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Go!| Intro rate | Variable rate | Comparison rate* | Key features | |||
|---|---|---|---|---|---|---|
|
State Custodians's logo
State Custodians
Breathe Easy |
6.62% | 6.62% | 6.54% |
see more details |
State Custodians has a 0.15% Loyalty Bonus Rate Drop if you keep your home loan with them for more than five years. |
Like this loan? Go to site |
|
Homestar's logo
Homestar
Advantage Loan |
6.63% | 6.64% |
see more details |
No fee loan from the 2010 Non-Bank Lender of the Year. |
Like this loan? Go to site |
|
|
Mortgageport's logo
Mortgageport
Edge Loan (LVR less than 65%) |
6.19% | 6.67% |
see more details |
Loan funded by a "Big 4" bank subsidiary |
Like this loan? Go to site |
|
|
Resi's logo
Resi
Resi Smart Pro |
6.69% | 6.74% |
see more details |
Multi award winning non-bank lender that has been helping Australians for more than 25 years |
Like this loan? Go to site |
|
|
AMP's logo
AMP
Introductory Variable Rate Loan (Professional Package ) |
6.44% | 6.74% | 7.02% |
see more details |
Redraw against the loan with no minimum redraw amount. |
Like this loan? Go to site |
|
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. |
||||||
| Intro rate | Variable rate | Comparison rate* | Key features |
|---|---|---|---|
| 6.62% | 6.62% | 6.54% | State Custodians has a 0.15% Loyalty Bonus Rate Drop if you keep your home loan with them for more than five years. |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 6.7 | 6.7 | 6.4 | 6.3 | 6.1 | 6.8 |
| State Custodians home loans | 8.5 2 REVIEWS | 9.0 | 8.0 | 9.0 | 8.0 | 8.0 |
| A Mozo reviewer from New South Wales, a State Custodians home loan customer. | 9Overall Rating | ||
| The people at State Custodians are the difference, they are helpful, friendly, knowledgeable and go to any length to assist. Reviewed 20 days ago |
|
| Jill from New South Wales, a State Custodians home loan customer. | 8Overall Rating | ||
| I really liked the help I was given right at the start. The guys were great. Reviewed 6 months ago |
|
| Intro rate | Variable rate | Comparison rate* | Key features |
|---|---|---|---|
| 6.63% | 6.64% | No fee loan from the 2010 Non-Bank Lender of the Year. |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 6.7 | 6.7 | 6.4 | 6.3 | 6.1 | 6.8 |
| Homestar home loans | 6.4 5 REVIEWS | 7.0 | 6.6 | 5.8 | 3.8 | 5.4 |
| Bruce from Queensland, a Homestar home loan customer. | 9Overall Rating | ||
| Good interest rate, good loan features, easy to deal with. Reviewed 6 months ago |
|
| Julian from New South Wales, a Homestar home loan customer. | 10Overall Rating | ||
| Great product and service - i would definitely recommend HomeStar Reviewed 6 months ago |
|
| Intro rate | Variable rate | Comparison rate* | Key features |
|---|---|---|---|
| 6.19% | 6.67% | Loan funded by a "Big 4" bank subsidiary |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Intro rate | Variable rate | Comparison rate* | Key features |
|---|---|---|---|
| 6.69% | 6.74% | Multi award winning non-bank lender that has been helping Australians for more than 25 years |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 6.7 | 6.7 | 6.4 | 6.3 | 6.1 | 6.8 |
| Resi home loans | 8.0 13 REVIEWS | 7.6 | 7.9 | 7.8 | 7.3 | 7.6 |
| Sonya from New South Wales, a Resi home loan customer. | 10Overall Rating | ||
| Great and simple and nothing hidden. Reviewed 3 months ago |
|
| Shelly from Queensland, a Resi home loan customer. | 9Overall Rating | ||
| Saved us thousands of dollars. Reviewed 3 months ago |
|
| Intro rate | Variable rate | Comparison rate* | Key features |
|---|---|---|---|
| 6.44% | 6.74% | 7.02% | Redraw against the loan with no minimum redraw amount. |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 6.7 | 6.7 | 6.4 | 6.3 | 6.1 | 6.8 |
| AMP home loans | 6.7 60 REVIEWS | 6.7 | 6.4 | 6.3 | 6.1 | 6.8 |
| Maureen from Victoria, an AMP home loan customer. | 10Overall Rating | ||
| Reviewed 21 days ago |
|
| Suzanne from Tasmania, an AMP home loan customer. | 10Overall Rating | ||
