Fees

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.

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 Lenders Mortgage Insurance and ongoing product fees. Alternatively, stamp duty fees can also be covered using a Guarantor Loan.

See how much stamp duty you might need to pay [here].

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Depending on the state or territory you reside in, stamp duty, transfer fees and other government charges will vary.

Stamp duty is a tax, so the amount you pay will go towards the state or territory government budget. The amount will be used to fund public sectors such as Health, Education and Training, Roads Transport and Emergency Services.
To find out more, refer to the stamp duty section.