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Cash When You Need It Most

Whatever your needs, whether it’s to accomplish a lifelong dream or to cover an emergency, we’re here to help. Our personal loans are quick and easy, and come with loads of interest-saving features.

Why Choose a Mortgage House Personal Loan

Take a month off

Need to help with your cash flow? Easy. Take a month off with the flexibility of our fail-safe redraw facility when you’ve made extra repayments.

Borrow a little extra

Get the funds you need and add a little more to your loan to make the most of the extra cash. Spend on what you like or let it act as a cushion if costs go over.

24-hour approvals

When you have all your documents and your application ready to go, we won’t hold you up - you could get your personal loan ready to pay for those important life moments.

Bundle and save even more

Mortgage House customers benefit from discounted low rates, and you can too. When you take out a personal loan, we can offer great discounts on our home loans if you're looking to refinance or purchase a new home.

Personal Loans For Your Needs

Some occasions are a once-in-a-lifetime event, like organising a wedding or a milestone birthday or anniversary for a loved one. Don’t let your cash flow situation hold you back from making the celebration perfect.

A personal loan from Mortgage House can help you fulfil your dreams without having to wait.

A personal loan from Mortgage House can help you fulfil your dreams without having to wait.
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If your house isn’t perfect but the location is, you may want or need to renovate. While you’re transforming your place into your dream home, the renovations you make could also increase your property value.

You don’t have to put your plans on hold due to lack of funds. A Mortgage House personal loan can help you get your renovations underway in no time.

You don’t have to put your plans on hold due to lack of funds. Our personal loan can help you get your renovations underway in no time at all.
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When you want the holiday of a lifetime, or you need to catch a last-minute flight, putting it on a credit card may seem the easy option, but it will likely cost you high interest if it’s not paid off within interest-free days.

A personal loan may be the better option. With a much lower interest rate and a definite period to pay off the loan, you can book the holiday now and pay it off with easy-to-manage repayments.

A personal loan may be a better option. With a much lower interest-rate and a definite period to pay off the loan, you can have that holiday now and pay it off with easy-to-manage repayments.
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Getting overwhelmed by the amount of bills you have to manage? A credit card may seem the easier solution, but unlike personal loans, credit cards are best kept for short-term expenses. Personal loans are better to pay off debts over a longer period of time.

Using a personal loan to consolidate debts could reduce the amount of interest payable and lower your monthly repayments. Start saving with a debt consolidation personal loan and get your finances back under control.

Using a personal loan to consolidate debts can significantly lower the amount of interest payable and your monthly repayments. Start saving with a debt consolidation personal loan and get your finances back under control.
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Life can be full of surprises. In situations where you need sudden help, you can access cash to alleviate any financial stress.

A personal loan can help you with the necessary funds you need, giving you the flexibility to gradually pay off the loan as you get back on your feet.

In situations like these you may not have sufficient funds to tide you over, only adding to the stress. That’s where our personal loan can help you with the necessary funds you need. This gives you the flexibility to gradually pay off the loan as you get back on your feet.
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Getting a new car is an exciting prospect for many Australians, whether it’s to accommodate an expanding family, to upgrade to a newer, safer and more economical model, or simply because you want to!

With our personal car loans, there’s no deposit necessary, so you can get from A to B in style. Need it quickly? If you have all documentation and your application ready for us, you could be ready to purchase your car the very same day.

Our personal loan can help you pay for the car if you don’t have the funds right now. With our low-interest personal loan you can have the house and a car to put in the garage!
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Personal Loan Repayment 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?
$

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.

About Personal Loans

Am I eligible for a Personal Loan?

Whether you’re looking to consolidate your debts, buy a car or go on a holiday, a personal loan can give you fast and easy access to extra funds. You can apply for a personal loan if you have a current home loan with any lender. It’s even better for existing Mortgage House home loan customers, who can get a personal loan quickly with less paperwork needed.

Am I eligible for a Car Loan?

When you rely heavily on your car, sometimes you need a new one sooner, rather than later. The good news is, we can help you have it when you need it. As long as you’re currently paying off a home loan with any lender, it’s easy to apply for a car loan with a great rate through Mortgage House.

What are the benefits of a Personal Loan?

A Personal Loan is suitable for those looking for extra funds quickly and easily, without the high interest rates usually associated with credit cards. With a much lower interest rate, fixed repayments and a longer period to pay off the loan, a personal loan can improve your cash flow and over time, even your credit rating.

How quickly can I get the funds?

Once your Personal Loan has been approved you should receive the funds in your nominated account within 4 business days.

Can I pay off a Personal Loan quicker?

Yes, key loan features including an offset account and redraw facility could save you a significant amount of interest over the term of your loan and help you pay off your loan sooner. Credit your salary into the offset account and it will help reduce your loan balance and the interest payable. Any extra repayments you make into your loan above the required minimum will also reduce the balance and can be accessed when needed using the redraw facility.

Is a Personal Loan right for me?

Our Personal Loan can help you get what you want, without the wait. It is suitable for those seeking extra funds quickly and easily with the convenience and flexibility to make regular low-interest repayments to pay off the loan within a set period. It is suitable for a wide range of purposes including: consolidating multiple debts into one regular repayment, buying a boat or car, funding home renovations, investments, education and more.

Benefits of Being a Mortgage House Customer

  • Quick and easy application process with less paperwork needed
  • Unlimited and free redraws of additional repayments
  • Variable and Fixed Rates with no penalties on fixed rate loans
  • Innovative online services designed to assist you

Thinking About a Home Loan?

Looking at refinancing your home loan to get a better deal? Our super-low home loan rates and money-saving features could lower your monthly repayments and give you more financial flexibility.

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Our Home Loans Start From:

% p.a
Variable Rate
% p.a
Variable Rate