Mortgage House

Mortgage House Home Loans

Mortgage House has home loan rates starting from 1.94%.

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Mortgage House offers a range of home loans for Australian borrowers. Check out the full table of Mortgage House products below or read more about the lender.

Compare Mortgage House home loans for January 2022

$
years
Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment

Mortgage House Lifestyle First Refinancer Special Home Loan P&IHome≥ 20% Deposit

Mortgage House Lifestyle First Refinancer Special Home Loan
1.94%
1.98%
  • App: $0
  • Ongoing: $0 p.a.
$552
This loan offers owner-occupiers a low interest rate and minimal upfront fees. Requires a 20% deposit.

Mortgage House Advantage Home Loan P&IHome≥ 20% Deposit

Mortgage House Advantage Home Loan
2.54%
2.58%
  • App: $600
  • Ongoing: $10 per month
$597
A competitive variable rate for home buyers with a 20% deposit. This product has a 100% offset account.

Mortgage House Advantage Home Loan P&IHome≥ 30% Deposit

Mortgage House Advantage Home Loan
2.79%
2.83%
  • App: $600
  • Ongoing: $10 per month
$617
A very low variable interest rate for home buyers with a 30% deposit. This product has a 100% offset account.

Mortgage House Advantage Investment P&IInvestment 1Y Fixed≥ 20% Deposit

Mortgage House Advantage Investment
2.44%
3.11%
  • App: $0
  • Ongoing: $10 per month
$590
This fixed investment loan has a 100% offset account. Principal-and-interest repayments. Requires a 20% deposit.

Mortgage House Fix and Save P&IHome 3Y Fixed≥ 5% Deposit

Mortgage House Fix and Save
1.99%
3.19%
  • App: $600
  • Ongoing: $395 p.a.
$555
Lock in a competitive rate for 3 years. Available with a 5% deposit.
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Mortgage House key facts

  • It's a customer-owned non-bank lender based in Sydney.
  • It home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as insurance, car and personal loans.

Mortgage House home loan features

Here are the key features and details you need to know about Mortgage House's mortgage products.

FeatureDetails
Minimum depositIt is possible to get a home loan with a deposit as low as 5%.
Offset accountYou can get an offset account with several of its loans.
Repayment optionsMany of its home loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.

How do I apply for a mortgage from Mortgage House?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.

Eligibility

The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Mortgage House you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tic:Toc. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.

More guides on Finder

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2 Responses

    Default Gravatar
    JasonNovember 17, 2021

    I’m looking for an lender that does SMSF home loans?

      Avatarfinder Customer Care
      RichardNovember 20, 2021Staff

      Hi Jason,

      At this time, there are a few lenders still that offer SMSF home loans. You can check our guide here for options. Alternatively, you can reach out to a mortgage broker that could help you find suitable products from specialist lenders.

      Regards,
      Richard

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