Our super-low rate just got even lower.
Borrow up to 80% of the property price at our lowest variable rate. That’s just the start: make unlimited extra payments without penalties, access the extra payments you’ve made with a redraw facility and don’t worry about monthly fees or package fees because there aren’t any. You could be on your way to paying off your loan faster than you think.
Our Lowest Variable Rate
We’re passing on a rate cut in advance so you can start paying off your home loan as quickly as you want.
Available for New Loans
This limited time offer is available for anyone taking out a new home loan with us, including refinancing from an external lender.
$0 Monthly Fees
No monthly fees or ongoing package fees to pay ever so you can direct every spare dollar into your home loan.
How will the next RBA decision on the cash rate affect your rate?
Cash rate goes down
As we passed on the rate cut to you in advance, ahead of the other lenders, your rate will remain unchanged and you can continue to enjoy our lowest rate.
Cash rate on hold
You’ve given yourself a head start with our early bird rate cut and can continue to enjoy the full benefits of our super-low rate.
Cash rate goes up
You’re already ahead. Our early bird rate reduction stays in place and you continue to enjoy a low, low rate.
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.
-
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. -
Owner Occupied3.29% p.a.3.34% p.a.
-
Maximum LVR80%
-
Minimum Loan Size$150,000
-
Maximum Loan Size$1,500,000
-
Loan SplittingYes
-
Principal & InterestYes
-
Additional RepaymentsYes
-
Direct DebitsYes
-
Redraw FacilityYes
-
Loan SwitchingYes
-
Loan PortabilityYes
-
Salary CreditYes
-
Direct CreditsYes
-
Bpay InYes
-
Internet AccessYes
-
Phone AccessYes
-
Repayment RequiredYes
-
Deposit BondYes
-
Bpay OutYes
- Fees
-
-
Monthly FeeNo monthly fee
-
Package FeeNo package fee
-
Rate Lock FeeNo rate lock fee
-
Application Fee$600 refundable fee*
-
Valuation Fee Up toUp to $300 free¹
-
Settlement Fee$445
-
Discharge Fee$500
-
Legal Fee$395
-
Why choose us
We are award winning lending specialists since 1986
Our latest awards include: