Mortgage House Home Loans

Mortgage House has home loan rates starting from 5.14%.

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Key takeaways

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

Compare Mortgage House home loans for December 2025

5 of 40 results
Finder Score Interest Rate p.a. Comparison Rate p.a. Fees Custom Badges Monthly Payment
Mortgage House logo
Finder score
Mortgage House Chameleon Executive Home Loan
Finder score
Interest Rate
5.14%
Comparison Rate
5.54%
Fees
  • Application: $0
  • Ongoing: $395 p.a.
Principal & Interest40% min. equityOwner-occupierOffset account
Monthly Payment
$820
per month
More info
Compare product selection
Mortgage House logo
Finder score
Mortgage House Chameleon Freedom Home Loan
Finder score
Interest Rate
5.39%
Comparison Rate
5.43%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest40% min. equityInvestment
Monthly Payment
$843
per month
More info
Compare product selection
Mortgage House logo
Finder score
Mortgage House Chameleon Executive Home Loan
Finder score
Interest Rate
5.14%
Comparison Rate
5.18%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest40% min. equityOwner-occupier
Monthly Payment
$820
per month
More info
Compare product selection
Mortgage House logo
Finder score
Mortgage House Chameleon Executive Home Loan
Finder score
Interest Rate
5.19%
Comparison Rate
5.23%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest20% min. equityOwner-occupierNo LMI
Monthly Payment
$824
per month
More info
Compare product selection
Mortgage House logo
Finder score
Mortgage House Chameleon Executive Home Loan
Finder score
Interest Rate
5.59%
Comparison Rate
5.63%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest40% min. equityInvestment
Monthly Payment
$862
per month
More info
Compare product selection
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Showing 5 of 40 results

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).

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Sources

What is Finder Score?

The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.

Read the full breakdown

Richard Whitten's headshot
Senior Money Editor

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 688 Finder guides across topics including:
  • Home loans
  • Credit cards
  • Personal finance
  • Money-saving tips

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4 Responses

    Default Gravatar
    LoreenJune 15, 2022

    I am looking for a 90% loan within SMSF. Is there any lender that can offer this.
    thanks

      Richard Whitten's headshotFinder
      RichardJune 19, 2022Finder

      Hi Loreen,

      You can check our guide on SMSF Home Loans to see your options and learn how this type of loan works.

      It is also worth seeking professional advice from a mortgage broker to get personalised advice regarding your situation. Their services are free, and they can help you find a suitable lender to work with. Simply fill out the form found on the link.

      I hope this helps!

      Regards,
      Richard

    Default Gravatar
    JasonNovember 17, 2021

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

      Richard Whitten's headshotFinder
      RichardNovember 20, 2021Finder

      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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