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Refinance and save with a super low rate and our:
Advantage Home Loan 80 (no offset)

Want one of the best home loan rates in Australia? You’ve come to the right place. While other financial institutions are busy raising their variable interest rates, we’re bringing them down, offering you the lowest variable rates on the market.

The Mortgage House Advantage Home Loan 80 (PAYG Special No Offset) also brings you a range of flexible features to give you a headstart in realising your homeownership goals!

With no monthly fees, loan portability, loan switching and redraw facility, this lower than low variable rate loan offers perfect flexibility for first home buyers and second home buyers alike, as well as investors and those looking to refinance.

Find out how a super low variable rate could change the way you move.

$0 Monthly Fees

All those pesky fees add up! The Mortgage House Advantage Home Loan 80 (PAYG Special No Offset) lets you save on monthly fees because there aren’t any!

Loan Portability

Moving house down the track is easy with loan portability that allows you to simply transfer your loan to your new property so you can continue to take advantage of flexible features and a super low variable rate.

Switching Costs

There’s nothing to lose, only savings to be made. Refinance your current variable home loan with us and we’ll pay up to 100%* of the switching costs for you.

Redraw Facility

Access your money when you need it with free, unlimited redraws that provide flexibility and allow for unexpected events.

Repayments Calculator

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

Principal
& Interest

Interest Only

Your Repayments

  • Weekly
  • Fortnightly
  • Monthly

$1,798.65 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.

  •  
    Interest
    Rate
    Comparison
    Rate
    The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments.
  • Owner Occupied
    3.64% p.a.
    3.68% p.a.
  • Minimum Loan Size
    $300,000.00
  • Maximum Loan Size
    No Maximum
  • Maximum LVR
    80%
  • Redraw Facility
    Yes
  • No Monthly Fees
    Yes
  • Internet Access
    Yes
  • Phone Access
    Yes
  • Repayment Required
    Yes
  • Loan Switching
    Yes
  • Deposit Bond
    Yes
  • Loan Portability
    Yes
Fees
  • Monthly Fee
    No monthly fee
     
  • Package Fee
    No package fee
     
  • Rate Lock Fee
    No rate lock fee
     
  • Application Fee
    No application fee
     
  • Valuation Fee
    Up to $300 free¹
     
  • Settlement Fee
    $200
     
  • Discharge Fee
    $450
     

Why choose us

We are award winning lending specialists since 1986

Our latest awards include:

Mortgage Award
2015
CANSTAR Fixed Rate Home Loans Non-Bank of the Year
Mortgage Award
2014
CANSTAR Fixed Rate Home Loans Non-Bank of the Year
Mortgage Award
2014
CANSTAR Fixed Rate Home Loans ADVANTAGE Home Loan - 1 Year Fixed
Mortgage Award
2014
CANSTAR Fixed Rate Home Loans ADVANTAGE Home Loan - 2 Year Fixed
Mortgage Award
2014
CANSTAR Fixed Rate Home Loans ADVANTAGE Home Loan - 3 Year Fixed
Mortgage Award
2014
CANSTAR Fixed Rate Home Loans ADVANTAGE Home Loan - 5 Year Fixed

What people are saying

“Very Satisfied Customer”

I refinanced and the process couldn’t have gone more smoothly, great communication throughout the process made it stress free. All staff very professional and made jargon easy to understand. Not to mention a great highly competitive variable rate that the other lenders couldn’t match. Have already highly recommended to friends.

Charlie
Rating: 5/5

“Best Service”

Mortgage House were very helpful. I was extremely nervous about the process of refinancing however, Brij, my consultant made everything easy for me and was really supportive throughout the whole process. The process was also very quick. I would highly recommend Mortgage House.

Mel
Rating: 5/5

“Beyond Excellent”

Thanks Jason Seeto for your excellent customer service and support during my Homeloan application! Definitely recommend you for always going above and beyond expectations and being so easy to deal with. Explaining processes and fine lines in detail, ensuring that all information is understood before signing/proceeding. Thanks heaps and look forward to working with you again in future!

Linda
Rating: 5/5

“Outstanding”

Having been a disgruntled bank customer for many years – I finally made the decision to switch, my only regret is I should have done it years ago. The process to refinance was easy to follow – my lending officer (Kevin Paredes) did an outstanding job, he was clear and concise and was readily available when required. I have already recommended MH to my family and friends & will continue to do so moving forward.

Sam
Rating: 5/5