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Get into Your First Home Sooner!

Buying your first home may seem daunting but when you have the right home loan that offers the perfect combination of a low rate, low fees and interest-saving loan features, it can make all the difference. Take your first step into the property market with our Advantage Home Loan 80 (PAYG Special No Offset).

Our competitive low rate is just the beginning. With no application fee, no package fee and no monthly fees to pay ever, you could save thousands over the life of your loan! Plus you have the freedom to make additional repayments at any time, without any penalties, with a free redraw facility giving you unlimited access to the extra funds when needed.

 

$0 Monthly Fees

More money in your pocket for things you enjoy doing, with no application fee, no package fee and no monthly fees to pay ever.

Redraw Facility

Free unlimited redraws gives you easy access to the additional payments you’ve made above your minimum repayments.

Loan Switching

Breathe easy. No need to worry when interest rates rise, instantly switch from your current variable rate to a fixed rate for peace of mind.

Loan Portability

Ready to move? Simply transfer your loan to your new property so you can continue to take advantage of the same flexible features and low rate.


We can help you get into your first home even with a small deposit

Don’t quite have a 20% deposit saved up? We want to help first home buyers get a head start into the property market.
Talk to us about our 5% deposit HOT home loan offer and get into your first home sooner.

 

  •  
    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.
    3.67% 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
  • Redraw Facility
    Yes
  • Internet Access
    Yes
  • Phone Access
    Yes
  • Repayment Required
    Yes
  • Loan Switching
    Yes
  • Deposit Bond
    Yes
  • Loan Portability
    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
     
  • Discharge Fee
    $450
     

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