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Mortgage House Home Loans

Mortgage House has home loan rates starting from 3.44%.

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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 August 2022

1 - 5 of 11
Name Product Comparison Rate Fees Monthly Payment

Mortgage House Advantage Essentials Home Loan
Principal & interestOwner-occupier20% min. deposit
Principal & interestOwner-occupier20% min. deposit
Interest Rate
  • Application: $0
  • Ongoing: $10 per month
Get a competitive interest rate and 100% offset account if you have an LVR under 80%.

Mortgage House Advantage Variable Home Loan
Principal & interestOwner-occupier20% min. deposit
Principal & interestOwner-occupier20% min. deposit
Interest Rate
  • Application: $300
  • Ongoing: $0 p.a.

Principal & interestInvestment
Interest Rate
  • Application: $300
  • Ongoing: $0 p.a.

Interest onlyInvestment
Interest Rate
  • Application: $0
  • Ongoing: $0 p.a.

Mortgage House Advantage Fixed Rate Home Loan
Principal & interestOwner-occupier 1Y Fixed10% min. deposit
Principal & interestOwner-occupier 1Y Fixed10% min. deposit
Interest Rate
  • Application: $0
  • Ongoing: $10 per month

Compare up to 4 providers

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.

Review by our senior home loans writer Richard Whitten

Mortgage House home loan features

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

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.


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

Home Loan Offers

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4 Responses

  1. Default Gravatar
    LoreenJune 15, 2022

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

    • Avatarfinder Customer Care
      RichardJune 19, 2022Staff

      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!


  2. 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.


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