| The only drawback is in Tasmania there is only the post office to deposit funds and the ATM for withdrawals or using phone banking or internet for everything else like transfers. Reviewed about 1 month ago |
|
| Variable rate | Comparison rate* | Key features | |||
|---|---|---|---|---|---|
|
State Custodians's logo
State Custodians
Breathe Easy |
6.62% | 6.54% |
see more details |
State Custodians has a 0.15% Loyalty Bonus Rate Drop if you keep your home loan with them for more than five years. |
Like this loan? Go to site |
|
Homestar's logo
Homestar
Advantage Loan |
6.63% | 6.64% |
see more details |
No fee loan from the 2010 Non-Bank Lender of the Year. |
Like this loan? Go to site |
|
MyRate.com.au's logo
MyRate.com.au
Advantage Loan |
6.63% | 6.64% |
see more details |
No fee home loans. Securely funded by ING Bank (Australia) Ltd. |
Like this loan? Go to site |
|
Mortgageport's logo
Mortgageport
Edge Loan (LVR less than 65%) |
6.19% | 6.67% |
see more details |
Loan funded by a "Big 4" bank subsidiary |
Like this loan? Go to site |
|
Resi's logo
Resi
Resi Smart Pro |
6.69% | 6.74% |
see more details |
Multi award winning non-bank lender that has been helping Australians for more than 25 years |
Like this loan? Go to site |
|
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. |
|||||
| Variable rate | Comparison rate* | Key features |
|---|---|---|
| 6.62% | 6.54% | State Custodians has a 0.15% Loyalty Bonus Rate Drop if you keep your home loan with them for more than five years. |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 8.0 | 7.6 | 7.9 | 7.8 | 7.3 | 7.6 |
| State Custodians home loans | 8.5 2 REVIEWS | 9.0 | 8.0 | 9.0 | 8.0 | 8.0 |
| A Mozo reviewer from New South Wales, a State Custodians home loan customer. | 9Overall Rating | ||
| The people at State Custodians are the difference, they are helpful, friendly, knowledgeable and go to any length to assist. Reviewed 20 days ago |
|
| Jill from New South Wales, a State Custodians home loan customer. | 8Overall Rating | ||
| I really liked the help I was given right at the start. The guys were great. Reviewed 6 months ago |
|
| Variable rate | Comparison rate* | Key features |
|---|---|---|
| 6.63% | 6.64% | No fee loan from the 2010 Non-Bank Lender of the Year. |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 8.0 | 7.6 | 7.9 | 7.8 | 7.3 | 7.6 |
| Homestar home loans | 6.4 5 REVIEWS | 7.0 | 6.6 | 5.8 | 3.8 | 5.4 |
| Bruce from Queensland, a Homestar home loan customer. | 9Overall Rating | ||
| Good interest rate, good loan features, easy to deal with. Reviewed 6 months ago |
|
| Julian from New South Wales, a Homestar home loan customer. | 10Overall Rating | ||
| Great product and service - i would definitely recommend HomeStar Reviewed 6 months ago |
|
| Variable rate | Comparison rate* | Key features |
|---|---|---|
| 6.63% | 6.64% | No fee home loans. Securely funded by ING Bank (Australia) Ltd. |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 8.0 | 7.6 | 7.9 | 7.8 | 7.3 | 7.6 |
| MyRate.com.au home loans | 9.1 29 REVIEWS | 9.4 | 8.3 | 9.2 | 8.7 | 9.2 |
| Suesan from Victoria, a MyRate.com.au home loan customer. | 9Overall Rating | ||
| Lovely, honest people to deal with, cheaper than bank loans. Great web page, easy to use, lets you pay extra of your fixed loan. Easy to read statements online. I am very happy with using MyRate. Reviewed 8 days ago |
|
| Variable rate | Comparison rate* | Key features |
|---|---|---|
| 6.19% | 6.67% | Loan funded by a "Big 4" bank subsidiary |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Variable rate | Comparison rate* | Key features |
|---|---|---|
| 6.69% | 6.74% | Multi award winning non-bank lender that has been helping Australians for more than 25 years |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 8.0 | 7.6 | 7.9 | 7.8 | 7.3 | 7.6 |
| Resi home loans | 8.0 13 REVIEWS | 7.6 | 7.9 | 7.8 | 7.3 | 7.6 |
| Sonya from New South Wales, a Resi home loan customer. | 10Overall Rating | ||
