Mortgage House Fix and Save home loan

Lock in a super-competitive fixed rate home loan with a deposit as low as 5%, and enjoy being able to make extra repayments and pay your home loan off even faster.

With the ability to make extra repayments – a rare feature on a fixed-rate mortgage – the Mortgage House Fix and Save home loan offers the flexibility to repay your home loan faster along with ultra-low interest rates. You can borrow with a deposit as low as 5%, helping you buy a home or refinance with a smaller deposit, so you can access finance sooner. This loan is available for homebuyers and refinancers seeking a principal and interest loan, and they even allow you to redraw your additional repayments.

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Review by


A finance and property journalist of more than 15 years, Sarah is the Senior Editor for Home Loans at Finder. She was previously the Managing Editor of Your Investment Property magazine, Australian Broker magazine, and Your Mortgage, a home loan comparison site. She has written for The Sydney Morning Herald, Canstar, Bupa, Mamamia, Kidspot, Jetstar, Tourism Australia, and she has ghostwritten or edited over 20 books. Sarah also has a Bachelor of Arts in Communication from Griffith University. As a home loans expert, she is a regular media commentator and has a wealth of experience around mortgages, managing money and investing in real estate. Sarah is passionate about showing Australians how to make their money work harder.

Expert review

When you take out a fixed-rate home loan, it’s rare to have the ability to make extra repayments and access those repayments via redraw. That’s one of the main benefits of the Mortgage House Fix and Save home loan. When you lock in a 1-year, 2-year or 3-year fixed rate term, you can make additional repayments and if an emergency arises, you can withdraw those funds when you need them.

When you apply for the loan, your property valuation is free (up to $300). If the valuation costs more than this for any reason (for instance, if it’s an unusual or complicated home that requires a more detailed valuation), you will be required to pay the excess.

You can apply for this home loan with a deposit as low as just 5%, making it suitable for homebuyers and refinancers who don’t have a huge amount of savings or equity built up, but who are ready to take action and lock in a great low-rate loan.

About this loan

What are the features and benefits of the Mortgage House Fix and Save home loan – Fixed?

  • Low interest rate. The Mortgage House Fix and Save home loan offers a very low interest rate for owner-occupier homebuyers and refinancers. Borrowers can lock in a principal and interest loan type, but note that this loan is not available on interest-only repayments.
  • Loan-to-value ratio. You can borrow up to 95% of your property's value.
  • Features. This loan lets you make extra repayments, meaning you can redirect extra money into the loan to pay it off sooner. It also has a redraw facility, so you can access those extra repayments if needed.
  • Fees. The loan has an application fee, an annual package fee and a settlement fee. The initial valuation fee is also free (up to $300).

How to apply

If you'd like to apply for this home loan or just get more information, click the green button and follow the application process to speak to a Mortgage House mortgage specialist.

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