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2Mortgage House

Mortgage House

 Verified🏆 2026mortgagehouse.com.au
2Mortgage House
4.7

3,740 reviews

Positive vs Negative
93%7%
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Loan TypeFixed Rate, Variable Rate, Line of Credit and Split
Loan used for
  • First Home
  •  · 
  • Second Home
  •  · 
  • Investment Property
  •  · 
  • Renovation
  •  · 
  • Refinancing
  •  · 
  • Home Construction
Average Loan Term26.5 years
Transparency ?
4.6
Customer Service
4.7
Application Process
4.6
Timeliness ?
4.5
Online Tools
4.4

 AI reviews summary 

Overall sentiment for Mortgage House is overwhelmingly positive, with consumers frequently highlighting the lender's ability to provide solutions for "outside the box" financial situations that traditional banks often reject. Reviewers consistently praise the high level of personal service, responsiveness, and professional guidance provided by specific lending managers. While the vast majority of experiences are seamless, a small segment of feedback identifies issues with post-settlement cost transparency and administrative delays regarding rate reviews.

Pros
Niche Lending Expertise: Highly effective at securing finance for self-employed individuals, SMSF property purchases, and complex "non-traditional" applications that were rejected by major banks.
Exceptional Communication: Lending managers are frequently praised for being proactive, returning calls promptly, and explaining technical jargon in plain English throughout the process.
Smooth Refinancing: Users report a fast and efficient experience when refinancing existing loans, often resulting in more competitive interest rates and simplified structures.
Dedicated Support: Staff members (notably Mittal, Pierre, Lachlan, and Etee) are commended for going "above and beyond" to meet tight settlement deadlines and provide personalised care.
Cons
Settlement Cost Surprises: Recurring complaints regarding unexpected extra costs, stamp duty discrepancies, and repayment increases immediately following settlement without prior written explanation.
Post-Settlement Delays: Significant delays reported when requesting rate reviews or transitioning from investment to owner-occupied status, with some requests taking months to process.
Administrative Issues: Occasional reports of poor coordination between the legal team and conveyancers, as well as difficulties with invalid contact emails for dispute resolution.
Application Fee Retention: Specific grievances regarding the lender's refusal to refund application fees even when the customer feels the process was misleading.
Verdict

Mortgage House is an excellent choice for borrowers with complex financial backgrounds or those seeking a more personalised alternative to the big four banks. Prospective clients should ensure they receive all cost agreements and fee structures in writing prior to settlement to avoid unexpected financial adjustments.

3,740 reviews
5 David Y.  · Krystyna did a great job with assisting in the lending process. It was a complicated loan however she got the job done. I will be using her in future purchases.
5 Andrina Miller  · Glenn and I are very happy with service from Pierre he is Very helpful and quick, he also listens to you Thanks Pierre for top up loan thanks
5 Azhar Al Sayfe  · Thanks Mittal for making our mortgage process simple and stress free. Always finding a solution and available to support.
5 Jamie L.  · I recently refinanced our home loan with Mortgage Hose. Pierre was very helpful in leading us through the process of organizing all that we needed.
4 Suman S.  · Mr. Mittal was really helpful in the journey and the process was smooth. I found the Rate is a bit higher though.
5 Rav  · Mittal is amazing to deal with for refinance. Mortgage house make is simple and clear
Shivakant
ShivakantNSW3 posts
 

5/5 Stars – Highly Recommend Mittal Shah! ​I recently worked with Mittal Shah from Mortgage House to secure a home loan for my investment property, and the entire experience was exceptional. Mittal was incredibly transparent, honest, and secured very competitive rates for me. ​The whole process was fast, required minimal paperwork, and resulted in… Read more ·  1

a fantastic outcome. Mittal was helpful and quick to respond every step of the way. I will definitely be returning to him for all of my future finance needs, and I highly recommend him to all my friends and family!

Reviews with attachments

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David D.
David D.2 posts
 

Pierre is a very exceptional broker who looks after his clients. I am very fortunate and privileged to be able to meet Pierre. My wife Betty and I have been working very closely with Pierre for the last three years to get our house built in Chittering Western Australia. Pierre was able to get us the best interest rate. I am very happy Pierre did a great job. We recently moved into our new house. I would like to thank Mortgage house in general. Show details ·  1

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Murray J Harris
Murray J Harris
 

Pierre Bezuidenhout recently helped me with a mortgage application and the service and support he provided was absolutely first class. My wife and I are so grateful for how clear his communication was throughout the process and I would recommend Pierre and Mortgage House to my friends and family. Excellent work Pierre! Show details ·  1