| Great and simple and nothing hidden. Reviewed 3 months ago |
|
| Shelly from Queensland, a Resi home loan customer. | 9Overall Rating | ||
| Saved us thousands of dollars. Reviewed 3 months ago |
|
| Fixed 3 year rate | Fixed 5 year rate | Comparison rate* | Key features | |||
|---|---|---|---|---|---|---|
|
Community First's logo
Community First
True Fixed |
7.09% | 7.28% |
see more details |
100% offset account, ability to make extra repayments, redraw available, and no account keeping fees |
Like this loan? Go to site |
|
|
Aussie's logo
Aussie
Standard Fixed |
7.54% | 7.79% | 7.35% |
see more details |
100s of loans. 16 lenders. Free appointment. |
Like this loan? Go to site |
|
RAMS's logo
RAMS
Fixed Rate |
6.99% | 7.49% | 7.30% |
see more details |
Fix your loan for up to 10 years |
Like this loan? Go to site |
|
AMP's logo
AMP
Fixed Rate Loan |
7.14% | 7.49% | 7.50% |
see more details |
Your choice of 1 Year Introductory, 1, 2, 3 and 5 years Fixed Rate loans. |
Like this loan? Go to site |
|
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. |
||||||
| Fixed 3 year rate | Fixed 5 year rate | Comparison rate* | Key features |
|---|---|---|---|
| 7.09% | 7.28% | 100% offset account, ability to make extra repayments, redraw available, and no account keeping fees |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 6.7 | 6.7 | 6.4 | 6.3 | 6.1 | 6.8 |
| Community First home loans | 7.0 3 REVIEWS | 6.7 | 6.3 | 6.7 | 7.3 | 7.0 |
| Nicole from New South Wales, a Community First home loan customer. | 8Overall Rating | ||
| Community First staff are always willing to inform you of cheaper rates coming Reviewed about 1 year ago |
|
| A Mozo reviewer from New South Wales, a Community First home loan customer. | 8Overall Rating | ||
| I tend to trust a credit union than a bank any day Reviewed about 1 year ago |
|
| Fixed 3 year rate | Fixed 5 year rate | Comparison rate* | Key features |
|---|---|---|---|
| 7.54% | 7.79% | 7.35% | 100s of loans. 16 lenders. Free appointment. |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 6.7 | 6.7 | 6.4 | 6.3 | 6.1 | 6.8 |
| Aussie home loans | 7.0 35 REVIEWS | 6.9 | 6.6 | 7.2 | 6.4 | 6.8 |
| Tyler from Tasmania, an Aussie home loan customer. | 10Overall Rating | ||
| I totally recommend Aussie Home Loans, they helped us when the interest rate rises started killing our finances, we were with a credit union and they really stink. Go Aussie Go. Reviewed about 1 month ago |
|
| Vanessa from South Australia, an Aussie home loan customer. | 10Overall Rating | ||
| Very Helpful staff. Reviewed 3 months ago |
|
| Fixed 3 year rate | Fixed 5 year rate | Comparison rate* | Key features |
|---|---|---|---|
| 6.99% | 7.49% | 7.30% | Fix your loan for up to 10 years |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 6.7 | 6.7 | 6.4 | 6.3 | 6.1 | 6.8 |
| RAMS home loans | 5.0 36 REVIEWS | 5.7 | 4.6 | 5.0 | 3.7 | 4.1 |
| Scott from Australian Capital Territory, a RAMS home loan customer. | 8Overall Rating | ||
| RAMS are very easy to deal with. They have very competitive rates. Reviewed about 1 month ago |
|
| Fixed 3 year rate | Fixed 5 year rate | Comparison rate* | Key features |
|---|---|---|---|
| 7.14% | 7.49% | 7.50% | Your choice of 1 Year Introductory, 1, 2, 3 and 5 years Fixed Rate loans. |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 6.7 | 6.7 | 6.4 | 6.3 | 6.1 | 6.8 |
| AMP home loans | 6.7 60 REVIEWS | 6.7 | 6.4 | 6.3 | 6.1 | 6.8 |
| Maureen from Victoria, an AMP home loan customer. | 10Overall Rating | ||
| Reviewed 21 days ago |
|
| Suzanne from Tasmania, an AMP home loan customer. | 10Overall Rating | ||
| The only drawback is in Tasmania there is only the post office to deposit funds and the ATM for withdrawals or using phone banking or internet for everything else like transfers. Reviewed about 1 month ago |
|
| Intro rate | Intro rate term | Comparison rate* | Key features | |||
|---|---|---|---|---|---|---|
|
HSBC's logo
HSBC
Variable (PowerVantage) |
5.69% | 12 Months | 6.83% |
