Streamlined systems and some of the best home loan rates make Mortgage House a genuine first home buyer alternative to the major banks.

If you are a first home buyer you can take advantage of:

• Our first home buyers guide gives you all the tips, tricks and information you need to know to successfully secure your first home.
• Super low first home buyer tailored solutions to ensure you maximise the benefits of your home loan.
• Access to leverage first home grants and family pledge to help you get on your way.
• A large range of loan types such as split loans where part of your loan is fixed and the other half is variable.
• With a vision in mind, you can build your home with a construction mortgage.

When it’s time to consolidate your holdings and increase equity, our second home buyer products have all the bases covered.

If you are a second home buyer you can take advantage of:

• Using your equity from your first home to purchase a second.
• Eliminating mortgage exit fees and stamp duty, making your loan portable means you have more flexibility.
• Utilising a bridging loan gives you the option to purchase your new home before selling your old one.
• Enjoy 24/7 and online support for quick and easy answers whenever you need them.

Mortgage House offers several pathways that can help you pay off the investment property and reap financial rewards sooner than you think.

If you looking for an investment you can take advantage of:

• Fixed rate and variable rate investment home loans that are matched with your needs
• Low interest rates
• Money-saving features
• Flexibility and a targeted solutions-based approach
• Fast approvals for experienced borrowers

Take the middle path during life’s ups and downs by taking out a Mortgage House Refinancer Loan and maintain your quality lifestyle.

Refinancing? Here is what you can benefit from:

• Variable interest rate home loans
• Fixed interest rate home loans
• Split home loans
• Toggle Offset loans gives you variable-rate flexibility with fixed-rate
• Consolidating all your loans into one new loan
• Information on how to refinance
• A new home loan with a better interest rate or lower fees
• Refinance for a better deal

There is no more exciting time than when building a new home, and we have loans to help you buy a house and maintain enthusiasm during every phase of the build.

Building from scratch? These are your advantages:

• Funds paid to you in drawdowns
• Only pay interest on the portion of the mortgage you have used
• Make interest-only payments for the land portion prior to and during the construction process
• Use a non-interest-bearing bank account to offset the interest on your construction loan
• Up to 24 months to complete construction after settlement
• Option to split the loan between two accounts after construction is complete to identify personal and investment debt
• Option for an owner-occupier home loan or investor home loan
• Endless resources and checklist

Your home is your castle, and with a Mortgage House Renovation Loan, your castle can expand, increase in value, and always look its best.

When it’s time to renovate, you can take advantage of:

• A clear picture of your finances, home equity and borrowing power
• Variable home loans
• Fixed home loans
• Split home loans
• Construction loans
• Genuine assistance
• Financial resources
• Paying off your loan within 1-5 years
• Understand what you can do with a renovation loan

Sometimes, relocation is the answer, so why not take the loan product with you to your next address, courtesy of Mortgage House.

• Move house when you want to
• Regular repayment schedules
• Zero refinancing costs
• Ability to adjust to changing times
• Short notice bridging loans
• Very little documentation required
• Move into new home while waiting for old one to sell
• Variable interest rate home loans
• Fixed interest rate home loans
• Bridging loans
• Portable loans

Asking yourself “how much can I borrow?” We understand you may have little documentation or irregular income, but if the figures add up, we will find the best home loan rates for you.

Self-employed benefits include:

• Low doc home loan with much less paperwork
• Quick application process
• Interest rate discounts may apply after a while
• Owner-occupier home loans
• Investment home loans
• Variable rate home loans
• Fixed rate home loans
• Toggle Offset home loans
• Split home loans
• Construction home loans
• Tailored solutions
• Tips and tricks for self-employed loans

It’s a luxury to have a family to fall back on for financial support. Mortgage House can manage loan formalities with a Family Pledge arrangement. This arrangement can help you reduce or negate your Lenders Mortgage Insurance.

