In over 99% of cases you will never pay us a cent! However there are certain fees that do apply when getting a home loan.
Government fees such as transfer stamp duty, registration of mortgage and transfer registration fees will apply (note that some transfer stamp duty concessions can apply if you are eligible for the First Home Owner’s Grant). You will also need to utilise the services of a settlement agent (conveyancer) who do charge for their services – their fees are scheduled however most offer generous discounts.
Most lenders have lower fee home loan options, or depending on your circumstances it may be appropriate to utilise the “professional package” offered by many lenders – it usually attracts an annual fee however entitles you to fee waivers and interest rate discounts.