see more details |
1.65% off the standard variable home loan rate for 12 months |
Like this loan? Go to site |
|
RAMS's logo
RAMS
Rate Relief |
6.33% | 24 Months | 6.95% |
see more details |
Get an immediate 0.9% p.a. off the standard variable rate for the first two years |
Like this loan? Go to site |
|
AMP's logo
AMP
Introductory Variable Rate Loan (Professional Package ) |
6.44% | 12 Months | 7.02% |
see more details |
Redraw against the loan with no minimum redraw amount. |
Like this loan? Go to site |
|
Mortgage House's logo
Mortgage House
Carpe Diem |
2.98% | 6 Months | 7.13% |
see more details |
Borrow up to 95% LVR, free redraws and comes with a revolving line of credit. |
Like this loan? Go to site |
|
NAB's logo
NAB
Introductory Rate - 1 yr variable |
6.15% | 12 Months | 7.29% |
see more details |
We will negotiate on your behalf with NAB to get you a better home loan deal. |
Like this loan? Proceed or call |
|
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. |
||||||
| Intro rate | Intro rate term | Comparison rate* | Key features |
|---|---|---|---|
| 5.69% | 12 Months | 6.83% | 1.65% off the standard variable home loan rate for 12 months |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 6.4 | 6.2 | 6.1 | 6.1 | 6.9 | 6.0 |
| HSBC home loans | 7.8 24 REVIEWS | 7.2 | 7.6 | 7.5 | 6.4 | 7.4 |
| Colin from New South Wales, a HSBC home loan customer. | 10Overall Rating | ||
| Great product from the bank. Does not go through a loans person. Reviewed 22 days ago |
|
| Intro rate | Intro rate term | Comparison rate* | Key features |
|---|---|---|---|
| 6.33% | 24 Months | 6.95% | Get an immediate 0.9% p.a. off the standard variable rate for the first two years |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 6.4 | 6.2 | 6.1 | 6.1 | 6.9 | 6.0 |
| RAMS home loans | 5.0 36 REVIEWS | 5.7 | 4.6 | 5.0 | 3.7 | 4.1 |
| Scott from Australian Capital Territory, a RAMS home loan customer. | 8Overall Rating | ||
| RAMS are very easy to deal with. They have very competitive rates. Reviewed about 1 month ago |
|
| Intro rate | Intro rate term | Comparison rate* | Key features |
|---|---|---|---|
| 6.44% | 12 Months | 7.02% | Redraw against the loan with no minimum redraw amount. |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 6.4 | 6.2 | 6.1 | 6.1 | 6.9 | 6.0 |
| AMP home loans | 6.7 60 REVIEWS | 6.7 | 6.4 | 6.3 | 6.1 | 6.8 |
| Maureen from Victoria, an AMP home loan customer. | 10Overall Rating | ||
| Reviewed 21 days ago |
|
| Suzanne from Tasmania, an AMP home loan customer. | 10Overall Rating | ||
| The only drawback is in Tasmania there is only the post office to deposit funds and the ATM for withdrawals or using phone banking or internet for everything else like transfers. Reviewed about 1 month ago |
|
| Intro rate | Intro rate term | Comparison rate* | Key features |
|---|---|---|---|
| 2.98% | 6 Months | 7.13% | Borrow up to 95% LVR, free redraws and comes with a revolving line of credit. |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Intro rate | Intro rate term | Comparison rate* | Key features |
|---|---|---|---|
| 6.15% | 12 Months | 7.29% | We will negotiate on your behalf with NAB to get you a better home loan deal. |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 6.4 | 6.2 | 6.1 | 6.1 | 6.9 | 6.0 |
| NAB home loans | 6.4 677 REVIEWS | 6.2 | 6.1 | 6.1 | 6.9 | 6.0 |
| A Mozo reviewer from Queensland, a NAB home loan customer. | 10Overall Rating | ||
| It all comes down to the customer service we have received from our bank manager. Reviewed 2 days ago |
|
| Variable rate | Comparison rate* | Key features | |||
|---|---|---|---|---|---|
|
State Custodians's logo
State Custodians
Breathe Easy |
6.62% | 6.54% |
see more details |
State Custodians has a 0.15% Loyalty Bonus Rate Drop if you keep your home loan with them for more than five years. |
Like this loan? Go to site |
|
MyRate.com.au's logo
MyRate.com.au
Advantage Loan |
6.63% | 6.64% |
see more details |
No fee home loans. Securely funded by ING Bank (Australia) Ltd. |
