One of Australia’s Leading Non-Bank Lenders for Low-Rate Home Loans
A modern lending experience with real service, real savings, and real independence since 1986.
Refinanced Feeling
Don’t wait! You deserve a better deal. Our expert Refinancing Specialists make it quick and easy for you to get that feeling!
Perfect Match
Use our Compare Matchmaker tool today to find the home loan that suits your financial goals and needs.
5% Deposit
Say goodbye to the 20% rule, bypass LMI and leap into homeownership without the burden of massive savings.
Consolidate
Simplify & Save
Don’t wait! You deserve a better deal. Our expert Refinancing Specialists make it quick and easy for you to get that feeling!
Popular Low-Rate Home Loans
Mortgage House delivers consistently sharp interest rates through efficient funding structures and multi-decade lending expertise. Compare our most popular products below.
Interest Rate
6.89
%
p.a
Comparison Rate^
6.93
%
p.a
Compare with major lenders variable rates as at 01 Aug 2026 Benefits
Interest Rate
5.89
%
p.a
Comparison Rate^
5.93
%
p.a
Compare with major lenders variable rates as at 01 Aug 2026 Benefits
Interest Rate
5.94
%
p.a
Comparison Rate^
5.98
%
p.a
Compare with major lenders variable rates as at 01 Aug 2026 Benefits
Mortgage House offers consistently competitive interest rates through efficient funding structures, disciplined capital management, and Australian lending expertise since 1986. We specialise exclusively in flexible Chameleon Home Loans — designed to adapt to your financial circumstances while maintaining sharp pricing and responsible lending standards. Compare our most popular Chameleon loan options above.
Your Home Ownership Success is our Mission
Mortgage House exists to give Australians a genuine alternative to the banks — sharper rates, faster approvals, and customer-first service without compromise.
Our Mission Is Simple
To help you secure the right loan, at the right time, with clarity, confidence, and long-term support.
Lending Solutions Designed for Every Borrower
Mortgage House combines three decades of lending expertise with modern digital systems to deliver personalised options across the full spectrum of property and commercial finance.
Home Loans
Flexible, competitive home loan products backed by real support from application to settlement.
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Business Loans
Whether you’re a business owner or involved in property, the right loan can help you immediately capitalise on an opportunity.
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Financial Services
We offer various non-home loan financial products through our partnerships with Perpetual Private Clients and Allianz Insurance.
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Insurance
Mortgage House offers property, life cover, income protection, trauma, disability and business succession insurance on a referral basis.
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Solution Lending
Tailored lending for unique, complex, or non-standard financial situations.
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Commercial Loans
Funding solutions for business owners, developers, and commercial property buyers.
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SMSF Loans
Self-Managed Super Fund lending for residential or commercial property investment.
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Construction Loans
Purpose-built finance for renovations, rebuilds, extensions, or brand-new homes.
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Borrower Pathways
We are committed to 5-star service and helping you navigating the home loan process. We are on your side from start to settlement and beyond
First Home Buyer
Buying your first home is a milestone. We simplify the process with pre-approval support, savings strategies, access to low-deposit options, and guidance on all government schemes. You gain clarity, confidence, and a trusted partner through every step.
Second Home Buyer
With your existing equity, upgrading or relocating becomes simpler. We structure loans that minimise disruption, reduce repayments where possible, and deliver a smoother financial transition between properties.
Construction Loans
Building requires precise handling. We manage staged drawdowns, builder checks, progress valuations, and cash flow so your project stays on track and stres
Refinancer Loans
Switch to a more competitive loan with transparent modelling, full repayment projections, and strategic advice that helps you refinance with absolute certainty.
Investor Loans
Whether acquiring your first investment property or expanding a portfolio, we help maximise borrowing power, optimise loan structure, and align financing with long-term wealth goals.
Renovation Loans
Transform your home with finance designed specifically for small updates, major structural work, or full property makeovers — without financial pressure.
Relocation
Bridge the timing gap between sale and purchase. Our relocation loan options give you freedom to move without rushing decisions.
Self-Employed Home Loans
We understand the complexity of business income. Our lending specialists structure loans based on your true financial position, not a single tax return.
Lending Made Easier
We are committed to 5-star service and helping you navigate the home loan process. We are on your side from start to settlement and beyond.
Quick applications and fast digital processing
Tailored loan structures for every borrower profile
Transparent guidance and clear lending pathways
Our Success is Your Success
We continue to achieve industry recognition for excellence in customer service and low-rate loan products. When you come to Mortgage House, know that you are in the safest hands.
WeMoney
Best Low Deposit Home Loan of the Year Back to Back Winner 2023-2024 (2 years)
ProductReview.com.au
Home Loans – 2023 Winner
Money Magazine
Best-Value Basic Home Loan
(Non-Bank) 2022
RateCity
Best Variable Home Loan
for the Chameleon Executive Home Loan 2022
Advice & Experience Pillars
We are committed to 5-star service and helping you navigate the home loan process. We are on your side from start to settlement and beyond
Clear Advice
Industry-leading clarity so you always understand your options.
Flexible Options
Access calculators, guides, resources, and pre-approval tools anytime.
Trusted Experience
Nearly four decades supporting Australian borrowers through all market cycles.
Leading Products
Home loans designed with one purpose: your financial wellbeing.
About Mortgage House
Mortgage House began in 1986 with a belief that Australians deserved a fair, competitive alternative to traditional banks. Over four decades, we’ve built award-winning digital lending systems, national distribution, and a customer-first culture.
Our Commitment Is Unchanged:
Better rates. Better service. Better outcomes for every Australian borrower.
Award Winning Products & Services
Year on year Mortgage House continues to lead the way with exemplary offerings for new and existing customers.
I Want To...
Year on year Mortgage House continues to lead the way with exemplary offerings for new and existing customers.
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