A lower rate can take years off the life of your loan.
Stop paying unnecessary interest with our Advantage Home Loan (Special – PAYG), complete with interest-saving features to help you save even more.
Perfect for owner-occupiers, this loan allows you to borrow up to 90% of the property value with the flexibility to make extra repayments and access additional funds through a redraw facility. You’ll save on more than interest with no monthly fees or ongoing package fees.
Plus, special Double Down savings offer for refinancers:
Bring your loan over to us and receive up to $1,500* cashback on your refinanced loans after settlement.
Secure the home loan that could save you thousands.
Special Low Rate
Take advantage of this super-low rate and you could save thousands over the life of your loan.
Flexible Features
Take advantage of flexible features to make life easy, including additional repayments, redraw facility, loan switching and loan portability.
$0 Monthly Fees
No monthly fees or ongoing package fees to pay (ever), so you can direct every spare dollar into your home loan.
Up to $1,500* Cashback
Refinance with us, and Double Down on savings. The longer you have been with your current lender, the bigger the cashback on your refinanced home loans*.
Repayments Calculator
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.
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Interest
RateComparison
RateThe 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. -
60% LVR2.39% p.a.2.43%^ p.a.
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90% LVR2.84% p.a3.13%^ p.a.
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Minimum Loan Size$150,000.00
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Maximum Loan Size$5,000,000.00
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Owner OccupiedYes
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Principal & InterestYes
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Loan SplittingYes
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Additional RepaymentsYes
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Redraw FacilityYes
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Loan PortabilityYes
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Loan SwitchingYes
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Direct DebitsYes
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Salary CreditYes
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Direct CreditsYes
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Deposit CardYes
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Internet AccessYes
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Phone AccessYes
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ATM / EFTPOS Debit CardYes
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Repayment RequiredYes
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Deposit BondYes
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BPAY inYes
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BPAY outYes
- Fees
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Monthly FeeNo monthly fee
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Package FeeNo package fee
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Rate Lock FeeNo rate lock fee
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Application Fee$600 refundable fee*
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Valuation FeeUp to $300 free¹
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Settlement Fee$250
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Discharge Fee$500
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Legal Fee$395
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We are award winning lending specialists since 1986
Our latest awards include: