Fast Track Your Home Loan
A Structured Home Loan That Recognises Your Full Lending Relationship
The Blended Plus Home Loan is a structured lending facility offered by Mortgage House that allows eligible borrowers to hold their owner-occupied home loan and investment loans within a single, clearly defined structure.
Rather than assessing each loan in isolation, this structure enables Mortgage House to recognise a borrower’s total lending relationship. Where eligibility criteria are met, this may result in a Customer Loyalty Rebate applied to the owner-occupied home loan rate.
The product is designed for borrowers who are building or holding investment assets while maintaining a primary residence, and who value transparency, separation of loan purposes, and structured pricing.
The structure has been designed with reference to ATO Product Ruling PR 2023/11, supporting clarity around multiple lending purposes.
The Blended Plus Home Loan applies pricing by considering the combined lending position, rather than pricing each loan independently. Where eligible, the Customer Loyalty Rebate may:
Reduce the owner-occupied interest rate
Adjust over time as lending balances, equity, or repayment behaviour changes
Continue to apply as circumstances evolve, subject to product terms
This approach focuses benefits on the owner-occupied home loan, which is typically a borrower’s largest non-deductible debt.
Loan purpose
Loan-to-Value Ratio (LVR)
Product features
Credit assessment and eligibility criteria
| Owner-Occupied Loan: | $300,000 |
| Investment Loans: | $1,000,000 |
| Total Lending Relationship: | $1,300,000 |
| Owner-Occupied Rate: | – |
| Investment Rate: | – |
This example is illustrative only and does not represent an offer or guarantee.
The Blended Plus Home Loan is not static. Pricing and structure may be reviewed as:
This allows the loan structure to continue reflecting the borrower’s overall position, subject to eligibility and product terms.
Owner-occupied rates from -*
Loyalty-based pricing on the home loan component
Clear separation between home and investment lending
Structured, transparent lending design
Designed with reference to ATO Product Ruling PR 2023/11
Calculate your weighted interest and projected rates with precision.
Owner-occupied rates from – p.a.
Owner Occupied Amount ($)
Investment Amount ($)
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Disclaimer: Results are estimates only and do not constitute financial or tax advice. This is intended as a guide only. Details of terms and conditions, interest rates, fees and charges are available upon application. Mortgage House’s prevailing credit criteria apply. We recommend you seek independent legal and financial advice before proceeding with any loan.
Interest rates are subject to change. Eligibility criteria apply. Fees and charges may be payable.
This information is general in nature and does not constitute financial, legal, or tax advice. Tax outcomes depend on individual circumstances. You should obtain independent professional advice before making a decision.
All applications are subject to Mortgage House credit assessment, eligibility criteria, and terms and conditions.
