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Spending season is over, start saving
with up to $1,000˜ off your home loan.

Kickstart your savings this year! Take control of your finances and get ahead with your homeownership dreams with one of the lowest variable home loan rates on the market – our Advantage Home Loan PAYG – Consolidation Special.

Make the most of this opportunity to combine up to three debts into this home loan and enjoy the same low-interest rate. With just one loan and single monthly repayments to manage, you could get back on track with your finances while enjoying your home.

You could combine your debt into a new home loan or refinance and improve your cash flow. Start saving with up to $1,000˜ off your home loan upon settlement. That could help cover your switching costs or legal fees.

The savings continue to add up with a range of flexible features like no monthly fees, loan portability, loan switching and free redraw facility.

Debt Consolidation Could Make A Difference To Your Life And Your Future.

Convenience & flexibility

With just one loan and single monthly repayments to manage, you can say goodbye to the stress of multiple debts.

Save on Interest

Avoid high-interest repayments on credit card balances, transfer your debt into one low-interest rate home loan and start saving.

Up to $1,000˜ off your loan

Get a head start and instantly save up to $1,000˜ off your home loan upon successful settlement.

Stress-free

Once your home loan is approved all your smaller debts are paid off and closed. You won’t have to worry about a thing.

Download FREE Guide.

Download our free Guide to Debt Consolidation and discover for yourself how easy it is to get back on track and manage your finances.

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 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
    3.59% p.a.
    3.62% p.a.
  • Maximum LVR
    80%
  • Minimum Loan Size
    $150,000.00
  • Maximum Loan Size
    No maximum
  • Loan Splitting
    Yes
  • Principal & Interest
    Yes
  • Additional Repayments
    Yes
  • Direct Debits
    Yes
  • Salary Credit
    Yes
  • Direct Credits
    Yes
  • BPAY in
    Yes
  • Redraw Facility
    Yes
  • Internet Access
    Yes
  • Phone Access
    Yes
  • ATM / EFTPOS Debit Card
    Yes
  • Repayment Required
    Yes
  • BPAY out
    Yes
  • Deposit Bond
    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
    $250
     
  • Legal fee
    $395
     
  • Discharge Fee
    $450
     

How To Get The Most Out Of Debt Consolidation:

Consolidate Debt Early

Increase Repayments

Automate Payments

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!

Sam
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