Frequently asked questions

The mortgage registration fee varies between states. This fee is charged for registering a home loan, ensuring that the property serves as security for the loan.

The government requires home loans to be registered so that future claims on the property can be verified by prospectors. Gem Wealth Finance’s stamp duty calculator can help you estimate how much you may need to pay in your state.

You can schedule a callback from a Home Loan Specialist by clicking here.

We apologise if you haven’t received your SMS confirmation code yet. We recommend restarting the process to receive a new code.

If you still haven’t received it, please contact one of our Home Loan Specialists for assistance.

Since stamp duty is an upfront cost, lenders generally prefer borrowers to cover it through personal savings.

However, in some cases, lenders may include this cost in the loan amount, along with other expenses such as Lender’s Mortgage Insurance and ongoing product fees. Alternatively, stamp duty fees can also be covered using a Guarantor Loan.

Find out how much stamp duty you may need to pay [here].

Get free expert advice on your home loan—schedule a chat with one of our Home Loan Specialists today.

Unfortunately, no.

During the application process, only one person can receive the First Home Owner Grant (FHOG). However, before determining your eligibility, you must ensure that your partner or spouse has not previously received the grant in any Australian state or territory. Otherwise, you may not be eligible.

You can schedule a callback from a Home Loan Specialist [here].

Read our complete guide to the First Home Owner Grant [here].

Yes, we may be able to help you depending on a number of factors. We consider the following:
the value of the property
your deposit or the size of your pension