Buying your home

A loan to fit you

Let us get you into your new home as simply as possible with a mortgage that meets your needs today and grows with you tomorrow. Our lending managers will listen to your needs and match you with the best fixed rate or variable rate home loan, at the most competitive rates.

Why Mortgageport?

Nimble, tailored, and trusted

As a mortgage manager and lender we custom-design home loans to fit you, and not the other way round. We pride ourselves in offering a better deal than the banks or brokers while delivering service that hasn’t lost its personal touch.

Fully accredited

Mortgageport is a long-standing member of the Mortgage & Finance Association of Australia (MFAA).

Personal service

Our Lending Managers are dedicated to their clients’ success and serve as the single point of contact.

Here for the long term

We’ve been helping customers secure finance since 1998.

In-house credit team

We approve your loan in-house, so you don’t have to wait in line to get an answer.

Flexible

We customise loans with the features you want and competitive rates to suit your needs.

Trusted and recommended

More than 150+ independent accounting firms refer their clients to us because of our expertise and service.

Home loan calculator

Calculate your borrowing power at-a-glance

If you’re not sure, let’s talk.

Rates & key features

Enjoy the best rates on a fixed or variable rate home loan that we customise to your needs.

Variable rate home loan

Enjoy the flexibility and benefits a variable rate home loan offers.

With no penalties for early repayments and the ability to redraw extra payments, a variable rate home loan offers maximum flexibility.

Variable rate home loan

6.24%p.a.

Interest rate*

6.42%p.a.

Comparison rate*

Fixed rate home loans

Lock in certainty with repayments that will stay the same over a fixed period.

Fixed rate home loans offer maximum certainty, giving you peace of mind for budgeting and no surprises over the fixed loan term.

Fixed rates from

POA %p.a.

Interest rate*

POA %p.a.

Comparison rate*

  • This information is provided by Mortgageport Management Ltd (Australian Credit licence 386360) and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you. Lending criteria, fees and Terms & Conditions apply. *Interest rate and comparison rates quoted are for Mortgageport managed owner occupier loans with a LVR≤70%. Rates may vary depending on your requirements, product and mortgage provider. Rates are subject to change without notice. The comparison rate is based on a loan for $150,000 and a term of 25 years. WARNING: This comparison rate only applies to the example of examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate buy may influence the cost of the loan. Home loan information and interest rates are current as at 10 January 2024 for new loans only and are subject to change.

Features and benefits

We provide more value to our customers because we appreciate you.

More flexibility means a better home loan for your specific needs and situation.

Rates & Fees

  • Great rates on fixed and variable loans

  • No ongoing fees

  • No ongoing account keeping fees

Features & Inclusions

  • The flexibility of principal + interest or interest only up to five years, and up to four separate loan splits

  • Stay in control of finances with a simplified monthly statement that tracks your offset balance, loan balance and all transactions

  • Minimise the size of your deposit with a Loan-to-Value Ratio (LVR) giving you borrowing capacity up to 95%

Save More With Offset Account

  • Minimise your interest payments with a 100% Offset Account

  • Immediate access to money in your Offset Account when you need it through ATMs, online banking or in person

  • No need to commit to regular deposits to your Offset Account over and above your loan repayments

Loan Process

Our simple process that delivers the best possible home loan for you

1. Connect with us

Congratulations you have taken the first step to finding a tailored home loan solution.

2. We’ll call you

One of our experienced Lending Managers will call you to understand your personal situation. They will work with you to get all the information they need to make recommendations on the options available.

3. The right solution for you

We will work out your borrowing capacity, run a credit check and get you pre approved so that you can bid with confidence.

4. Finalising your loan

The hard work is all done. We will keep in touch with you, so when you are ready, we can finalise the approvals and arrange the settlement.

5. It does not end there

We will keep in touch with you. Regularly reviewing your options to ensure that you continue to get the right mortgage for your situation.

Speciaised home loan consultants

Got questions ? We have the answers

  • Mortgage insurance covers the lender in the unlikely event that you default on your loan. It does not cover you, the borrower.

    Your Lending Manager will advise you if you require mortgage insurance and the costs involved. We may be able to structure your loan to avoid, or minimise the need for mortgage insurance.

  • A comparison rate reveals the cost of a loan, allowing you to compare ‘apples with apples’ when choosing a loan. The comparison rate takes into consideration the costs associated with setting up a loan, including the interest rate, the loan approval fee and any other up front or ongoing fees. It excludes government fees and charges, because they are standard across all loans.

    The comparison rate can be compared against the rates of other loans and loans with other lenders. It is also important to consider the features of a loan rather than just the interest rate when comparing loans. No monthly fee, repayment flexibility and money saving features such as 100% mortgage offset, can make a huge difference to the final cost of a loan.

  • An offset account is a transaction or everyday banking account that is linked to your home loan. It gives you the ability to use your savings to reduce the interest payable on your loan.

  • This is the amount you need to borrow, calculated as a percentage of the property’s value, as assessed by the lender.

    So, if the property you want to purchase is valued at $500,000, and you need to borrow $400,000 to pay for it, the loan is 80% of the property value, making your LVR 80%.

    LVR is important because different lenders and loan types have different maximum LVRs.

Question not answered?

The next step is yours

However you feel comfortable, start your journey in your own way.

Pre-qualify today

By answering a few short questions, we can assess your borrowing power and come back to you to finalise your application.

Request a call back

Let us contact you and talk you through the process, regardless of your needs.

Apply now

Start your home loan application by providing us with your details, and we can take it from there.

Got question, ask us.