[Skip to the content](#main) [RateGap](/)every home loan rate lenders publish, compared # Mortgage House home loan rates Mortgage House's lowest advertised variable rate for a home you live in and pay down is **5.89%**, read Monday 2 November. That is 0.04 percentage points above the going rate of 5.85% across every lender. Its lowest fixed rate is 6.79%. Have a loan with Mortgage House? Compare your rate Loan balance ($) on your statement or in your banking app Your rate (%) not the comparison rate, which adds fees Compare my rate Since the Reserve Bank’s increase on Tuesday 29 September, Mortgage House has not changed its lowest advertised variable rate, 5.89%, as at Monday 2 November. [After the Reserve Bank’s increase](/market/after-the-rba) has every lender. 80 advertised rates across 33 products, published by Mortgage House under the Consumer Data Right. Last read Monday 2 November, yesterday. No lender pays to be listed. ## Where it sits 5.89% Mortgage House, lowest variable rate open to anyone 5.85% The going rate 0.04 percentage points above the going rate The going rate is **the lowest rate at least three lenders reach**, so one lender's odd price cannot set it. Both are advertised new-customer rates. A negotiated discount is in neither. [Read your own rate against this](/?lender=0189e547-b97c-f111-b27f-6045bd3ce80e). **Lowest variable rate, open to anyone**: 5.89% **Lowest fixed rate**: 6.79% **Lowest comparison rate**: 5.93% **Rates published**: 80, across 33 products **Last rate move**: Thursday 8 October **Last read**: Monday 2 November For a home you live in and pay down. The other loan types are in the tables below. ## Owner-occupied, principal and interest ### Variable - Chameleon - Executive Home Loan 60 · **5.89–6.14%** (5.93–6.18% with fees)- Chameleon - Executive Home Loan 60 (with offset) · **5.89–6.14%** (6.29–6.54% with fees)- Chameleon - Executive Home Loan 80 · **5.94–6.19%** (5.98–6.23% with fees)- Chameleon - Freedom Home Loan 80 · **6.19–6.44%** (6.23–6.48% with fees)- Chameleon - Freedom Home Loan 60 · **6.39%** (6.43% with fees)- Chameleon - Executive Investment Home Loan 80 · **6.44%** (6.48% with fees)- Chameleon - Freedom Home Loan 90 · **6.89–7.14%** (6.93–7.18% with fees)- Chameleon - Solutions Home Loan 60 · **7.34–7.59%** (7.83–8.08% with fees)- Chameleon Commercial - Pure Commercial 50 · **7.69–7.94%** (8.29–8.54% with fees)- Chameleon - Solutions Home Loan 80 · **7.80%** (8.29% with fees)- Chameleon - Platinum Home Loan 60 · **8.49–8.74%** (9.03–9.28% with fees)- Chameleon Commercial - Pure Commercial 80 · **8.54–8.79%** (9.25–9.50% with fees)- Chameleon - Platinum Home Loan 80 · **8.69–8.94%** (9.39–9.64% with fees)- Chameleon - Platinum Home Loan 60 (INV) · **8.84%** (9.38% with fees)- Chameleon - Platinum Home Loan 80 (INV) · **9.04%** (9.74% with fees)- New Car - Special - Secured - PAYG · **9.54%** (10.76% with fees) ### Fixed - Fix & Save – 1 Year Fixed · **6.79%** (6.29% with fees)- Fix & Save - 3 Years Fixed · **6.79%** (7.26% with fees)- Fix & Save – 2 Years Fixed · **6.79%** (6.35% with fees)- Fix & Save 3 Years Fixed - Investment · **6.89%** (7.36% with fees)- Fix & Save - 2 Years Fixed - Investment · **6.89%** (6.73% with fees)- Fix & Save – 1 Year Fixed – Investment · **6.89%** (7.47% with fees)- Fix & Save - 5 Years Fixed · **7.19%** (7.34% with fees)- Fix & Save - 5 Years Fixed - Investment · **7.39%** (7.49% with fees) Where a rate is shown as a range, Mortgage House published more than one under conditions it stated identically — same product, same term, same band, same loan size. Nothing published says which of them applies, so this does not guess. No rate here says how much of the property's value it applies to. That is what Mortgage House publishes. It says nothing about how much it will lend. ## Investment, principal and interest 11 rates ### Variable - Chameleon - Freedom Home Loan 60 · **6.14%** (6.18% with fees)- Chameleon - Executive Investment Home Loan 60 · **6.34–6.59%** (6.38–6.63% with fees)- Chameleon - Executive Investment Home Loan 80 · **6.69%** (6.73% with fees)- Chameleon - Solutions Home Loan 80 · **7.55%** (8.04% with fees)- Chameleon - Platinum Home Loan 60 · **9.09%** (9.63% with fees)- Chameleon - Platinum Home Loan 80 · **9.29%** (9.99% with fees) ### Fixed - Fix & Save – 1 Year Fixed – Owner Occupied · **6.79%** (6.29% with fees)- Fix & Save 3 Years Fixed · **6.89%** (7.36% with fees)- Fix & Save - 2 Years Fixed · **6.89%** (6.73% with fees)- Fix & Save – 1 Year Fixed · **6.89%** (7.47% with fees)- Fix & Save - 5 Years Fixed · **7.39%** (7.49% with fees) Where a rate is shown as a range, Mortgage House published more than one under conditions it stated identically — same product, same term, same band, same loan size. Nothing published says which of them applies, so this does