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What Are The Benefits of Using the Best Rate Mortgage Calculator?

Are you asking yourself “how do I find the best mortgage rate?” Using the Best Rate Mortgage Calculator can help you understand your options. At Mortgage House, we want you to get the best deal possible and with our easy-to-use calculator, you can do just that. We are here to help and finding the best mortgage rate online is easy with Mortgage House.

Understand Your Variables

Finding the best mortgage rate is easily discovered by adding your income, expenses and unique situation into our innovative Best Rate Mortgage Calculator.

Compare Rates

Explore the best mortgage rates available to you and choose which is best for your wants and needs.

Find The Best Mortgage

Identifying what loan works for you with the best mortgage rates and benefits. Evaluating your mortgage rate options is easy with our Best Rate Mortgage Calculator.

Get Your Journey Started

Understanding the best rates available for your home loan helps you on your journey of purchasing your home.

Want To Find The Best Rate?

Add in your unique income, expenses and situation to discover the best home loan rate.


Loan Details

The interest rate for the loan.
% p.a.
What is the length of time to repay the loan?
Will the loan be for yourself or joint with another applicant?



Any person who depends on you for financial support e.g. your children?

Annual Net Income

Your net income per year i.e. after tax
Your partner's net income per year i.e. after tax
Any other income you may receive each year e.g. rent from a property, interest on savings or dividends from shares

Monthly Expenses

Personal monthly expenses e.g. rent, bills, shopping, fuel etc.
Any repayments you have to make each month to cover your credit cards or other loans
Any other monthly expenses

Your Monthly Repayment

per month

You Can Borrow Up To

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. We recommend you seek independent legal and financial advice before proceeding with any loan. The Comparison Rate for each of the home loan products contained in this page is based on a loan of $150,000 over a 25 year term. Fees and charges may be payable.

WARNING: The comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. * This mortgage calculator shows indicative repayments based on 12/26/52 equal repayments for monthly/fortnightly/weekly options.

Find Out Your Repayments

Simply use the sliders to set your variables with our quick and easy calculator!

Best Rate Mortgage Calculator

The interest rate for the loan.
% p.a.
What is the length of time to repay the loan?
How much do you want to borrow?
What is the type of the loan?

& Interest

Interest Only

Your Repayments

  • Weekly
  • Fortnightly
  • Monthly

$1,798.65 per month

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.

What Home Loan Products Work Best For You?

Start with the Mortgage Calculator to work out your monthly repayments and overall loan amount. Once you understand your best home loan rates, you can get the ball rolling with a dedicated lending specialist on your pre-approval resulting in a successful home loan application.

At Mortgage House, we aim to deliver a competitive advantage with our financing and best home loan rateswith added incentives and savings. We work with you, providing the knowledge and industry experience required to ensure your mortgage is a sound long-term investment.

Whether you’re a first home buyer, second home buyer, investor or renovator, our range of home loan products is extensive and tailored to your needs. With a simplified borrowing process and some of the best home loan rates in Australia, Mortgage House customers enjoy the flexibility to adapt when opportunities arise, with a minimum of fuss and maximum benefits.

Mortgage House home loan products include:

First Home Buyer

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 which 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.


Second Home Buyer

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 and giving you 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 are 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 home loans
  • Fixed 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 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 houseand 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 home loans
  • Fixed home loans
  • Bridging loans
  • Portable loans

Self Employed

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
Your Mortgage House loan product will be coupled with the most suitable loan type, with choices that include variable, fixed and split interest loans, interest only loans, a line of credit, bridging loan or another of our solutions designed for your success.

Your Home Loan Journey Starts Here

Check your mortgage rates

Your options begin by first understanding the best mortgage rates available. Our Mortgage Calculator helps you gauge your borrowing power also. Once you know this, you know what areas and homes are in your price range.

Assess your repayment options

With endless variables in our Best Rate Mortgage Calculator, you can understand your options in choosing the best mortgage repayments.

What type of loan works for you?

With tailored options to suit everyone, choosing the loan that is appropriate to you with Mortgage House is easy!

Start browsing houses

The most exciting part of your journey is knowing what you can purchase so you can begin looking!

Things you should know

How does Mortgage House offer superior home loans?

The success of Mortgage House is due to the foresight and a genuine desire to provide Australians with a better home loan service. We are solely focused on mortgage and home loan solutions, allowing us to dedicate 100% of our resources toward the development of superior loan products with lower interest rates and better conditions.

For some people, the loan offers provided by Mortgage House appear too good to be true. We invite you to explore our impressive loan selections and speak to a Mortgage House Lending Manager. You will soon come to realise the offers we provide are genuine and unbeatable, providing a pathway for all Australians to enter the real estate market and begin developing healthy financial capital.

Mortgage House is the genuine alternative to Australia’s big banks and other lenders who remain aloof from their customers. Our goal has always been to put our customers first, and our impressive expansion during several decades of financial uncertainty indicates the solid backing you have with Mortgage House.

How can the best rate mortgage calculator help my decision-making?

Mortgage House encourages potential borrowers to have a hands-on role in decision-making. This includes our online tools and resources that educate and inform customers of our loan products, interest rates and borrowing advantages.

The best rate mortgage calculator displays all the most attractive mortgage loan offers on one page, so you can easily compare the relative advantages of each product. From standard home loans to investment loans, construction loans and a whole lot more, Mortgage House leads the way with superior interest rates, conditions and mortgage flexibility.

