Solution Lending – Every Pathway, One Partner Who Listens
Since 1986, Mortgage House has been helping Australians find real lending solutions when others said no. We listen first, then design a workable, personalised outcome — whether you’re self-employed, refinancing, building, investing, or restructuring complex loans.
Why Choose Solution Lending
Mortgage House understands that every borrower is unique. Your goals, your property, your cash flow — they all deserve individual attention.
If your current bank or broker doesn’t understand that you are important, talk to us. We’re a direct lender, not a middleman. Our team listens, analyses, and provides a tailored solution that works for your situation — not someone else’s.
“We believe finance is personal.
That’s why every conversation starts with listening.”
Tailored Lending for Every Australian
From first homes to refinancing, from construction to SMSF lending, Mortgage House has products for almost every borrower type, including complex credit, unique securities, and remote properties.
Our Lending Specialists
Our lending specialists are highly experienced professionals who know how to structure even the most complex applications. They’re not intermediaries — they are decision-makers who understand credit, risk, and policy. You deal directly with the people who can make things happen.
“From PAYG employees to company directors, from trusts to SMSFs, from ATO restructures to property developers — our specialists find practical, compliant, achievable solutions.”
Jimmy Jain
Pierre Bezuidenhout
Christopher Monaghan
Allan Wong
Etee Arora
Iris Liu
Lachlan Waters
Mittal Shah
Mitch Tierney
Flexible Access & Competitive Rates
With Mortgage House, you have unrestricted, real-time access to surplus funds through redraw accounts and competitive variable or fixed rates — with no penalties on variable-rate early repayments.
Our technology and experience combine to deliver flexibility, security, and peace of mind.
Featuring:
Unlimited and free online redraws
Real-time account visibility
Competitive rates with flexible options
Innovative digital tools that keep you in control
How to Get Started
Ready for a solution?
Speak to a Mortgage House lending specialist today and find out how we can help.
“Whether your goal is to buy, build, or restructure,
our experienced team will guide you through every step.”
Why Choose Mortgage House Home Loans?
Every application is powered by SmartLend Assist™, Mortgage House’s proprietary technology that matches borrowers to the right products automatically, reducing paperwork and approval times.
Loan Solutions for Every Borrower
Whatever your circumstances we have a home loan to suit.
Simple Application Process
Apply online, anywhere, anytime and receive a swift response from a lending specialist.
Our Lowest
Rate Loans
Save money and pay less each month with the best low rate mortgage product.
Value-adding
Loan
Features
BPAY, loan splitting, loan portability, offset accounts, no monthly fees and more.
Repayment Calculator
Important Disclaimer: 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. Please note that your actual fortnightly repayment would be equal to the monthly repayment amount divided by two. Weekly repayments would equal the monthly repayment amount divided by four. If you choose to pay fortnightly or weekly, your actual repayments will be higher than repayments shown on this page. You can reduce the term of your loan if you choose to make repayments fortnightly or weekly. We recommend you seek independent legal and financial advice before proceeding with any loan.
Borrowing Power Calculator
Your Monthly Repayment
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You Can Borrow Up To
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Important Disclaimer: 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. Please note that your actual fortnightly repayment would be equal to the monthly repayment amount divided by two. Weekly repayments would equal the monthly repayment amount divided by four. If you choose to pay fortnightly or weekly, your actual repayments will be higher than repayments shown on this page. You can reduce the term of your loan if you choose to make repayments fortnightly or weekly. We recommend you seek independent legal and financial advice before proceeding with any loan.
All You Need to Know
How much can I borrow for a home loan?
Mortgage House has been finding home loan options for Australians for more than 30 years. We have a strong goal to provide a home mortgage service that is accessible and that allows Australians to secure their dream of home ownership. Finding a suitable home loan and working out how much you may be able to borrow, starts with understanding the types of home loans available in Australia.
- Principal and interest. These home mortgage loans are the most popular in Australia. Repayments are made up of both the amount of the principal and interest that banks and other lenders charge, so they can provide you with the home loan.
- Interest only.These home mortgage loans are popular with investors, and require only the interest to be paid back, usually over an agreed period. The property can often be sold after this time, with the proceeds used to repay the principal amount.
- Owner Occupier.Another one of Australia’s most popular home loans, an owner occupier mortgage is for those who intend to live in the property they are looking to buy.
- This kind of home loan is for those looking to buy property as an investment, rather than to live in. Investing in property can have tax benefits, and it is important to realise investment home loans can attract higher interest rates than their owner occupier equivalents.
