What are mortgage registration fees?
Mortgage registration fees are one of the often-overlooked costs of refinancing a home loan.
We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder.
Whether you’re refinancing your home loan or buying a new property, one of the costs you’ll incur is the mortgage registration fee. While it tends to be a minor cost, it’s an important one to factor in. It’s particularly important to consider when you’re refinancing, as it can affect the savings you make when you refinance your home loan.
What is the mortgage registration fee?
A mortgage registration fee is charged by state and territory governments to register the security for a home loan. In other words, it registers the physical property as the security on a home loan.
This process is important because it allows future buyers to check any claims that exist on a property. The fee is paid when a home loan is established or when it’s discharged.
How much is the mortgage registration fee?
The cost of the mortgage registration fee varies from state to state. Here’s what you can expect to pay:
- ACT: $145
- New South Wales: $141.60
- Northern Territory: $145
- Queensland: $187
- South Australia: $163
- Tasmania: $135.09 to register, $167.48 to discharge
- Victoria: $116.80
- Western Australia: $171.20
Are mortgage registration fees a big expense?
Mortgage registration fees are minimal compared with some of the other costs of a home loan, such as stamp duty and lenders mortgage insurance (LMI), but it’s important to know all the fees involved, particularly when refinancing your home loan.
To get a full picture of the costs and benefits of refinancing your home loan, you can visit our guide.
If you’re a first time buyer, you can check out our guide to some of the hidden costs involved in buying your first property.
Refinancing? Compare refinance loans
More guides on Finder
Brighte Personal Loan
Looking to renovate your home? Find out more about Brighte's personal loan for home improvements and ways in which it may be able to benefit you.
Endeavour Mutual Bank Special Fixed Home Loan
The Special Fixed Home Loan from Endeavour Mutual Bank is a fixed rate mortgage for owner-occupiers and investors.
Planning your retirement? Here are 4 things you need to know about reverse mortgages
SPONSORED: A reverse mortgage could let you use some of your home equity to fund your retirement costs. Here's what you need to know.
Sydney Mutual Bank Special Fixed Home Loan
The Special Fixed Home Loan from Sydney Mutual Bank is a fixed rate mortgage for owner-occupiers and investors. Available with a 5% deposit.
Hunter United Fixed Home Loan
The Fixed Home Loan from Hunter United is a fixed rate loan with options for home buyers and investors.
Car registration Queensland
What you need to know about car registration in Queensland, from the different fees to the rego costs.
loans.com.au Smart Booster Variable Investor Bundle
The Smart Booster Variable Investor Bundle from loans.com.au is a discount variable rate investment loan for borrowers who have a home loan with the same lender.
homeloans.com.au Low Rate Home Loan with Offset
The homeloans.com.au Low Rate Home Loan with Offset is fee-free and features a 100% offset account.
G&C Mutual Bank Momentum Home Loan
Read more about the Momentum Home Loan from G&C Mutual Bank.
Home Loan OffersImportant Information*
Up to $3,000 refinance cashback. A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.
Up to $4,000 refinance cashback. A competitive variable rate loan from St.George. Refinancers borrowing $250,000 or more can get $4,000 cashback (Other terms, conditions and exclusions apply).
A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.
Take advantage of a low-fee mortgage with a special interest rate of just 2.49% p.a. and a 2.49% p.a. comparison rate.
Ask an Expert