Mortgage Broker Melbourne charge no fees but you will likely pay Lender and Government fees in the course of arranging and settling your mortgage. In a property purchase, common Government charges are Stamp duty, Land Transfer Registration, Registration and Discharge Registration. You may also pay a loan application fee or lender legal charge, although it is your broker’s role to keep those to a minimum! You will also have to allow for Conveyancing and Coucil Rates / Body Corporate. When refinancing you don;t need a conveyancer and there’s no Stamp Duty or Land Transfer Registration so would only pay Registration and Discharge Registration plus any Lender fees, if applicable.