RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%  
Select Portfolio Finance

1300 227 577

Close this search box.

What is Mortgage Registration Fee, Transfer Fee, and How Much is Payable?

The Mortgage Registration Fee is a charge by the State or Territory land titles office to register the lender’s mortgage on the property’s title record, and is paid by the borrower in full at the time a loan is transacted. Should you default on your loan to the limits of bank policy, the registration of the mortgage against the bank will allow them to take ownership.

The Title Transfer Fee is a state/territory government fee for transferring the property title from the seller to the buyer. The cost can vary significantly depending on the location and/or state or territory of the property.

Purchasing a home is an administrative-intensive process that still relies on administration workers filling old-school manila folders and filing away documents in archaic filing cabinets. Given the reliance on this manual labour there are still fees to cover this process. The market is progressively moving towards a technology-driven system, but until then we’re charged various fees, such as the Mortgage Registration fee.

Stamp Duty Calculator

The stamp duty calculator returns the Mortgage Registration Fee and Title Transfer Fee alongside the Stamp Duty.

Sorry, the stamp duty calculator is unavailable for a short time. Please check back again soon.

Download our First Home Buyer Guide. It includes over 40-pages that'll guide you on your property purchase journey.

  E. Australia Standard Time [ UTC+10, Default ] [ CHECK TO CHANGE ]

  Want to have a no-obligation discussion?

Related FAQs:

Black Piggy Bank

What is the Consumer Price Index (CPI)?

Inflation is an increase in the level of prices of the goods and services that households buy. It is measured as the rate of change of those prices. Typically, prices rise over time, but prices can also fall (a situation called deflation).

Read More »
Blue Money Box

How is the Cash (Interest Rate) Determined?

Monetary policy involves using interest rates to influence aggregate demand, employment and inflation in the economy. It is one of the main economic policies used to stabilise business cycles. The Reserve Bank is responsible for monetary policy in Australia ..

Read More »
Mother and Son Painting

How is Compound Interest Calculated?

Compound Interest is the addition of interest to the principal sum of a loan – basically meaning that you pay interest on interest. Compound interest is standard practice when taking out a home loan.

Read More »

Share this FAQ

Share on Facebook
Share on Twitter
Share on Linkdin
Share on Pinterest