 This is usually done when the borrower pays back the loan in a short period of time, usually within 24 months of the loan advancement.In Australia, this fee is usually 0.77% of the total loan amount for loans paid back within the first 12 months after the settlement, and 0.385% within 24 months.If a borrower is using a mortgage broker for their home loan, then the broker will usually charge them this amount.