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From a Lending Specialist

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    you by phone at a time thats convenient for you

Be in the property market with a lower rate that could take years off the life of your loan.

Stop paying unnecessary interest, with our The Essentials Low Rate Home Loan, complete with interest-saving features to help you save even more.

Perfect for owner-occupiers, this loan allows you to borrow up to 80% or 60% of the property value with the flexibility to make extra repayments and access additional funds through a redraw facility. You’ll save on more than interest with no monthly fees or ongoing package fees.

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 ready, there’s a way to purchase your new home or refinance and own your home sooner!

Secure the home loan that could save you thousands.

Special Low Rate

Be in the property market with this super-low rate and you could save thousands over the life of your loan.

Flexible Features

Take advantage of flexible features to make life easy, including additional repayments, redraw facility, loan switching and loan portability.

$0 Monthly Fees

No monthly fees or ongoing package fees to pay (ever), so you can pay less each month and 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.

There's Always a Way with Mortgage House

The homebuying season is here, and the slowdown in the property market makes it a buyers paradise. Whether you’re looking at buying your first home, upsizing or investing in property, together, we can make your homeownership dreams a reality.

  •  
    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.
  • 60% LVR
    2.99% p.a.
    3.02%^ p.a.
  • 80% LVR
    3.09% p.a
    3.12%^ p.a.
  • Minimum Loan Size
    $150,000.00
  • Maximum Loan Size
    $5,000,000.00
  • Owner Occupied
    Yes
  • Principal & Interest
    Yes
  • Loan Splitting
    Yes
  • Additional Repayments
    Yes
  • Redraw Facility
    Yes
  • Loan Portability
    Yes
  • Loan Switching
    Yes
  • Direct Debits
    Yes
  • Salary Credit
    Yes
  • Direct Credits
    Yes
  • Deposit Card
    Yes
  • Internet Access
    Yes
  • Phone Access
    Yes
  • ATM / EFTPOS Debit Card
    Yes
  • Repayment Required
    Yes
  • Deposit Bond
    Yes
  • BPAY in
    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 $300 free¹
     
  • Settlement Fee
    $250
     
  • Discharge Fee
    $500
     
  • Legal Fee
    $395
     

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!

Sam
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