Try our helpful Mortgage Borrowing Calculator to get clarity in less than 5 minutes.
How much deposit do I need for a home loan?
In today’s home loan market in Australia, most banks and lenders require a deposit of about 20%. The hard part is that while you try and save for a deposit, there’s a high likelihood that property prices will continue to rise, especially in the capital cities. Looking for suitable home loan options with Mortgage House’s home loan selector resources is a great start, but if you can’t buy when you want to, it can be frustrating. Luckily, Mortgage House may have a solution for you. That solution is Lenders Mortgage Insurance, or LMI. LMI can help you get into the property market sooner rather than later, by allowing you to borrow up to 95% of the value of your new home.
Lenders Mortgage Insurance is there to protect the lender in case you default on your loan, but it acts as an opportunity for you to reach your property goals and obtain a home mortgage. Speak with our lending specialists if you think this may be an option for you, to help you with your home loan chances, whether you are buying your first home or not. You can choose to pay mortgage insurance up front, or you can add it to your home mortgage and pay it off over the life of the loan.
In the meantime, to work out how you can save for a deposit, with or without mortgage insurance, and how much you may be able to afford in repayments, Mortgage House’s home loan selector resources includes a calculator that can help you out. Simply enter, as accurately as you can, your expenses and incomes into our Budget Planner Calculator below, and we will bring it all together in an easy-to-understand format. You will receive a figure that can help paint a picture of your current finances and give you an understanding of what your home loan options may be in the future.
How much can I borrow?
One of the great things about choosing Mortgage House to look for home mortgages is you can get an indication of how much you may be able to borrow, even before you apply. Your borrowing power is easy to discover, and it is free to find out. Having an indication of your borrowing power from the very start can help you narrow down, or even expand, your property search. You can go looking for a new home armed with a clearer picture of what a bank or other financial institution may lend you, which is important information whether you are buying your first home or your fifth. And with so many home mortgage loans available, you can use this information to be selective about the type of home loan you apply for, whether it be variable or fixed rate, construction, split, or any of the other mortgage loans Australian banks and lenders have to offer.
To start, search through our home loan options in Victoria, Sydney, and NSW to find one that may suit your current situation, and then fill in our Borrowing Calculator below with all the details. Estimate your income and expenses as accurately as you can, and then we will give you an estimate of your borrowing power. It is important to realise that borrowing power is not pre-approval, but it is an indication of what you may be able to borrow. Even if the result you get isn’t the one you are after, speak to our lending specialists and we’ll see what else we can do to help you find a suitable loan and reach your property goals.
How to qualify for a home loan
There is no guaranteed way to qualify for home loans in Australia, but there are a few things you can do to give yourself a better chance of being approved for a home mortgage.
- Complete the application.Everyone thinks how great things will be if they are approved for a home loan, but don’t think too much about what happens if they are not successful. If you are rejected for a home loan, that is attached to your credit file, which can have long-term financial consequences. Therefore, it’s important to ensure you have all the information you can to give you the best possible chance at a home mortgage.
- Take a close look at your income.Try to put yourself in the shoes of a bank or lender when thinking about your income. Use our Borrowing Power Calculator to give you an early indication of whether your income is high enough. If you don’t think your income is high enough, it might be better not to apply. Also, consider Lenders Mortgage Insurance if you are worried about the size of your deposit.
- Get the details right.When you apply for a loan of any kind, including mortgage loans in Australia, make sure you have every detail right. Check and re-check everything before submitting.
- Keep your credit history under control.Obtaining, and maintaining, a good credit score can make it easier to be successful in your home loan application. You can do this by regularly paying, in full and on time, any credit accounts you have, including mobile phone plans, internet accounts and gas, electricity and water bills.
How to refinance a home loan
Your current home loan may have suited your needs when you bought your home, but what if your needs have changed? Maybe there are home loan options available today that weren’t available when your applied for your current home mortgage. Perhaps you have a number of smaller loans, personal loans, as well as home mortgage loans, and you would like to consolidate them under one home mortgage. All of this is easy to start investigating. Simply contact our lending specialists about the borrowing power available to you by refinancing your home and loan options. You may even be able to save money, by paying less in interest, or cutting your repayments.
- It can be easier than you think.Even if your first home loan experience was difficult, that doesn’t mean refinancing will be. In fact, this time around you may be better equipped. You already know about stamp duty, mortgage insurance, comparison rates and what you need to apply for a home loan.
