Apply Anywhere, Anytime!

Apply Online

Request a Call Back
From a Lending Specialist

  • One of our loan specialists will contact
    you by phone at a time thats convenient for you

When you combine security, peace of mind and
a low interest rate in one convenient home loan, there’s always a way.

Our Switch and Save Special- 3yr Fixed Home Loan allows you to borrow up to 80% of the property price. Switch now and save $$ every month. Avoid the stress of rate rises or a volatile market and lock in a super low fixed rate TODAY.

Your fixed-rate is paired with flexible home loan features including additional repayments and redraw facility. No monthly fees or ongoing package fees, meaning you pay less and can actually pay off more of your home loan.

On an average $400,000 home loan, you could save $472* a month by reducing your interest rate from 4.34% to 2.19% from the comfort of your lounge room over the life of a 30-year loan. Imagine the difference to your bank account EVERY month!

Plus, take advantage of our 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. The longer you’ve been with your lender, the more you save.

At Mortgage House, there’s always a way to save on your home loan and get ahead in these tough times.

With fixed interest rates this low, there’s always a way!

Low Fixed Rate

Lock in this super-low rate for 3 years so you can budget accordingly and avoid the stress of a sudden rate rise.

Additional Repayments

A fixed rate loan with the flexibility of a variable rate loan allows you to make additional repayments and own your home sooner.

Redraw Facility

A Redraw facility gives you easy access to additional payments you’ve made above your minimum repayments.

$0 Monthly Fees

Avoid unnecessary costs with no monthly fees or ongoing package fees (ever) so you can direct every spare dollar into actually paying off your home loan.

There's Always a Way to refinance 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

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 to refinance 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.

  •  
    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 (3yr Fixed)
    2.44% p.a.
    2.60% p.a.
  • Owner-Occupied (5yr Fixed)
    2.99% p.a.
    2.88% p.a.
  • Maximum LVR
    80%
  • Minimum Loan Size
    $150,000.00
  • Maximum Loan Size
    $5,000,000.00
  • Loan Splitting
    Yes
  • Principal & Interest
    Yes
  • Additional Repayments
    Yes
  • Direct Debits
    Yes
  • Salary Credit
    Yes
  • Direct Credits
    Yes
  • Deposit Card
    Yes
  • Bpay In
    Yes
  • Bpay Out
    Yes
  • Redraw Facility
    Yes
  • No Monthly Fees
    Yes
  • Internet Access
    Yes
  • Phone Access
    Yes
  • ATM / EFTPOS Debit Card
    Yes
  • Repayment Required
    Yes
  • Deposit Bond
    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
     
  • 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