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Key Features

You can SAVE hundreds
with this loan

*T&Cs Apply
  • Offset Account
  • Redraw Facility
  • Additional Repayments
  • Loan Type
  • Min Loan
    Max Loan
    No maximum
  • Settlement Fee
  • Monthly Fee
  • Discharge Fee
  • Internet Access
  • LVR
  • Repayment Type
    Principal & Interest
  • Loan Splitting

Repayments Calculator

The interest rate for the loan.
% p.a.
What is the length of time to repay the loan?
How much do you want to borrow?
What is the type of the loan?

& Interest

Interest Only

Your Repayments

  • Weekly
  • Fortnightly
  • Monthly

$0 per month

Important Disclaimer: This is intended as a guide only. Details of terms and conditions, interest rates, fees and charges are available upon application. Mortgage House’s prevailing credit criteria apply. Please note that your actual fortnightly repayment would be equal to the monthly repayment amount divided by two. Weekly repayments would equal the monthly repayment amount divided by four. If you choose to pay fortnightly or weekly, your actual repayments will be higher than repayments shown on this page. You can reduce the term of your loan if you choose to make repayments fortnightly or weekly. We recommend you seek independent legal and financial advice before proceeding with any loan.

Loan Details

    Interest Rate
    Comparison Rate
    The Comparison Rate is based on a loan of $150,000.00 over 25 years. Fees and charges may be payable. WARNING: The comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
  • Owner Occupied
    2.84% p.a.
    3.01% p.a.
  • Maximum LVR
  • Minimum Loan Size
  • Maximum Loan Size
    No maximum
  • Fixed Rates
  • Loan Splitting
    The ability to have many separate accounts under one loan for which there may be multiple purposes, e.g personal and investment splits, fixed and variable splits, etc.
Repayment Options
  • Principal & Interest
    A loan in which both the principal and the interest are repaid over the term of the loan. Amortisation or amortising is another word for these loans that are gradually being paid off over a set period of time (the loan term). P&I can also be the abbreviation term for Principal & Interest.
  • Interest Only
  • Additional Repayments
    Money IN - Allows you to make additional repayments without penalty.
  • Direct Debits
    Money IN - A direct debit is an automatic payment that is set up to repay your home loan. You specify the frequency and repayment amount as well as the bank or transaction account that the repayment is to be drawn from and this payment will occur automatically on the set due date.
  • Salary Credit
    Money IN - A manual payment to a loan account either via internet transfer or employee payroll transfer
  • Direct Credits
    Money IN - The ability for an external party to pay directly into a borrower's loan account
  • Deposit Card
    Money IN - A card used at the post office to deposit your repayments (they can be your normal repayments that are due or additional repayments)
  • Bpay In
    Money IN - The ability to pay your loan via a unique biller code from another financial institution
  • Capitalising of Interest
  • Line of Credit
Loan Purpose
  • Purchase
    Where you are buying a property
  • Refinance
    Where you are looking to move your current loan from one lender to another
  • Debt Consolidation
    Where you are looking to move multiple loans into one loan
  • Construction
    Where you are building a new property
  • Vacant Land
    Where you are purchasing land with no immediate intent to build the new property straight away
  • Equity Release
  • Business Purpose
  • 100% Offset Facility
    A non-interest earning account where 100% of the balance is offset against the home loan to reduce the total interest payable.
  • Redraw Facility
    Money OUT - If you have made any lump sum or additional principal repayments to your loan account in excess of the standard repayment amount, you can access or draw back those extra repayments.
  • No Monthly Fees
  • No Package Fee (excluding Stretch Feature)
  • No Rate Lock Fee
  • Stretch Package Feature
  • Low Deposit Option
  • Toggle Feature
  • Relocation Feature
  • Repayment Sweep of Credit Card
  • Internet Access
    The access via the internet to view & administer your home loan.
  • Phone Access
    The access via the phone to administer your home loan.
  • ATM / EFTPOS Debit Card
    Money OUT - An ATM card is included on this loan in order for you to withdraw cash or make purchases for living purposes.
  • 3rd Party Direct Debits
  • Repayment Required
    Each repayment cycle (normally monthly) a repayment must be made, regardless if you have redraw available in the loan account.
  • Cheque Book
  • LMI Premium Capitalisation
  • 3rd Party Protocol Friendly
  • Loan Switching
  • Up to 40 Year Loan Term
  • Up to 30 Year Loan Term
  • Up to 25 Year Loan Term
  • SMSF Loans
  • Deposit Bond
    A deposit bond acts as a substitute for the cash deposit in between signing a contract and settlement and can be issued for all or part of the deposit amount required, up to 10% of the purchase price. At settlement, the purchaser is required to pay the full purchase price including the deposit.
  • NRAS Option
  • Bpay Out
    Money OUT - The ability to pay your loan via a unique biller code to another financial institution
  • No LMI Premium Payable By Borrower
  • Mortgage Insurance not Required
  • Loan Portability
  • Monthly Fee
  • Package Fee
    No package fee
  • Rate Lock Fee
    No rate lock fee
  • Application Fee
    No application fee
  • Valuation Fee
    Up to $300 free^
  • Settlement Fee
  • Discharge Fee
^Mortgage House will pay up to $300 per property, any excess valuation fees are payable by the borrower(s)
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What are the features of these kind of home loans?

