Start Fresh, Start Strong
Unlock a better future with smarter refinancing.
Boost your cashflow, save more and focus on what matters most.
Why Refinance With Us?
Dedicated Refinancing Specialists are ready to guide you every step of the way.
Local & Customer-First
What People are Saying
Refinanced my home loan with Mortgage House and couldn't be happier with the complete process. From the first phone consult with Mittal, everything ran very smoothly and hassle free. I rate Mortgage House and Mittal extremely highly and 100 per cent recommend them to everyone.
Shane
I recently refinanced my home loan and other debts with Mortgage House, and the experience was fantastic. They offered highly competitive rates that perfectly fit my needs. Jimmy and Mittal were professional, approachable, and always ready to answer my questions. I highly recommend them to anyone considering refinancing or looking for a reliable mortgage provider.
Raja B.
At Mortgage House, you can get a free pre-approval in minutes — it’s quick, easy, and obligation-free.
Fill out the following secure form and a Refinancing Specialist will get back to you in 4 business hours!
We offer flexible loans, fast turnarounds, and competitive rates to help you refinance with confidence. Whether you're lowering repayments, accessing equity, or switching lenders, our local team is here to help.
We respect your privacy. • No Obligation • Fast Response • Read our Privacy Policy
Reset Your Loan, Recharge Your Life
At Mortgage House, you can get a free pre-approval in minutes — it’s quick, easy, and obligation-free.
Fill out the following secure form and a Refinancing Specialist will get back to you in 4 business hours!
Award Winning Lending Specialist Since 1986
Local Support, Proven Expertise
Discover the perks of working with a locally based, industry-leading non-bank lender.
Loans Tailored to You
Enjoy personalised home loans made to match your goals, not our bottom line.
Award-Winning Solutions
Superior service you can count on to fast-track your refinancing goals.
Why Aussies Trust Mortgage House
Variable Rate
5.14
% p.a.
Lower Interest, Higher Savings.
Switch to a lower rate and watch your financial security soar.
Executive Saver
5.64
% p.a.
Comparison Rate*
5.18
% p.a.
Comparison Rate
Quick Decision
Get pre-approved in minutes, not days
Save Time
Streamlined process with minimal paperwork
Clear Terms
Know exactly what you qualify for
Fast Process. Flexible Loans.
Access our most competitive offers
The Pre-Approval Advantage
Power Up Your Finances
With Smarter Refinancing Options
^ The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments.
WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. Rates, fees and charges displayed apply to new borrowings only. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.
NOTICE: There are currently movements in the market place which affect the price of money. Therefore there is a high probability that mortgage rates may increase in 2025. Fixed rate loans are not set (locked in) until loan funds are drawn down. All quoted fixed rates are indicative only an`d are set from loan settlement.
© Mortgage House ABN 98 081 508 054 Australian credit licence 393283
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.
Variable Rate
5.99
%
p.a.
6.04
Comparison Rate
%
p.a.
Lower Interest, Higher Savings
Switch to a lower rate and watch your financial security soar.
Executive Saver
Power Up Your Finances With Smarter Refinancing Options That Are Tailored to Your Goals and Unique Situation
6.24
Variable Rate
%
p.a.
6.28
Comparison Rate
%
p.a.
Jumpstart Your Financial Goals
Lock in great rates and start saving with a smooth transition handled by our experts.
Savvy Saver
6.19
Variable Rate
%
p.a.
6.23
Comparison Rate
%
p.a.
- Lower Interest, Higher Savings
- Switch to a lower rate and watch your financial security soar.
Maxx Saver
Your Loan, Your Way
Breathe easy knowing you’re getting a customised home loan that fits you.
Award-Winning Products
Our exceptional home loan solutions have been recognised nationwide.
133 144
We make refinancing simple, fast, and stress-free — because life’s too short for endless paperwork. Book a callback for the human touch or complete your online application in under 15 minutes, anytime, anywhere. Just enter your details, upload your documents, and let our team handle the rest, so you can focus on living your best life.
Find Your Way With Ease
Get a head start by knowing:
- When your fixed rate is set to expire
- Your current home loan rate
- The amount you’d like to refinance
- What matters most to you in a loan
- Whether you’re PAYG or self-employed
Start fresh, start strong —
with a lending partner who makes it easy.
Finalist 2024
Excellent Rates and Fees
Winner 2024
Best Low Deposit Home Loan
Finalist 2024
Outstanding Customer Service
Product Review 2025
Winner Home Loans
Award-Winning Excellence
We’re proud to be recognised nationally for our outstanding lending services over the years.
100% Australian
Owned & Operated
Ready to Take Charge of Your Loan?
Skip the paperwork and apply online in under 15 minutes — anywhere, anytime.
Apply Online
Customer-First Lending, Backed by Experience
Australia’s Non-Bank Lending Champion. Independent, future-focused, and always putting you first.
Personalised Loans, Flexible Features
Customised solutions tailored to your needs — with redraws, repayment breaks, and flexible payment options.
Seamless, Stress-Free Process
We do the heavy lifting, making refinancing smooth, simple, and efficient.
Why Mortgage House?
^ The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments.
WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. Rates, fees and charges displayed apply to new borrowings only. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.
NOTICE: There are currently movements in the market place which affect the price of money. Therefore there is a high probability that mortgage rates may increase in 2025. Fixed rate loans are not set (locked in) until loan funds are drawn down. All quoted fixed rates are indicative only an`d are set from loan settlement.
© Mortgage House ABN 98 081 508 054 Australian credit licence 393283
Mon - Fri: 8:00 am - 6:00 pm
Saturday: Office Unattended
Sunday: Office Unattended
Refinance Now in 3 Easy Steps
Calculate
Use our calculator to see how much you could save by refinancing with us
Switch Smarter
Complete our simple online application in under 15 min.
Save Big
Receive your approval and switch to a better rate and start saving!
Unlock a loan that supports your lifestyle, goals and future plans.
Enjoy Lifestyle Alignment
Pay Less, Save More
The moment you refinance, you’ll start saving money from day one.
Maximise Loan Potential
Access better features, faster payoffs and financial breathing room.
Not Sure If Refinancing Is Right For You?
We’ve Got You Covered
Our free, easy-to-follow guide breaks down refinancing into simple, clear steps so you can feel confident about your next move. Download it now and see how you can secure the best loan features and start saving immediately.
5.19
% p.a.
Variable Rate
Start Strong with a Better Loan.
Switch to a lower rate and watch your financial security soar.
Savvy Saver
MOST POPULAR
5.64
% p.a.
Comparison Rate*
5.23
% p.a.
Comparison Rate
SSL secured
Variable Rate
5.39
% p.a.
5.64
% p.a.
Comparison Rate*
5.43
% p.a.
Comparison Rate
Lower Rate, Stronger Returns.
Maximise the performance of your property portfolio.
Maxx Saver
Power Up Your Finances With Smarter Refinancing Options