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Applying for a home loan or refinancing your existing one has never been easier. Do it all online now!

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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

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

$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.

    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.
  • 60% LVR
    2.39% p.a.
    2.43%^ p.a.
  • 90% LVR
    2.84% p.a
    3.13%^ p.a.
  • Minimum Loan Size
  • Maximum Loan Size
  • Owner Occupied
  • Principal & Interest
  • Loan Splitting
  • Additional Repayments
  • Redraw Facility
  • Loan Portability
  • Loan Switching
  • Direct Debits
  • Salary Credit
  • Direct Credits
  • Deposit Card
  • Internet Access
  • Phone Access
  • ATM / EFTPOS Debit Card
  • Repayment Required
  • Deposit Bond
  • BPAY in
  • BPAY out
  • Monthly Fee
    No monthly fee
  • Package Fee
    No package fee
  • Rate Lock Fee
    No rate lock fee
  • Application Fee
    $600 refundable fee*
  • Valuation Fee
    Up to $300 free¹
  • Settlement Fee
  • Discharge Fee
  • Legal Fee

We are award winning lending specialists since 1986

Our latest awards include:

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

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.

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!

Rating: 5/5


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.

Rating: 5/5