Mortgage registration fees

You have to pay a mortgage registration fee when you settle your loan or when refinancing.

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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

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years
Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment

UBank UHomeLoan Fixed P&IHome 1Y Fixed≥ 20% Deposit

UBank UHomeLoan Fixed
1.79%
2.18%
  • App: $0
  • Ongoing: $0 p.a.
$540
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.

Nano Variable Home Loans P&IHome≥ 25% Deposit Refi Only

Nano Variable Home Loans
1.99%
1.99%
  • App: $0
  • Ongoing: $0 p.a.
$555
Switch to this competitive variable rate with zero fees. Requires a 25% deposit.

HSBC Fixed Rate Home Loan Package P&IHome 2Y Fixed≥ 20% Deposit

HSBC Fixed Rate Home Loan Package
1.88%
2.87%
  • App: $0
  • Ongoing: $390 p.a.
$547
$3,288 refinance cashback offer
Lock in a low fixed rate for 2 years and buy your home with a 20% deposit. Eligible refinancers borrowing $250,000 or more can get a $3,288 cashback. Terms and conditions apply.

Suncorp Home Package Plus Fixed P&IHome 2Y Fixed≥ 20% Deposit

Suncorp Home Package Plus Fixed
1.89%
2.85%
  • App: $0
  • Ongoing: $0 p.a.
$548
$3,000 refinance cash bonus
Lock in a low fixed rate for 2 years. Available with a 20% deposit. Eligible new borrowers can get the annual package fee reimbursed for the life of the loan. $3,000 refinance cash bonus for eligible borrowers. Other terms, conditions and eligibility criteria apply.

loans.com.au Smart Booster Discount Variable Home Loan P&IHome≥ 20% Deposit

loans.com.au Smart Booster Discount Variable Home Loan
1.85%
2.21%
  • App: $0
  • Ongoing: $0 p.a.
$545
Get a low discounted variable rate loan. Requires a 20% deposit. Get your loan processed fast and settle within 30 days.
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