Mortgage Registration Fee Estimator
Estimate the government fee to register a mortgage against a property title using your state land titles office's published fee.
Your results
Calculation breakdown
- Total
- fee per mortgage × number of mortgages
Worked example
A $175 mortgage registration fee for a single mortgage adds a small flat cost to your overall settlement bill.
Assumptions
- Fees are usually flat per mortgage and set by each state's land titles office, not scaled with loan size.
- Multiple mortgages (e.g. from refinancing at settlement) may each attract a separate fee.
How this calculator works
When you take out a home loan, your lender registers a mortgage over the property title, which attracts a state government registration fee. Enter your state's current published fee to add it into your overall settlement cost estimate.
Frequently asked questions
Who pays this fee?
The borrower typically pays the mortgage registration fee as part of settlement costs, even though the lender arranges the registration.
Does this fee change with loan size?
No, in most states it's a flat administrative fee set by the land titles office, unlike stamp duty which scales with value.
Where can I confirm the current fee?
Check your state or territory's land titles office website, which publishes current fee schedules.
Results are estimates only and are not financial, tax, legal or credit advice.