Have you found the house of your dreams?
There’s never been a better time to make it your own, with one of the lowest variable interest rates on the market – our Advantage – Essentials Home Loan 80 Owner Occupied.
A low variable interest rate is just the start. It’s packed with features that could save you interest and help you pay off your home loan sooner. With a linked 100% Offset Account and a debit card to access your funds anytime, free redraw facility and no penalties for making additional payments – the savings continually add up.
You’ll benefit from low variable interest rate for borrowing up to 80% of the value of the property you are looking to buy and live in. Get a headstart with your homeownership dreams today.
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100% Offset Account
Make your savings work for you. Every dollar saved in this offset account is offset against your home loan balance and reduces the total interest payable.
![](https://www2.mortgagehouse.com.au/wp-content/uploads/2016/10/MH_Essentials_LP_Icons-02.png)
Free Redraw Facility
Easily withdraw any additional payments you’ve made above your minimum repayments whenever you need it.
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Loan Portability
Moving house down the track is stress-free. Simply transfer your loan to your new property so you can continue to take advantage of flexible features and a super low variable rate.
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Loan Switching
Don’t worry when interest rates rise, instantly switch from your current variable rate to a fixed rate for peace of mind.
Repayments 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.
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Interest
RateComparison
RateThe Comparison Rate is based on a loan of $150,000.00 over 25 years. 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. -
Owner Occupied3.64% p.a.3.79% p.a.
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Maximum LVR80%
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Minimum Loan Size$150,000
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Maximum Loan SizeNo maximum
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Loan SplittingYes
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Principal & InterestYes
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Additional RepaymentsYes
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Direct DebitsYes
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Salary CreditYes
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Direct CreditsYes
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Deposit CardYes
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Bpay InYes
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100% Offset FacilityYes
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Redraw FacilityYes
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No Package Fee (excluding Stretch Feature)Yes
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Repayment Sweep of Credit CardYes
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Internet AccessYes
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Phone AccessYes
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ATM / EFTPOS Debit CardYes
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3rd Party Direct DebitsYes
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Repayment RequiredYes
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3rd Party Protocol FriendlyYes
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Loan PortabilityYes
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Loan SwitchingYes
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Deposit BondYes
- Fees
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Monthly Fee$10
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Package FeeNo package fee
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Rate Lock FeeNo rate lock fee
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Application FeeNo application fee
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Valuation Fee Up toUp to $300 free¹
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Settlement Fee$200
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Discharge Fee$450
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Why choose us
We are award winning lending specialists since 1986
Our latest awards include: