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Applying for a home loan or refinancing your existing one has never been easier. Do it all online now!

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Together we can consolidate your debts and get YOU back on track.

Take control of your finances and get ahead of the situation with one of the lowest variable home loan rates on the market – our More Freedom Variable Home Loan

Consolidate all of your debts into one easy-to-understand home loan from the comfort of your lounge room. Simplify your life, repayments and savings by reducing the complications of various home loans, credit cards, car loans etc. and take back control.

Discover the best way to reduce your monthly repayments that can save you thousands of $$ over the life of your loan. Take control of your finances with unlimited extra repayments and a free redraw facility.

Don’t take a mortgage holiday and accrue interest with no repayments, consolidate your debt and get ahead of your repayments NOW with a super low variable interest rate.

Consolidating Your Debt Could Make A Difference To Your Life And Your Future.

Convenience & flexibility

With just one loan and single monthly repayments to manage, you can say goodbye to the stress of multiple debts.

Save on Interest

Avoid high-interest repayments on credit card balances, transfer your debt into one low-interest rate home loan and start saving.

Stress-free

Once your home loan is approved all your smaller debts are paid off and closed. You won’t have to worry about a thing.

Up to $1,500* off your loan

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 loan.

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There's Always a Way to consolidate debt with Mortgage House

We know that the world has changed and we’re here to help manage your debts and alleviate some financial pressures. Whether you’re looking to refinance, consolidate your debts or purchase your first home, there has never been a better time to take advantage of our low and award-winning rates. Switch and save today.

LEARN MORE

Download FREE Guide.

Download our free Guide to Debt Consolidation and discover for yourself how easy it is to get back on track and manage your finances.

Download Guide

How To Get The Most Out Of Debt Consolidation:

Consolidate Debt Early

Increase Repayments

Automatic Payments

Repayments Calculator

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.

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  •  
    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 ( variable )
    2.09% p.a.
    2.13% p.a
  • Maximum LVR
    80%
  • Minimum Loan Size
    $150,000.00
  • Maximum Loan Size
    $1,000,000.00
  • Principal & Interest
    Yes
  • Additional Repayments
    Yes
  • Direct Debits
    Yes
  • Salary Credit
    Yes
  • Direct Credits
    Yes
  • Deposit Card
    Yes
  • Bpay In
    Yes
  • No Offset
    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
    $445
     
  • Discharge Fee
    $500
     

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