $1,200 (Only required for the Post-Vocational Education Work stream).



    2. The Legal Share (Professional Fees)

    Hiring a Registered Migration Agent (RMA) or Immigration Lawyer is optional but increasingly common in 2026 due to the high "Cost of Failure."

    Service TierEstimated Professional Fee (Excl. GST)Best For...
    DIY Review$450 – $800Checking your documents before you submit.
    Standard 485 Package$2,500 – $3,500Full handling of a standard Post-Higher Ed application.
    Complex Case$4,500 – $7,000Handling prior refusals, health waivers, or character issues.
    Subsequent Entrant$1,500 – $2,500Adding a partner to an existing 485 visa.



    3. The "Hidden" Budget Killers

    Beyond the obvious fees, 2026 applicants are often caught out by these "silent" expenses:

    • Credit Card Surcharges: The Department charges ~1.4% for Visa/Mastercard. On a $10,000 family application, that is an extra $140 just for the transaction.
    • Health Insurance (OVHC): You must switch from OSHC to OVHC. Monthly premiums for couples can range from $250 – $450.
    • Document Translations: $50 – $100 per page for non-English birth or marriage certificates.


    Total Estimated Budget: 2026 Comparison

    ItemSingle Applicant (DIY)Couple (With Agent)
    Govt Visa Fees$4,600$6,900
    Legal/Agent Fees$0$3,500
    Ancillary (Health/English/AFP)$900$1,800
    TOTAL$5,500 AUD$12,200 AUD

Category: Work & Skilled Visas

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  • Work & Skilled Visas
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Australia Student & Expat Resource Hub | NammAustralia

Nammaustralia is a practical guide for international students moving to Australia. We cover visas, jobs, accommodation, cost of living, and PR pathways with clear, research-based insights for Indian and GCC students.

Disclaimer: The information provided is for general informational purposes only. Please verify details with official sources. We are not liable for decisions made based on this content.

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