Our standard home loan is one of our popular regular mortgages, and it has a lot of great features for a large range of owner occupiers. It’s headlined by an attractive variable interest rate, which you can attach an offset account to, to make it even more attractive. An offset account is a non-interest bearing account where 100% of the balance can be offset against your mortgage. Offset accounts can reduce the total interest payable on your loan. Our standard home loan also features a redraw facility, which allows you to draw back, or withdraw, any lump sum payments or extra repayments you have made, on top of your regular repayments. That also means you will not be penalised for making extra repayments on our standard home loan. There is no maximum size for our standard home loan, and the minimum you can borrow is $300,000. Another important feature of this loan is that the maximum Loan-to-Value Ratio is 90%. That means you can borrow up to 90% of the value of the property. Mortgages such as these are a great option whether you are starting out and buying your first home, or upgrading or downsizing to a new one.

Where can I find any tips and home loan guides?

Whether it’s our standard home loan you’re looking at, or one of our other mortgages, finding a suitable home loan can mean doing a bit of research. At Mortgage House, we strive to provide loan, product and service outcomes tailored to the exact needs of every client. One of the best ways to do this is by providing you with a range of home loan guides and resources to help you find the information you need. Our Resources page can help you with the large amount of information you are looking for. You can find a range of checklists and tips about different kinds of mortgages and investments, which can help you get organised for every step of the property buying process. You can even compare up to five loans at once, by looking at all their main features side by side. We also have a glossary of all the mortgage jargon you are likely to come across in your home loan search, and our FAQs are very comprehensive and useful. We can help you give your current loan a health check, and our customer service team is dedicated to the highest level of assistance. Our Resources page also includes our preapproval information. We can also provide you with a free home loan preapproval in minutes. Our preapprovals are valid for three months and are only intended as a guide, but they can be an important indicator of what you might be approved for.

Advantage Standard Home Loan

What home loan calculators can I access?

Our mortgage calculators are another great resource available on our website. They can help you find how much your repayments may be with certain mortgages, including our standard home loan, as well as how much you might be able to borrow, based on your income and expenses. Our calculators can also work out how much stamp duty you will pay, and help you compare our range of home loans to find the best rate for your needs. We also have calculators that can help you budget, and can show you the difference between repayments if you are considering switching loans.

Where can I get information if I am buying my first home?

Buying your first home is an exciting time, but it also can be quite scary. With so many things to consider, Mortgage House has developed a step-by-step guide to help you with handy tips, tools and tricks to watch out for when applying for your mortgage and purchasing your first home. It will help identify what to do in the months leading up to applying for a mortgage, and guide you through the First Home Owners Grant process, no matter what state you live in. We can also highlight some of the unexpected upfront fees of buying a house, and what government charges you also might attract.

What if I am worried about mortgage debt?

Going into mortgage debt, especially for the first time, can be daunting, and that’s understandable. Mortgages are a big expense over a long period of time. However, if you are currently paying rent, all you are doing is paying someone else’s mortgage. If you do buy a home, and meet the repayments, your credit rating can increase, and at the end of it all, will own an asset that has probably increased in price significantly since you bought it. And the longer you have a home loan for, the more equity you usually grow, which can help you if you want to invest or borrow more money in the future.

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