- Your current home can be a big help.If you’ve been making repayments regularly over the years, you have probably built up equity in your home, and when it comes to refinancing a home mortgage, equity is gold. Equity is the market value of your home, minus the balance of your home loan. The more equity you have the likely lenders are going to shine positively on you.
- You already have all the documents.The documents you need for refinancing are similar to those you needed to apply for a home loan in the first place, they will just need to be updated. Our Documents Checklist is a great place to start.
How to calculate home loan interest?
Mortgage loans in Australia have different interest rates. Interest rates are the banks way of charging you for the costs incurred in supplying you with house loans. When you see a home mortgage advertised, you will see three main types of interest rates.
- Variable rate.Variable rate house loans in Australia are home loans that have an interest rate that can increase or decrease over the life of the loan, based on a range of internal and external factors.
- Fixed rate.Fixed rate home loans are home loans where the interest rate is fixed for an agreed period of time, usually between 1 and 5 years. One of the main advantages of fixed rate loans is you will avoid any fluctuations in the world market. You will also know exactly what your repayments will be, for the agreed period.
- Comparison rate.A comparison interest rate is a way banks and lenders, as required by law, can give you an indication of the overall cost of the loan, compared to others. It is an indication of the overall cost of the loan, once any fees and charges are taken into account.
Use the Mortgage House Best Rate Calculator to find attractive interest rates for the type of home loan you are looking for in 3 minutes.
How do home loans work?
Home loans are a legal agreement between you and a bank or lender, to borrow money and pay it back over a number of years, up to 30 years in some cases. At Mortgage House we have been finding suitable home loans for Australian families for more than 30 years, and we have about 13 different types that can help you realise your property dreams.
A successful home loan application is when a bank or a lender determines that you are capable of making mortgage repayments over the life of the loan, based on a range of factors.
Essentially, a home loan is the money you need to pay for the difference between the total cost of your property and the deposit amount you have at your disposal. The money is lent to you by a bank or lending institution with interest payable on the loan amount each month.
Your lender will calculate your mortgage suitability by looking at your credit file and credit history, your current income and expenses and a range of other variables such as how long you have been with your current employer.
Different types of borrowers will be eligible for different home loan products to suit their circumstances. For example a first buyer home loan will require a different application process to an investment home loan or self employed home loan.
Whether you’re buying a home for the first time, building a home, investing in property or refinancing, we can help. If you are self-employed, and don’t have access to the usual paperwork, or if you don’t have the deposit most banks and lenders require, don’t worry. We can work with you on a range of different options to help you with your property goals. Our home loan selector tools are a great place to start and can give you an indication of where to go next.
How to get a home loan with no deposit
If you don’t have the deposit you may need for a suitable home loan, or have no deposit at all, Mortgage House is still worth a call. There are a few options we can speak with you about, to see if they apply. We know how hard it can be to buy a home in Australia, and we want to do what we can to help you get there. Click on the below links to find out more.
- Low deposit home loans.If you have a steady income, and a suitable credit history, a low deposit loan, with Lenders Mortgage Insurance, may be suitable for you.
- Family Pledge home loansA suitable family member may be able to act as guarantor for your home loan.
- Bad credit home loan.Just because your credit score may not be as good as you want it to be, doesn’t mean you should miss out on a home loan.
Once you have done that, speak with our lending specialists and they can run you through the process to help you find a suitable home loan and get you off the rental treadmill. After all, nobody likes paying off someone else’s home loan.
Supporting Links & Resources
Interest Calculator
| Mortgage Deal | Interest Rate | Annual Fee | Comparison Rate | Repayments | ||
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| Monthly | Fortnightly | Weekly | ||||
Important Disclaimer: This information is intended as a guide only. The calculation of fortnightly and weekly instalments varies with the specific loan product. Higher loan repayments will be required on principal and interest loans where the instalment calculation is based on half the monthly payment for a fortnightly payment or a quarter of the monthly payment for a weekly payment. 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.
What customers say
I have never received the level of personal service that Ken and the team at Mortgage House have provided. I think this is what people are talking about when they use the term "old fashioned service". Mortgage house have gone above and beyond in helping me refinance my home loan, along with offering a far better interest rate on my loan than my previous bank. I made the move from one of the big 4 and wish I had done so earlier - I would (and do) recommend these guys to anyone.
For over 39 years, Mortgage House has provided Australians with genuine financial options that respect individuality. Whether your situation is straightforward or complex, we take the time to understand it — because everyone deserves a fair chance to achieve their goals.
