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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.

ENQUIRE NOW

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.

Plus, special Double Down savings offer for refinancers:
Bring your loan over to us and receive up to $1,500* cashback on your refinanced loans after settlement.
Get started and realise your homeownership dreams today.

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.

Up to $1,500* Cashback

Refinance with us, and Double Down on savings. The longer you have been with your current lender, the bigger the cashback on your refinanced home loans.

Repayments Calculator

The interest rate for the loan.
% p.a.
What is the length of time to repay the loan?
years
How much do you want to borrow?
$
What is the type of the loan?

Principal
& 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.

  •  
    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
    3.29% p.a.
    3.34% p.a.
  • Maximum LVR
    80%
  • Minimum Loan Size
    $150,000
  • Maximum Loan Size
    $1,500,000
  • Loan Splitting
    Yes
  • Principal & Interest
    Yes
  • Additional Repayments
    Yes
  • Direct Debits
    Yes
  • Redraw Facility
    Yes
  • Loan Switching
    Yes
  • Loan Portability
    Yes
  • Salary Credit
    Yes
  • Direct Credits
    Yes
  • Bpay In
    Yes
  • Internet Access
    Yes
  • Phone Access
    Yes
  • Repayment Required
    Yes
  • Deposit Bond
    Yes
  • Bpay Out
    Yes
Fees
  • 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
    $445
     
  • Discharge Fee
    $500
     
  • Legal Fee
    $395
     

Why choose us

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!

Linda
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