Fast track your way into your very own home.
Get a head start with your property goals no matter what your deposit size. Now you can enjoy the same super-low variable rate and borrow up to 95% of the property price with our Prime Essentials home loan for owner-occupiers.
Furthermore, interest-saving features like redraw facility and the freedom to make extra payments without any penalties can help you pay off your loan as quickly as possible.
Redraw Facility
Free unlimited redraws give you easy access to the additional payments you’ve made above your minimum repayments.
$0 Monthly Fees
No monthly fees or ongoing package fees to pay ever so you can direct every spare dollar into your home loan.
Loan Switching
Don’t worry when interest rates rise, simply switch from your current variable rate to a fixed rate for peace of mind.
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 Occupied3.54% p.a.3.62% p.a.
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Maximum LVR95%
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Minimum Loan Size$150,000
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Maximum Loan Size$1,000,000
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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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Redraw FacilityYes
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Loan SwitchingYes
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Loan PortabilityYes
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Salary CreditYes
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Direct CreditsYes
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Bpay InYes
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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 Fee$600 refundable fee*
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Valuation Fee Up toUp to $300 free¹
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Settlement Fee$445
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Discharge Fee$500
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Legal Fee$395
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Why choose us
We are award winning lending specialists since 1986
Our latest awards include: