Mortgage House Home Loans

Rates and Fees verified correct on March 28th, 2017
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Speak to a Mortgage House home loan consultant or mortgage broker today and find the best home loan for you.

Mortgage House is a leading non-bank home loan brand in Australia. It began operations as a mortgage broker in 1986, and now has more than 25 home loan centres across Australia offering customers an array of products and services.

Mortgage House gives its customers numerous mortgage options to choose from, including home loans for first home buyers and refinancers, property investors and people wanting to construct their homes. Mortgage House also offers options for home renovations and its portable home loans give people the ability to move with their mortgages.

Compare Mortgage House home loans

Rates last updated March 28th, 2017
Loan purpose
Offset account
Loan type
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Mortgage House Advantage Essentials Home Loan - 80% LVR
Get a competitive interest rate and 100% offset account if you have an LVR under 80%.
3.82% 3.96% $0 $10 monthly ($120 p.a.) 80% More info
Mortgage House Advantage Fixed Rate Home Loan - 3 Year Fixed (Owner Occupier)
Lock in a comparison rate for 3 years and enjoy a 100% offset account and no annual fees.
4.48% 4.69% $0 $10 monthly ($120 p.a.) 90% More info
Mortgage House Advantage Fixed Rate Home Loan - 5 Year Fixed (Owner Occupier)
A 5 year fixed rate for owner occupiers with a 100% offset account.
4.70% 4.72% $0 $10 monthly ($120 p.a.) 90% More info
3.99% 4.15% $300 $10 monthly ($120 p.a.) 80% More info
3.99% 4.15% $300 $10 monthly ($120 p.a.) 70% More info
5.77% 5.92% $300 $10 monthly ($120 p.a.) 70% More info
Mortgage House Advantage Fixed Rate Home Loan - 4 Year Fixed (Owner Occupier)
A competitive 4 years fixed rate with redraw facility and split options.
4.60% 4.70% $0 $10 monthly ($120 p.a.) 90% More info
4.75% 4.84% $300 $10 monthly ($120 p.a.) 90% More info
4.63% 4.82% $300 $10 monthly ($120 p.a.) 90% More info
Mortgage House Advantage Fixed Rate Home Loan - 2 Year Fixed (Owner Occupier)
Borrow up to 90% LVR and enjoy a low interest rate and no ongoing fee.
4.35% 4.68% $0 $10 monthly ($120 p.a.) 90% More info
4.50% 4.81% $300 $10 monthly ($120 p.a.) 90% More info
Mortgage House Advantage Fixed Rate Home Loan - 1 Year Fixed (Owner Occupier)
Enjoy the low interest rate along with a 100% offset account and redraw facility.
4.17% 4.51% $0 $10 monthly ($120 p.a.) 90% More info
4.32% 4.79% $300 $10 monthly ($120 p.a.) 90% More info
4.44% 4.34% $0 $0 p.a. 80% More info
5.07% 5.52% $300 $0 p.a. 80% More info
5.25% 5.79% $300 $0 p.a. 80% More info
5.54% 5.54% $0 $0 p.a. 95% More info
5.38% 5.74% $300 $0 p.a. 80% More info
5.60% 5.77% $300 $0 p.a. 80% More info
3.49% 3.49% $0 $0 p.a. 30% More info
4.19% 4.33% $0 $10 monthly ($120 p.a.) 80% More info
3.74% 3.89% $0 $10 monthly ($120 p.a.) 80% More info

Home loans offered by Mortgage House

Advantage home loan

This is a variable rate home loan that is suited for purchase, refinance, construction and debt consolidation. It allows additional repayments and has principal and interest and interest-only payment options. Direct debits and salary credits are an option, and it also includes redraw and offset facilities. In addition, the loan can be split between fixed and variable rates, carries no monthly fees. However, the loan does require an application fee.

Advantage Fixed rate home loan - 1, 2, and 3 years

These fixed rate loans can be split between variable and fixed rates. They allow direct debits, salary credits and offer offset and redraw facilities. As with the Advantage home loan, these loans are suitable for purchase, refinance, construction and debt consolidation. These loans do not attract monthly fees, but require an application fee.

Conservative Private home loan

The Conservative Private home loan is ideal for owner-occupiers as well as people who wish to consolidate their debts. This loan comes with a debit card and allows BPay payments. It allows direct debits and salary credits along with additional repayments and loan splitting, and comes with redraw and offset facilities. It attracts an application fee but carries no monthly fees.

Other home loans

Mortgage House also offers its customers a Toggle Offset Home Loan and a Line of Credit Home Loan. The Toggle Offset Home Loan splits the loan into fixed and variable components, each with its own offset account, allowing you to switch between the two offset accounts in accordance with ongoing interest rates. This loan comes with a Visa card. The Line of Credit Home Loan offers the choice between interest-only and principal and interest repayments. It comes with redraw and offset facilities and also includes the toggle feature.

About how to compare home loans

How to apply for a Mortgage House home loan

If you’d like to apply for a Mortgage House home loan, please contact a mortgage broker.

Documents needed to apply for a Mortgage House home loan

Personal information

To apply for a home loan with Mortgage House you have to provide documents that verify your identity. Documents that help establish your identity include:

  • Passport
  • Driver’s licence
  • Medicare card

Property information

In addition to verifying your identity, Mortgage House also requires paperwork relating to the property in question in order to establish ownership. To complete this stage you may have to submit one or more of the following:

  • Copy of certificate of title
  • Copy of contract of sale
  • Copy of transfer of land

Financial information

To establish your ability to make repayments, Mortgage House goes through your financial information to determine how much you can borrow. You will have to submit the following information:

  • Details of all your liabilities, including credit cards, personal loans, car loans and leases.
  • Details surrounding your assets, including your savings, investments and noteworthy possessions.
  • Income-related information from all sources.
  • As detailed a list as possible of your recurring monthly expenses.

While the home loans offered by Mortgage House do offer some very good alternatives, make sure to base your home loan search on your individual requirements and compare a number of home loans.

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This page was last modified on 5 October 2016 at 3:01pm.

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