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Achieve your financial goals sooner!

Whether you’re a first home buyer, looking at refinancing your home loan for a better deal or simply to consolidate your debts into one low-interest home loan, our flexible Advantage Home Loan 80 (PAYG Special Cat 1) Owner Occupied could be for you.

A low variable interest rate is just the start. It’s packed with features that could save you interest and help you pay off your home loan sooner. With a linked 100% Offset Account and a debit card to access your funds anytime, free redraw facility and no penalties for making additional payments – the savings continually add up.

You’ll benefit from low variable interest rate for borrowing up to 80% of the value of the property you are looking to buy and live in. Get a headstart on your financial goals with this great home loan

100% Offset Account

Make your savings work for you. Every dollar saved in this offset account is offset against your home loan balance and reduces the total interest payable.

BPAY

Use BPAY to conveniently schedule your payments in advance, that way you’ll never miss repayments or paying your bills.

Free Redraw Facility

Easily withdraw any additional payments you’ve made above your minimum repayments whenever you need it.

Additional repayments

Make as many extra repayments or lump sum payments as you like without any penalty.

Enquire Now

Repayments Calculator

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.

Enquire Now
  •  
    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
    3.64% p.a.
    3.79% p.a.
  • Maximum LVR
    80%
  • Minimum Loan Size
    $250,000
  • Maximum Loan Size
    No maximum
  • Loan Splitting
    Yes
  • Principal & Interest
    Yes
  • Additional Repayments
    Yes
  • Direct Debits
    Yes
  • Salary Credit
    Yes
  • Direct Credits
    Yes
  • Deposit Card
    Yes
  • Bpay In
    Yes
  • 100% Offset Facility
    Yes
  • Redraw Facility
    Yes
  • No Monthly Fees
    Yes
  • Internet Access
    Yes
  • Phone Access
    Yes
  • ATM / EFTPOS Debit Card
    Yes
  • Repayment Required
    Yes
  • Deposit Bond
    Yes
  • Bpay Out
    Yes
Fees
  • Monthly Fee
    $10
     
  • Package Fee
    No package fee
     
  • Rate Lock Fee
    No rate lock fee
     
  • Application Fee
    No application fee
     
  • Valuation Fee Up to
    Up to $300 free¹
     
  • Settlement Fee
    $250
     
  • 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