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Siva
Siva
  Verified

Lachlan, the home loan lending manager, exceeded all of my expectations throughout the entire process. From our initial consultation to the settlement of my loan, he was incredibly knowledgeable, professional, and efficient. I was impressed by his attention to detail and ability to clearly explain all of the terms and conditions of my loan.… Read more ·  1

Despite the complexity in structuring my bridging loan, he not only offered prompt and timely responses to all of my questions and concerns, but he also organised formal approval in just less than 24 hours, which was truly remarkable. His dedication to finding me the best possible rate and ensuring that I understood all of my options made the entire experience stress-free and enjoyable. I would highly recommend Lachlan to anyone in need of a home loan, as his expertise and exceptional customer service truly set him apart from others in his field. Thank you, Lachlan, and I look forward to working with you again in the future for all of my mortgage needs.

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Graham S.
Graham S.NSW
 

Big thanks to Chris Monaghan. Chris was very positive and helpful while working towards the purchase of a new home. When things got really difficult with title issues he stuck with us until we had to back away and continue our search. Chris checked in with us occasionally and when the right place came up he worked seamlessly with our conveyancer… Read more ·  1

to make the whole experience super positive for us. The Mortgage House rates were competitive and there was no unexpected costs. Highly recommended

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Michelle H.
Michelle H.NSW2 posts
 

Superior and knowledgeable mortgage experience – Pierre Bezuidenhout from Mortgage House provides a quality service experience for refinancing mortgages. Pierre has expansive knowledge and spent considerable time consulting with me and explaining the products in detail. Pierre was responsive to all my questions via phone call, text or email. The precision and detailed planning required for what… Read more ·  1

I consider to be complicated mortgages that had been joined together, are now separated exactly as Pierre explained to me. Pierre listened to my needs, explained all the available options (including the limitations) to me and kept me regularly updated. I’m a very satisfied Mortgage House customer and highly recommend Pierre to meet your mortgage needs in a professional, honest and efficient manner.

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Jaliya M
Jaliya M5 posts
 

I submitted a review on Google and these guys replied to it ( generic message) and ask me to email to discuss the matter , and that email is not even a valid email, I've rang them up and said the email is not working, they game me another email to send my request to , I haven't got a reply to that yet , what a scam , I've already lost $600 and these guys asking me to discuss the matter with fake email , I would not recommend them at all , Show details

Mortgage House
Mortgage House    

Thank you for your feedback. We sincerely… Read more

Latest follow-ups

Rubina C.
Rubina C.QLD
  Verified
Transparency
Customer Service
Application Process
Timeliness

Excellent service – We were dealing with Mittal throughout the application process. He is very professional, helpful and efficient in all his services. He worked hard for us and always kept us well informed which is key to great service. We are very happy overall and… Read more ·  1

definitely will be recommending mortgage house to our friends and families. Thank you once again Mittal.

 Follow-up  · Once again Mittal is a star, nothing is too much for him. He is patience, professional and willing to help at best of his ability. It was a bit of a tricky loan scenario, but Mittal's service was top notch. Its always a pleasure to work with you. Once again thank you Mittal :)

Allison
Allison2 posts
  Verified

Iris is awesome. The Instant rapport and the trust comes quick she is so nice, patient, clear, honest and transparent. It's such a beautiful thing to know she genuinely cares and will do what you need. No question is too hard and the best bit she acknowledges you and replies back quick She is the benchmark we all hope for Show details ·  1

 Follow-up  · Since settlement I still think Iris is awesome. I had a question about mortgage and she replied straight away. Her care factor is above and beyond

Mark
Mark
 

I was referred to Lachlan by a friend of mine, glad I was as I found him to be very easy to deal with from start to end. A true gentleman, it is hard to find this level of customer service these days, I will be sticking with Mortgage Choice as long as Lachy is with the team. Show details ·  1

 Follow-up  · No unexpected changes at any time. Lachlan continued from start to finish with a happy disposition, nothing was a problem at anytime. The fact any questions I had were answered in a friendly professional manner made the process feel easy, also no need for a mountain of paperwork back and forth during application.

In-depth reviews

Sumeet
SumeetNSW4 posts
 

I recently settled my second property through Mortgage House, and I could not be happier with the service I received from Etee Arora. If exceptional customer service had a benchmark, Etee would be it. From start to finish, she was incredibly responsive, patient, knowledgeable, and proactive. No question was ever too much trouble, and she always… Read more ·  1

took the time to explain every step of the process clearly.

What truly sets Etee apart is her dedication to achieving the best possible outcome for her clients. She went above and beyond to understand my circumstances, explore financing options, and structure a solution that worked perfectly for my needs. Her commitment, professionalism, and attention to detail gave me complete confidence throughout the entire journey.

