Refinancing your home loan can be a smart financial move, but it often comes with several costs you need to understand upfront—and one of the most significant can be stamp duty, depending on your situation. While stamp duty isn’t always required when refinancing, it may apply if you’re changing property ownership, restructuring your loan, or switching to certain types of mortgages. The amount you might pay varies based on your property’s value, your state or territory, and the latest government regulations.