Take your first step into the property market with confidence
Buying your first home is a dream come true for many. 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 Affordable First Home Buyer Special (Owner-Occupied) home loan giving you a head start.
Our competitive low rate is just the beginning. With no application 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
No monthly fees to pay ever so you can direct every spare dollar into your home loan and own your investment sooner.
Redraw Facility
Free unlimited redraws gives you easy access to the additional payments you’ve made above your minimum repayments.
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.
Unlimited Extra Repayments
Make unlimited extra repayments or lump sum payments at anytime to pay down your loan faster, without any penalties.
Let our super-low rate home loan give you a
head start at living the life you want.
head start at living the life you want.
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. -
Owner Occupied3.29% p.a.3.33% p.a.
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Maximum LVR80%
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Minimum Loan Size$150,000.00
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Maximum Loan Size$500,000.00
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Loan SplittingYes
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Principal & InterestYes
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Additional RepaymentsYes
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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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Bpay InYes
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Redraw FacilityYes
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No Monthly FeesYes
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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 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 FeeNo application fee
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Valuation FeeUp to $300 free¹
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Settlement Fee$250
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Discharge Fee$450
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We are award winning lending specialists since 1986
Our latest awards include: