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Mortgage House Home Loans

Mortgage House is one of Australia’s fastest growing non-bank lenders. Since opening its doors in 1986, Mortgage House has expanded its network to include over 30 nationwide Home Loan Centres. Mortgage House provides its customers with a broad range of home loans. This lender has won numerous awards for its loan products and customer service, including the Your Mortgage Award for Best 3 Year Fixed Loan in the non-bank category as well as Best Customer Service in the Australian Mortgage Awards.

Mortgage House Home Loan Calculator  
Interested in a Mortgage House home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Mortgage House compares to its competitors. Simply plug in your borrowing amount below.

Mortgage House Vantage Offset Loan

The Mortgage House Vantage Offset Loan lets you borrow up to 90 per cent of the property value and has no ongoing monthly or annual fees. This loan is suitable for borrowers wanting to refinance their existing home, purchase their next home, consolidate their debts or as an equity loan. This loan has a maximum loan amount of $1,000,000.

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Mortgage House Stretch Package Account

The Mortgage House Stretch Package Account is suitable for owner-occupiers, first home buyers, investors, refinancers and borrowers looking to consolidate their debts. The Stretch Package gives borrowers access to a 100 per cent offset account which can help save thousands of dollars in interest over the life of the loan. The offset account is linked to a Deluxe Visa Credit Card which has the same interest rate as the home loan. Borrowers looking for the best of both worlds can split this loan into both fixed and variable interest rates. This loan gives borrowers the option of making additional repayments and a choice of principal and interest or interest-only repayments.

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Mortgage House Special Variable Loan

Mortgage House Special Fixed Loan

Mortgage House Pure and Simple Loan

The Mortgage House Pure and Simple Loan is a basic variable rate home loan suitable for both new purchase and refinance loans. This simple loan is an easy to understand mortgage that has no monthly, application or discharge fees. This variable rate loan caters to borrowers with deposit sizes from 70 per cent all the way to five per cent. The maximum loan amount is $500,000 and interest rates vary depending on the deposit size. This loan has no offset account but gives borrowers the freedom to make repayments weekly, fortnightly or monthly.

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Mortgage House Essentials Loan

The Mortgage House Essentials Loan gives borrowers the freedom to split the loan into both fixed and variable interest rate options. Borrowers can use the 100 per cent offset account to help reduce their loan term and save thousands of dollars in interest payments. This loan has no package fee or annual fee, however does have a monthly fee. This loan has a minimum loan amount of $150,000 and gives borrowers the flexibility to borrow up to 95 per cent of the property value. This loan gives you the freedom to make additional loan repayments which can be accessed through the loans redraw facility if and when you need to. Both owner-occupiers and refinancers can apply for this home loan.

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Mortgage House Equity Gold Loan

The Mortgage House Equity Gold Loan uses the equity in your existing home to give you access to a set amount of funds. This Equity Loan has a minimum loan amount of $20,000 and borrowers can access up to 90 per cent of the loan amount. The split loan option gives borrowers the choice to divide this loan into both fixed and variable interest rates. This equity loan has no offset account but does have a redraw facility, no monthly fees and an interest only option.

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Mortgage House Easy Start Two Loan

The Mortgage House Easy Start Loan is a simple home loan that gives borrowers access to a discounted variable interest rate for the first 12 months of the loan. This loan gives borrowers the choice of making additional loan repayments and has a maximum loan size of $500,000. Borrowers looking for the best of both worlds can split this loan into both fixed and variable interest rates and have the added flexibility of paying interest-only for a set period of time.

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Mortgage House Discount Variable Loan

The Mortgage House Discount Variable Loan gives borrowers access to a discounted variable interest rate for the first six months of the loan. Borrowers who prefer the certainty of fixed repayment amounts have the freedom to split this loan into both fixed and variable interest rates. This loan is packed with flexible features like a 100 per cent offset account, a redraw facility, a loan switch facility and a portability feature. This loan has a maximum loan term of 30 years and lets borrowers reduce their loan term by making additional lump sum repayments. Other loan perks include a redraw facility, flexible repayment options and no loan application fee.

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Mortgage House Conservative Loan

Mortgage House Conservative Loan suits borrowers looking to purchase, refinance or consolidate debts for an owner-occupied property. This loan gives borrowers the choice of making principal and interest or interest-only repayments for a set period of time. This loan has a maximum loan term of 30 years and a minimum loan amount of $150,000. Borrowers can split this loan between both fixed and variable interest rates and have the added flexibility to make additional loan repayments. The 100 per cent offset account lets borrowers use the balance of their savings account offset additional interest payable on the loan. Other loan perks include a redraw facility, portability feature, convenient phone and internet banking and a loan relocation feature.

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Mortgage House Autumn Loan

Mortgage House Advantage Loan

The Mortgage House Advantage Loan is available in both a fixed and variable home loan. It’s a flexible home loan product that suits owner-occupiers, first home buyers, refinancers and borrowers looking to consolidate their debts. This flexible home loan gives borrowers the benefit of a 100 per cent offset account and no annual fees. Loan customers can make additional loan repayments and have the choice of paying interest-only for a set period of time. Other standout features include a split loan feature, flexible repayment options, redraw facility and a loan portability feature.

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Home Loans from Mortgage House

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Pros
  • Mortgage House offers a wide range of home loan products.
  • Home loans have competitive interest rates.
  • Wide range of flexible loan options.
  • Some loans offer discounted interest rates.
Cons
  • Limited branch network.
  • Some loan products include annual and monthly fees.
Customer Service

Home loan customers can contact Mortgage House by calling or emailing the customer contact centre directly, filling out an online enquiry form or face-to-face through one of the Mortgage House home loan centres. Mortgage House customers can contact the customer support hotline 7 days a week.

✓     Customer service centre (phone)

✓     Online banking

✓     Email

✓     Branch

✓     Mobile banking staff

Applying and Eligibility

Mortgage House customers wanting to apply for a home loan can do so by either visiting a Mortgage House loan centre or by filling in an online enquiry form online. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:

  • Proof of identification.
  • Proof of income – whether you are self-employed or work for an employer.
  • Information regarding your current debts, liabilities and assets including credit cards, personal loans and car loans.
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