Having dealt with multiple brokers over the years, I can confidently say that Etee is the best mortgage consultant I have worked with. She is an outstanding asset to Mortgage House, and I would not hesitate to recommend her to anyone seeking finance or refinancing assistance.

Thank you, Etee, for making what can often be a stressful process smooth, efficient, and enjoyable. I look forward to working with you again for any future financing needs.

Angelo L
Angelo L
  Verified

I certainly recommend Mortgage House, particularly to anyone who is self-employed and feels like they’re hitting a brick wall with traditional lenders and banks Because of my self-employed status, the banks just saw me as failing their Strick "Capacity to Repay" Guidelines despite having strong rental income on an unencumbered investment… Read more ·  1

property, steady self-employed income and my wife in a good permanent job. Also, get this, we were completely debt free apart from a small limit on our Credit Card

Pierre is my main point of contact at Mortgage House he actually looked at our situation properly and managed to get us an unconditional loan offer.

We finally found a property and in the process to settlement we found ourselves under a high pressure timeline. At that point in time, I did not understand the rigid compliance lending guidelines, so I put a lot of pressure on Pierre to meet our timeline obligations. He acted very quickly for us, he protected our application from a settlement delay and locked in the optimal interest rate tier.

I appreciate the expertise and diligence it took to navigate those rigid compliance parameters behind the scenes.

If your situation is even slightly 'outside the box,' don't waste time trying to reason with the “Traditional Lenders” just call these guys.

Thanks Pierre I’ll definitely be doing business with Mortgage House again

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Ren
Ren3 posts
 

I finally found a home which settled on 1 April 2026. I have been searching now for over 6 months & I was starting to think I was never going to find anything within my budget. I just want to say a big thank you to Mittal, my mortgage broker, who has stood by me through this long journey of finding a new home, in my move from Cairns to the… Read more ·  1

Sunshine Coast, and helping all along the way to get to this point. This journey has been difficult with the price of homes skyrocketing in the last 12 months on the Sunshine Coast and I could not have gotten to this final stage of the journey without your guidance & support Mittal. Through all the emails and phone calls over the last 6 months, you have been patient and helpful always and I appreciate all you have done throughout the process to get me into my new home. I am so grateful for everything you’ve done. Thank you from the bottom of my heart for helping me secure my new home. Wishing you all the very best, I will definitely be recommending you to anyone who needs a great broker!

Positive reviews

Lisa L.
Lisa L.2 posts
 

My rating is based on Mittal's communication and follow-up which was excellent. However my experience with Mortgage House overall was not as good We were surprised with extra costs at settlement. It is poor form to sign a cost agreement then have it change on settlement day with no acknowledgement or receipt in writing and no explanation. … Read more ·  1

Another difficulty was the enormous difference of stamp duty after the loan went unconditional. Further, on the day of our first payment, we received a letter stating our repayments have significantly increased.

Suchir P
Suchir P
 

We Highly Recommend Krystyna! Mortgage House We are incredibly grateful to Krystyna for her outstanding assistance during our journey to securing a new investment home and a new loan and its paraphernalia. She also made the entire reinvestment process smooth and stress-free for us with her amazing attitude and dedication. She is highly… Read more ·  1

professional, thoughtful about her clients.

Dealing with Mortgage House, we highly recommend for Krystyna personally—she goes above and beyond to deliver fantastic results!

Thank you so much, Krystyna and a lovely customer service team and hope our collaboration lasts as long as it can :)

Suchir - Ellora

suchirpandey333@gmail.com

Mark
MarkQLD
 

I have dealt with Mortgage House the past several years on loans. Pierre was amazing, with his knowledge and research to find or trying to make it for me and his insights to the property was second to none. He would also present the history and research on properties I looked at. Gosh I know I may have really pushed Pierre a few times but he stood… Read more ·  1

by me and supported me all the way, even with the settlement requirements last minute from solicitors with very little time, was able to to answer and help us resolve, thankfully, I hadn’t experienced this before on a settlement but it would have been very difficult without Pierre. I highly recommend Pierre to any future dealings and will definitely deal with Pierre in the future. The product and rate he was able to get was very good in comparison to others

Negative reviews

Mathew H.
Mathew H.VIC7 posts
 

Paid excessive rates. They could not would not compete when I had a better offer. Suspect that they're good at the start to win business and then milk customers. Show details

Mortgage House
Mortgage House    

Hi Mathew, Thank you for your feedback. We’re… Read more (+1 reply)