The best rate mortgage calculator provides the most important loan information required prior to decision-making. You will soon notice the Mortgage House advantages when investigating interest rates, comparison rates and regular repayment rates, and that’s even before taking zero annual fees and special deals into consideration.

A slight climb in interest rates can add significant cost to mortgage repayments, while shaving a small percentile off your rates can ease the burden. When managed properly with the aid of the best rate mortgage calculator and other resources, your Mortgage House loan can even provide additional funds for paying off your mortgage sooner.

Can I compare mortgage repayment amounts as well?

Our best rate mortgage calculator is an extremely versatile tool that will help you narrow down the best loan options available. Simply by entering an estimated property value, loan amount, loan type and rate type, the calculator can offer dozens of great loans to suit your needs. If you are unsure of your eligibility for a loan, you may be surprised to find some of the best low doc loans on offer.

A quick glance at the Mortgage House best rate mortgage calculator results will disclose our deals that add-up favourably against comparison rates and deals from other major lenders. At Mortgage House, we streamline our business operations and dedicate our focus to mortgage products, with the savings passed directly on to our customers.

Our best rate mortgage calculator and other calculators are a valuable resource to assist decision-making and potentially save you thousands of dollars. Other Mortgage House online calculators include:

Mortgage Repayment Calculator: Calculate expected repayment rates across the range of Mortgage House products, including fixed rate, variable rate and other loan types.

Borrowing Calculator: Get a reliable estimation of your borrowing power so you can commence the search for your dream home or investment property.

Switching Mortgage Calculator: Find out the short-term and long-term advantages of switching to a mortgage product that more accurately reflects your needs.

Stamp Duty Calculator: Examine stamp duty fees and other considerations that can impact your budget and borrowing power.

Budget Planner Calculator: Collate important mortgage or loan information in one place for easy retrieval and reference.

Mortgage House was established in 1986 to provide Australians with greater loan flexibility and manoeuvrability, allowing borrowers to evolve and grow along with the achievements and challenges that come their way. It makes good sense, as most mortgages last between 20-30 years, and adapting to each phase is easy when transitioning between tailored Mortgage House loan products.


How can I find out what loan amount I can borrow?

The Mortgage House Borrowing Calculator is an extremely useful tool. It’s exciting to see just how much financial leverage your hard-earned house deposit can provide, allowing potential borrowers to move forward with confidence. Once you know how much you can borrow and what you want to achieve with the money, it’s time to have a talk with your Mortgage House Lending Manager who will help you refine your options for an outstanding deal.

The borrowing calculator will shine a light on your property goals and buying-power, while ensuring you don’t go over budget and suffer financial stress as a result. If your figures don’t quite add up and you need to revise your approach to expenditure, check out our Budgeting Calculator and get your finances back into surplus.

How often should I make my repayments?

Most mortgages are suited to weekly, fortnightly or monthly repayment schedules. Although each system appears similar, there are potentially big savings, depending on the way your loan is structured. For example, by making fortnightly repayments instead of monthly repayments on a 30-year loan, you will be making one extra repayment per year. The small savings add up over the lifetime of your loan, ultimately shaving several years off repayments and helping you achieve financial freedom much sooner.

Your decision to choose fixed or variable interest rates will affect your ability to make additional repayments. Generally, fixed rate mortgages don’t allow customers to make additional repayments without incurring a fee, making this mortgage type unsuitable for people who require repayment flexibility without penalties. If your finances are fluid, it’s well worth making several additional mortgage repayments yearly, dramatically reducing the loan duration.

What is the best interest rate for a mortgage?

A lot goes into finding the best home loan rates Australia wide. Mortgage House wants to make it easy for you so we have created an innovative online calculator to help you along your journey.

Understand how to get the best mortgage rate with our Best Rate Mortgage Calculator. Input your loan details with interest rate and

loan period paired with other factors such as whether it is a joint application, your number of dependants annual net income and partner’s income. Add in your monthly, personal expenses and other expenses to get an estimate of monthly repayments and how much you can borrow overall. If you have a unique case, Mortgage House can provide solutions.

How do you compare home loans?

Choosing the best mortgage rates can be a daunting process and comparing your options can be confusing. The total figure amount is converted into a percentage rate using the percentage amount and interest rate. Then adding additional fees that may apply to the loan. Mortgage House simplifies this process with the Best Rate Mortgage Calculator. Check out your comparisons today.

What is the best home loan rate?

The answer to this question varies from person to person. Do you want a fixed or variable loan? Are there additional fees and charges? Will you need further benefits. These three factors play a huge part in determining the best home loan rate. With our Best Rate Mortgage Calculator you can determine the monthly repayments and overall total of your loan by easily putting in your loan details with interest rate and

loan period paired with other factors such income, dependents and more. Everyone’s situation is different. Do you have a niche situation? Mortgage House’s loan specialists offer flexibility and niche solutions.

Looking for the cheapest or lowest home loan rate?

Everyone has different incomes and expenses. Mortgage House can help you understand your situation better when buying a home by providing you the best mortgage rates. We understand everyone wants the best deal and we believe you deserve it! In a rush to buy a home? With faster rates and fast approval, Mortgage House can help you on your home loan journey.

How to compare home loans?

Comparing home loans is daunting when looking for the best rate mortgage. Taking into account your financial situation including your income and expenses, Mortgage House are here to help you understand your options when choosing your best rate home mortgage and bank with best mortgage rate. With niche results to mortgages, we offer solutions for speciality loans.