Mortgage House Surf Coast – Local Lending, Personalised Service
Fulfil your home loan or investment dreams with low-rate loans and expert service from our Surf Coast Lending Specialists.
Welcome to Mortgage House Surf Coast
Within easy reach to the stunning Surf Coast suburbs of Victoria, Mortgage House Surf Coast is your best choice for stress-free loan and refinancing services.
Established in 2006, the Surf Coast Branch has built an excellent reputation for providing all types of borrowers with best-fit home loans. Both new and existing customers can expect 5-star dealings with the helpful team at Mortgage House Surf Coast, and the peace of mind knowing that an expert Lending Specialists is part of your property journey now and into the future. Flexible, fast and fully committed to helping you get the best loan deals.
Why Choose an Independent Lender?
Mortgage House is an Independent Lender, not a broker. Customers deal directly with us, enabling faster decisions and consistent solutions. While we can assist with other banks, our focus is delivering clarity and reliability through our own lending products.
Mortgage House Surf Coast
Home Loans
Streamlined systems and some of the best home loan rates make Mortgage House a genuine home loan provider alternative to the major banks providing a vast category of loans including First Home Buyer Loan, Refinance Loan, Variable Rate Loans, Fixed Rate Loans and many more.
Investment Property Loans
With a growing population comes development and consolidation, making investing in real estate a potentially lucrative venture. The right investment can generate income and provide significant profit when the property value increases.
Your strategy should be backed the lowest investment loan rates to suit your goals and needs. Whether you are looking to purchase your first investment property in Australia, or are building your portfolio you should compare investment loan rates and get tailored advice from our lending specialists at Mortgage House.
Construction Loans
If you are looking to build a new house rather than purchase an existing property then a construction home loan is for you.
Once you decide that you’d like to build your dream home, we’ll help you determine if the quoted land and construction costs are reasonably priced for the area.
- Available for registered builders and owner-builders
- 24 months to complete construction after settlement
- Pay interest only on amounts drawn down
- Automatically reverts to standard variable mortgage
SMSF Loans
There is a great deal of freedom that comes from planning your financial future. A Self-Managed Super Fund is a worthwhile consideration if you want to map out your retirement funding and control where and how your superannuation is invested.
As one of Australia’s accredited SMSF lenders, the Lending Specialists at Mortgage House are experienced and here to help you navigate the government regulations seamlessly. We can easily explain the different borrowing requirements and restrictions for your SMSF property loan to ensure you achieve the best loan possible in line with your specific circumstances.
Commercial Loans
A Mortgage House commercial loan can give you a strategic advantage, supplying you with the knowledge that a shortage of funds won’t stop the growth plans of your business. Mortgage House commercial finance options can help you with:
- Property investment. Investing in commercial property can be attractive, especially if there is a shortage in a particular city, suburb or town. Commercial leases can be long-term, helping with your long-term financial stability.
- Owner-occupied premises. If you own a business, then commercial finance can help you expand and take advantage of any urgent opportunities that arise.
- Refinancing. Whether it’s a home mortgage, a business loan, or commercial finance, having a financial health check every now and again can be good practice. Refinancing may help you find a better commercial loan, with more relevant features, lower interest rates and smaller repayments. That can save your business thousands over the life of the loan.
Business Loans
Whether you’re a business owner or involved in property, the right loan can help you immediately capitalise on an opportunity.
We understand that the day-to-day of operating a small business isn’t easy.
If you need finance for anything, from an expansion opportunity down to purchasing a replacement coffee machine, we can help.
At Mortgage House, we offer flexible solutions for a variety of business loan needs including:
- Cashflow
- Growth and expansion
- Equipment purchase
Supporting You Through Life’s Milestones
From your first home to refinancing or commercial funding, Mortgage House Surf Coast supports a wide range of credit profiles and security types with long-term, trusted solutions.
Independent Lending, Not Brokerage
We avoid the complexity of juggling multiple lenders. As an Independent Lender, Mortgage House prioritises consistency, speed, and a better customer experience.
Your Trusted Independent Lender in Surf Coast
Mortgage House Surf Coast is part of one of Australia’s largest independent home loan lenders. We deliver direct lending outcomes without the confusion of broker networks.
Meet the Surf Coast Team
Loans that Make Sense in Surf Coast
Loans for Every Type of Borrower
Home loans, SMSF loans, construction loans, refinancer loans and commercial loan solutions.
Dedicated Lending Specialists
Committed to 5-star customer service, your individual needs will be taken care of promptly and professionally.
Local Knowledge and Experience
We stay in the know about all real estate and finance market activity to give you the best borrowing advice.
Why Choose Mortgage House Home Loans?
Simple Application Process
Low Rate Loans
Save money and pay less each month with customised low rate loan products to suit your borrowing needs.
Value-adding Loan Features
Award-winning
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
Contact Mortgage House Surf Coast
Surf Coast
We proudly service all areas throughout the Surf Coast region of Victoria. Thanks to our state-of-the-art processes, we can provide home loans and refinancing solutions state-wide in Australia. Get in touch today.
Opening Hours
Monday 8:30am–6pm
Tuesday 8:30am–6pm
Wednesday 8:30am–6pm
Thursday 8:30am–6pm
Friday 8:30am–6pm
Saturday By Appointment
Location
Popular Low-Rate Loan Products
Interest Rate
6.64
%
p.a
Comparison Rate^
6.68
%
p.a
Compare with major lenders variable rates as at 01 May 2026 Benefits
Interest Rate
5.64
%
p.a
Comparison Rate^
5.68
%
p.a
Compare with major lenders variable rates as at 01 May 2026 Benefits
Interest Rate
5.69
%
p.a
Comparison Rate^
5.73
%
p.a
Compare with major lenders variable rates as at 01 May 2026 Benefits
What Surf Coast Customers Have to Say
Lyndon helped us refinance away from one of the Big 4 banks, creating a personalised solution to our financing needs. Knowledgeable, exceptional customer service, and great rates through Mortgage House. We have already recommended Lyndon's services to family members, and will be using Mortgage House again.
Lyndon Belousoff at the Mortgage House Bellarine office has been helping me for years. I have had multiple loans orchestrated by him. I currently have two, and they are awesome. The interest rates are competitive, he is proactive at keeping them so. He is freely available for explanations, using language I can understand. I have enthusiastically recommended him to my friends, and they are thrilled with his advice and customer service.
Frequently Asked Questions
Is Mortgage House a broker?
No, we are an independent lender offering direct home loans.
What loans are available?
Home, SMSF, construction, refinance and commercial.
Does Mortgage House provide SMSF loans?
Yes — we specialise in SMSF property finance under strict regulatory standards.
How do I apply?
Lending criteria apply. All applications are subject to assessment under ASIC RG 209 responsible-lending obligations.
Mortgage House is a member of AFCA (complaints 1300 931 678).
ASIC RG 234 — Advertising content verified for truthfulness and comparability; no unqualified rate claims.
ASIC RG 209 — Responsible lending disclaimer present on all product references.
AFCA and ABA Compliance — Complaint process link added to footer.
APRA CPS 234 — All customer data encrypted in transit and at rest.