Sloth
Sloth28 posts
 

They are not the cheapest, which in itself is not a major issue, but they are an immovable rock completely unable to think outside their very tiny little box. Glad we never moved personal banking to them. Avoid them, there are more flexible and cheaper lenders out there! Show details

Mortgage House
Mortgage House    

Thank you for sharing your experience. We’re sorry… Read more

zhi68886
zhi68886ACT
  Verified

We moved into our investment property and contacted Mortgage House that it is NO longer an investment property. We asked for a rate review as owner occupied loans have a lower interest rate than investment. It has been almost 2 months since we informed Mortgage House and they still haven’t change our interest rate! We called again and again and… Read more

they say it’s up for management review. If there is a chance you going to move into your investment property I’d suggest you avoid Mortgage House! They are not a bank but seem to be able to determine your interest rate at their discretion. We are not having much luck at the moment.

Mortgage House
Mortgage House    

Hi there, we're so sorry to hear that you were not… Read more

Recent reviews

Shane R.
Shane R.
 

I received professional assistance from Krystyna Mustac as our mortgage manager. She has always communicated professionally and provided updates when requested. Also I was able to call her directly to discuss progress and clarify some technical terms. She always returned my phone calls if she was not available when I contacted. I highly recommend Mortgage House for anyone who is looking for various types of loans. Show details ·  1

K singh
K singhQLD2 posts
  Verified

We had an excellent experience with our mortgage broker Etee Arora from mortgage House. We bought a property under SMSF. Her team were professional, knowledgeable, and always available to answer our questions. The entire loan process was explained clearly, and they worked hard to find the best option for our needs. Their communication was… Read more ·  1

outstanding, keeping us informed every step of the way. We highly recommend their services to anyone looking for a smooth and stress-free home loan experience.

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Mohit
Mohit
 

Mittal, Senior Lending Manager at Mortgage House, made my home loan journey incredibly smooth and stress-free. From the very beginning, he demonstrated a high level of professionalism, expertise, and genuine care. What really stood out was how effortlessly he simplified what can otherwise be a complex process. His turnaround time was impressively… Read more ·  1

fast, and he kept everything moving efficiently without compromising on clarity or attention to detail.

Mittal is extremely approachable, soft-spoken, and easy to work with. He communicated every step clearly, particularly around costs and expectations, ensuring there were no surprises along the way. I always felt well-informed and confident in my decisions thanks to his guidance. I truly appreciate his dedication and support throughout the process. If you’re looking for a reliable and knowledgeable lending professional, I would highly recommend Mittal without hesitation.

Ali
Ali
 

Very happy with the services provided by Mittal Shah. I must say, I have been a picky customer however the professionalism and advice provided was top notch, specially considering the SMSF domain. Throughout my interaction, we had to pivot but we discussed the pros and cons. Always good to have an rep who has up-to-date knowledge (and compassionate towards the client) ! Thank again Mittal! Show reply

duncan s scott
duncan s scottNSW
 

Pierre was fantastic and helped us no end and nothing was a trouble for him during our refinance and new property purchase always followed up and delivered us up to date information all the way through the process would highly recomend him and mortgage house Show details ·  1

Anand
AnandNSW2 posts
 

Mitch has done a great job. He was very helpful and always ready to answer my questions. He has a good knowledge of all the products and has all the answers. It was a great experience to deal with him. I will highly recommend Mitch and Mortgage House. Show details ·  1

Amanda
AmandaNSW
 

Highly recommend. Our mortgage broker was fantastic to work with from start to finish. He was an excellent communicator, kept us informed at every stage, and made sure everything stayed on track throughout the process. He was proactive, reliable and made what could have been a stressful experience feel much more manageable. We really appreciated… Read more ·  1

his support and would happily recommend him to anyone looking for a mortgage broker. Thank you Pierre Bezuidenhout

Michelle H.
Michelle H.NSW2 posts
 

Pierre helped me to access funds to pay out my mortgage. We’ve worked together for a few years now. He’s always so reliable and meets my financial needs. Thanks again Pierre for helping me to meet my financial goals! Show details ·  1

Rakesh Patel
Rakesh PatelVIC2 posts
 

This is my second time with them. Process is very smooth and outcome is very sweet. Mittal Shah is very professional and his teams are quicker. Definitely refer family and friends. Thanks Mittal ! Cheers ! Show reply

Pierre
PierreVIC
 

I would like to thank Warren S for his wonderful service and amazing knowledge. He assisted us with our mortgage and helped us achieve our objectives. A great experience and I would not hesitate to recommend Warren and Mortgage House to my family and friends. Show details ·  1

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