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Here's why we were in the news

Whether you’re dreaming of owning your own home or refinancing to lower your repayments, this rate cut could be the key. Watch the channel 10 news clip and learn what a difference this rate cut can mean for you and your family.


Our super-low rate just got even lower.

The RBA has reduced the cash rate, so it’s the perfect time to take full advantage of a super-low rate with the Home Loan Prime – Rate Cut Special.

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.

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.
  • Owner Occupied
    3.29% p.a.
    3.34% p.a.
  • Maximum LVR
  • Minimum Loan Size
  • Maximum Loan Size
  • Loan Splitting
  • Principal & Interest
  • Additional Repayments
  • Direct Debits
  • Redraw Facility
  • Loan Switching
  • Loan Portability
  • Salary Credit
  • Direct Credits
  • Bpay In
  • Internet Access
  • Phone Access
  • Repayment Required
  • Deposit Bond
  • 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
    Up to $300 free¹
  • Settlement Fee
  • Discharge Fee
  • Legal Fee

Why choose us

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