Cost of Refinancing Your Home Loan — Australia 2026

For a standard variable rate mortgage refinance with no cashback, total switching costs are typically $500–$1,500, including discharge fees, government title fees, and lender fees.

How much does it cost to refinance in Australia?

Typically $500–$1,500 for a standard variable rate refinance. Main costs are the discharge fee ($150–$400), government title fees ($100–$250), and optionally a new lender application fee ($0–$600).