Get the Finder app 🥳

Connect your accounts & save

What are mortgage registration fees?

close up of man with calculator countingMortgage registration fees are one of the often-overlooked costs of refinancing a home loan.

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

Data indicated here is updated regularly
$
Loan purpose
Offset account
Loan type
Repayment type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
2.59%
2.59%
$0
$0 p.a.
80%
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
2.64%
2.66%
$500 (waived for loans above $150,000)
$0 p.a.
80%
Refinancers borrowing $250,000 or more can get a $2,000 cashback per property (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
loans.com.au Smart Home Loan - (Owner Occupier, P&I)
2.57%
2.59%
$0
$0 p.a.
80%
Get a low variable interest rate and pay 0 application or ongoing fees with this convenient online lender.
HSBC Home Value Loan - Promotional Offer (Owner Occupier P&I)
2.65%
2.66%
$0
$0 p.a.
80%
Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online.
Commonwealth Bank Wealth Package Fixed Home Loan - 2 Year Fixed Rate With Wealth Package (Owner Occupier, P&I, $150k+)
2.29%
3.99%
$0
$395 p.a.
95%
A competitive fixed rate package loan for home buyers. $2,000 cashback offer for eligible refinancers.
loading

Compare up to 4 providers

Related Posts

Home Loan Offers

Important Information*
Logo for UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 2.59% p.a. and a 2.59% p.a. comparison rate.

Logo for HSBC Home Value Loan - Promotional Offer (Owner Occupier P&I)
HSBC Home Value Loan - Promotional Offer (Owner Occupier P&I)

Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online.

Logo for ME Flexible Home Loan Fixed with Members Package - 2 Year Fixed Rate LVR <= 80% (Owner Occupier, P&I)
ME Flexible Home Loan Fixed with Members Package - 2 Year Fixed Rate LVR <= 80% (Owner Occupier, P&I)

Lock in a competitive rate for owner occupiers for two years. Comes with a 100% offset account.

Logo for Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)

Get one free online redraw per month and pay no ongoing fees. Application fees are waived for loans above $150,000. Refinance to an eligible Suncorp loan and get a cashback of $2,000 or $3,000, depending on your loan amount. Other conditions apply.

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Ask a question
Go to site