not guess. No rate here says how much of the property's value it applies to. That is what Mortgage House publishes. It says nothing about how much it will lend. ## Restricted to particular groups | Product | Who it is for | Rate | | --- | --- | --- | | Chameleon - Gold SMSF Loan 80 (Combo) | a particular group only, per its published conditions | 6.74% | | Chameleon - Freedom Low Doc Home Loan 60 | a particular group only, per its published conditions | 6.84% | | Chameleon - Gold SMSF Loan 80 | a particular group only, per its published conditions | 6.89% | | Chameleon Freedom Low Doc Home Loan 80 | a particular group only, per its published conditions | 7.14% | | Chameleon Gold SMSF Loan 90 | a particular group only, per its published conditions | 7.74% | | Chameleon - Gold Non Resident Loan 70 | a particular group only, per its published conditions | 7.99% | | Chameleon - Pure Commercial Low Doc 50 | a particular group only, per its published conditions | 8.19% | | Chameleon - Gold Low Doc Investment 80 | a particular group only, per its published conditions | 9.34% | The data says a product *is* restricted. It never says whether you would get it. On [the comparison](/) every one of these can be put back with a click, and every figure is worked out again. ## What changed Mortgage House last moved a rate on **Thursday 8 October**. Every rate is read each morning and has come back the same since. [Every lender that publishes rates](/lenders), and [every rate move since capture began](/data/history). ## Beside it Of 93 lenders with a variable rate anyone could take for a home you live in and pay down, 3 publish a lower one than Mortgage House's 5.89%. The nearest either side: - [Easy Street](/lender/easy-street) 5.79% - [CommFCU](/lender/commfcu) 5.85% - Mortgage House 5.89% - [RACQ Bank](/lender/racq-bank) 5.89% - [Homestar Finance Pty Ltd](/lender/homestar-finance-pty-ltd) 5.93% **Does this look wrong? or could it be better** Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what Mortgage House told you, it is usually one of these. ### The published data is wrong Mortgage House publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source. If the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list. Everything identifying the feed is filled in below. The one part left is what you saw. ``` Consumer Data Right — Product Reference Data quality Data holder brand: Mortgage House ABN: 52106171537 Product Reference Data endpoint: https://mortgagehouse.com.au Data read from that endpoint on: Sunday 1 November Rate lines published at that time: 80 What appears to be wrong: [describe what you checked, and what the published data says] This data is published under the Product Reference Data standard and is available publicly, without authentication or a consumer consent. ``` Copy the report [Open the report form in a new tab ↗](https://forms.oaic.gov.au/forms/report) The form is run by the Consumer Data Right, not by this site. Nothing you type here is sent anywhere — the text above is yours to copy. ### This page reads it wrongly The rate is published correctly and this page has misread it. A band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not: that one is mine. [Tell me and I will fix it](/#fb), and say which lender so I can find the row. ### Something is missing A figure this page should show and does not, or a lender that should be here and is not. [Tell me through the feedback box](/#fb). The data behind every page here is [free to download](/data) if you would rather check it yourself first. The other questions - [Are you paying more than you need to?](/) your rate against every lender publishing one- [How fast should you pay it off?](/paying-it-off) term, extra repayments, interest only- [Don't have a loan yet?](/buying) what to look at before you pick one- [What does each lender advertise?](/lenders) every lender that publishes rates, a page each- [What moved this week?](/market/changes-this-week) which lenders changed an advertised rate- [Where do these numbers come from?](/data) every published rate, and how fresh it is **Free, and not advice.** It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. [Who made this](/about). [What this site collects](/privacy). **More from the data** Building something with this? There is [an API](/api), and [the data is free](/data). This morning: [the market](/market), [variable rates](/market/variable-rates), [fixed rates](/market/fixed-rates) and [what moved this week](/market/changes-this-week). Found in the data: [what lenders charge above 80%](/research/lvr-bands), [the rate a fixed loan rolls onto](/research/revert-rates) and [what a comparison rate adds](/research/comparison-rates). Also [what an offset costs](/research/offset-accounts), and [what investors pay on top](/research/investor-premium).