Some great benefits of a family pledge include:

• No need for a deposit
• You might be able to borrow more (even 100% of the purchase price of your property)
• Redraw or refinance easily
• Variable rate home loans
• Fixed rate home loans
• Pay little to no Lenders Mortgage Insurance
• Toggle offset home loan
• Split home loan
• Portable home loan
• Principal and interest home loan
• Interest only home loan
• Construction home loan
• Smart options

As everyone has different incomes and income streams, borrowing power differs from person to person. Factoring in your income combined with your spending can provide a rough estimate of the home you can buy. Our mortgage calculator can give you an idea on how much you are able to borrow to get the ball rolling onto buying a house.

Combining income with your partner or your family can increase your borrowing power and the capacity of your loan. If you are purchasing with your partner and it is the first time you are both buying a property, you may be eligible for the first home owners grant. It is an exciting time to purchase your first home! With our borrowing calculator, you can add your income and your partners with an option to see what a joint loan looks like. Easily change the toggles and see all your options with our borrowing calculator. Want to know more about buying your first home? Understand the ins and outs of buying your first home here.

At Mortgage House, we know everyone has different incomes, lifestyles and expenses. Understanding your borrowing power is the first step in starting your home loan journey. With the toggles to add income, expenses, length of loan and more, our borrowing calculator is a great tool to understand an estimate on the rate of borrowing. Check your borrowing power here!

A mortgage is a BIG investment, maybe the biggest you will ever make in your life. The repayments of a mortgage differ from person to person. Factoring in the purchase price of your home, your deposit, your expenses, your income and possible partner’s income, length of the loan and repayment frequency will all play a part in how much you repay per month, fortnight or week. Understand how your income plays a part in your mortgage options with this article. There is no definitive answer to how much you should spend on your mortgage, it will all depend on how much you can afford to spend. Check your borrowing power here!

With innovative technology, Mortgage House can help you understand your borrowing power with our borrowing calculator. Asking yourself how much can I borrow for a home loan? creates a multitude of other questions. Factoring in your income, partner’s income, expenses, credit card debts and other forms of income will give you an estimate of how much you can borrow.

Using an online mortgage calculator is the ideal way to calculate your options. Simply move the toggles and add in your information to calculate your borrowing capacity here.

Banks factor in your whole life when determining if you are eligible for a loan. From credit card debt to your income, a mortgage broker and bank will assess your overall situation before determining your borrowing capacity. Be ready for the bank’s questions with our borrowing calculator so you’re not disappointed when it comes time for your loan options.

With a $60,000 deposit, your options are great. Taking into account how much money you make before taxes, your monthly living expenses, including how much you spend on housing, food, transportation, clothes, etc. and your current debts and other loans will determine how much you can borrow.

Even though you have your deposit, if you don’t have a stable income, you may not be able to pay back your repayments. Understanding how your salary impacts your options is important. This article can help you better determine how the combination of a deposit and stable income impacts your home loan options.

There is no definitive answer to this question. At Mortgage House we take into account an array of factors to determine how much you can borrow. Using our borrowing calculator is a good place to start!

Your salary plays a big part in determining the amount of your loan. This article explains how your salary impacts your loan.

An $80,000 salary is a good starting point for a home loan. At Mortgage House, we factor in a range of variables including your income, expense and deposit. The bigger the deposit, the better and having an 80k salary is a good salary for a home loan.

Understand how much you can borrow with our borrowing calculator. This article explains how reliable and valuable borrowing calculators are when starting your home loan journey.

The simple answer is yes but you need to have your stable income. A bigger deposit opens up your options with purchasing a more expensive house or choosing a shorter home loan. If your family gives you your whole deposit and you don’t have a steady income to back up your repayments, your deposit is almost worthless.

At Mortgage House, we understand everyone’s circumstances are different and factors surrounding your income and expenses are just as important as your deposit. Realistically, the bigger your deposit the better as this does give you more options in your home loan! This article explains how much you can borrow with a 10% deposit.