Own Your First Home With Just a 5% Deposit
Say goodbye to the 20% rule,
bypass LMI and leap into homeownership
without the burden of massive savings.
Leap into Homeownership Sooner
Have you heard about the 20% deposit rule? We’re breaking it.
As one of the leading lending specialists in Australia, we make homeownership possible with a deposit as low as 5%.
Say goodbye to daunting saving targets. Our 5% deposit offer will make your first home-buying experience
stress-free and more achievable.
So what are you waiting for? See if you qualify today!
Start Your Homeownership Journey Today.
It’s As Easy As 1,2,3:
Apply Online
One of our dedicated First Home Buying Lending Specialists will assist you every step of the way.
Secure Your Dream Home
With as low as a 5% deposit, move into your first home sooner. Mortgage House makes it easy and achievable.
Enjoy Homeownership and Freedom
Say goodbye to the 20% rule and enjoy the freedom and security of owning your first home.
Now is the time to leap into homeownership and secure your future.
Discover the flexible features of our loan products that offer money-saving
and stress-saving benefits to first home buyers.
Download our FREE First Home Buyers Guide
The complete guide to help you learn
the ‘home loan’ lingo, learn if you qualify
for the First Home Owners Grant,
how much you can borrow and tips on buying real estate, property value
and much more with our
exclusive guide.
Pathway Accelerator
The 20% deposit rule is no longer a hurdle. With the Pathway Accelerator, you get access to a 90% LVR home loan, allowing you to step onto the property ladder with a 10% deposit. Make your homeownership
dream a reality faster than you ever thought possible.
Freedom Accelerator
With the Freedom Accelerator, your dream home is within reach. Enjoy the benefits of a 95% LVR, which means you can kickstart your homeownership journey with just
a 5% deposit. Say goodbye to the 20% deposit rule and hello to a new era of possibilities.
Mortgage House Wins Best Low Deposit Loan of the Year in 2024
This year, we secured the Gold Award for Low Deposit Home Loan of the Year for the second consecutive year, highlighting our dedication to making homeownership more accessible for Australians. We’re also Finalists for Excellent Rates & Fees and Outstanding Customer Service for Home Loans, reflecting our commitment to competitive rates, fees, and customer experience.
Why Choose Mortgage House?
Competitive Rates
Our super-low interest rates enable you to save money, achieve your homeownership goals, and live the life you want without compromising your budget.
Personalised Guidance
Our team of lending specialists are committed to providing you with personalised assistance throughout your homeownership journey, guiding you every step of the way to financial success.
Unmatched Savings
Qualifying first home buyers can save on LMI premiums for high LVR Owner Occupied loans with our Freedom Home Loan. Enjoy the advantage of no premium payments, making homeownership more accessible and cost-effective.
Simplify Your Home Loan Journey with Mortgage House
Don’t let the complexities of paperwork and lengthy processes hold you back from owning your first home. Our streamlined online application lets you complete the process quickly and easily, putting you one step closer to achieving your homeownership dreams.
As a first-home buyer, we understand your unique needs and concerns. To expedite your application and provide the best possible assistance, we kindly ask you to answer a few pre-qualifying questions:
1. What is your current employment status?
2. Do you have any savings for a deposit?
3. Have you decided on a preferred location for your first home?
4. Are you familiar with the process of obtaining a home loan?
5. Have you started exploring your borrowing capacity?
Take control of your journey towards homeownership and see if you qualify today.
Apply Online Anytime, Anywhere
Trusted Award-Winning Lender
We’re one of Australia’s most awarded lenders and have been helping Aussies achieve homeownership since 1986.
Pay Off Your Loan Faster
What people are Saying
We have been with Mortgage House for several years and when we decided to refinance the decision to stay with Mortgage House was an easy one. Competitive rates and so amazing to deal with. We worked with Lending Specialist Niran this time who was absolutely fantastic. He kept us updated and informed throughout the process, made the process stress free and was always very polite and happy to explain everything to us!
We have dealt with Mortgage House for a number of years and found them to be extremely helpful in securing a great refinance deal. We have recently undergone an interest rate review and are very pleased with the outcome. Sara and her team were expeditious in their response and robust in securing a very competitive rate, we also received a response from the voice of Mortgage House, ‘Ken Sayer’ adding his personal touch during the process. The whole process was quick and easy and the constant updates from Sara along the way left us feeling confident of a good outcome. Mortgage House have secured us for another few years.