Like this loan? Go to site |
|
Mortgage House's logo
Mortgage House
Essential Offset Loan |
6.79% | 6.80% |
see more details |
No monthly or yearly fees for the life of the home loan. No application fees for a limited time only. |
Like this loan? Go to site |
|
Homestar's logo
Homestar
Advantage Loan |
6.63% | 6.64% |
see more details |
No fee loan from the non-bank lender of the year. |
Like this loan? Go to site |
|
Resi's logo
Resi
Resi Smart Pro |
6.69% | 6.74% |
see more details |
Multi award winning non-bank lender that has been helping Australians for more than 25 years |
Like this loan? Go to site |
|
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. |
|||||
| Variable rate | Comparison rate* | Key features |
|---|---|---|
| 6.62% | 6.54% | State Custodians has a 0.15% Loyalty Bonus Rate Drop if you keep your home loan with them for more than five years. |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 8.0 | 7.6 | 7.9 | 7.8 | 7.3 | 7.6 |
| State Custodians home loans | 8.5 2 REVIEWS | 9.0 | 8.0 | 9.0 | 8.0 | 8.0 |
| A Mozo reviewer from New South Wales, a State Custodians home loan customer. | 9Overall Rating | ||
| The people at State Custodians are the difference, they are helpful, friendly, knowledgeable and go to any length to assist. Reviewed 20 days ago |
|
| Jill from New South Wales, a State Custodians home loan customer. | 8Overall Rating | ||
| I really liked the help I was given right at the start. The guys were great. Reviewed 6 months ago |
|
| Variable rate | Comparison rate* | Key features |
|---|---|---|
| 6.63% | 6.64% | No fee home loans. Securely funded by ING Bank (Australia) Ltd. |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 8.0 | 7.6 | 7.9 | 7.8 | 7.3 | 7.6 |
| MyRate.com.au home loans | 9.1 29 REVIEWS | 9.4 | 8.3 | 9.2 | 8.7 | 9.2 |
| Suesan from Victoria, a MyRate.com.au home loan customer. | 9Overall Rating | ||
| Lovely, honest people to deal with, cheaper than bank loans. Great web page, easy to use, lets you pay extra of your fixed loan. Easy to read statements online. I am very happy with using MyRate. Reviewed 8 days ago |
|
| Variable rate | Comparison rate* | Key features |
|---|---|---|
| 6.79% | 6.80% | No monthly or yearly fees for the life of the home loan. No application fees for a limited time only. |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Variable rate | Comparison rate* | Key features |
|---|---|---|
| 6.63% | 6.64% | No fee loan from the non-bank lender of the year. |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 8.0 | 7.6 | 7.9 | 7.8 | 7.3 | 7.6 |
| Homestar home loans | 6.4 5 REVIEWS | 7.0 | 6.6 | 5.8 | 3.8 | 5.4 |
| Bruce from Queensland, a Homestar home loan customer. | 9Overall Rating | ||
| Good interest rate, good loan features, easy to deal with. Reviewed 6 months ago |
|
| Julian from New South Wales, a Homestar home loan customer. | 10Overall Rating | ||
| Great product and service - i would definitely recommend HomeStar Reviewed 6 months ago |
|
| Variable rate | Comparison rate* | Key features |
|---|---|---|
| 6.69% | 6.74% | Multi award winning non-bank lender that has been helping Australians for more than 25 years |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Overall | 8.0 | 7.6 | 7.9 | 7.8 | 7.3 | 7.6 |
| Resi home loans | 8.0 13 REVIEWS | 7.6 | 7.9 | 7.8 | 7.3 | 7.6 |
| Sonya from New South Wales, a Resi home loan customer. | 10Overall Rating | ||
| Great and simple and nothing hidden. Reviewed 3 months ago |
|
| Shelly from Queensland, a Resi home loan customer. | 9Overall Rating | ||
| Saved us thousands of dollars. Reviewed 3 months ago |
|
Does your home loan need a reno? Give it a health check! Grab a free personalised report on the best loans for your situation.
Health CheckOverall rating: 9 / 10
My BankWest home loan had the lowest interest rate coupled with very low fees at the time we were looking. They have easy redraw options too and with no charge for doing so.
–
David from Western Australia
| A Mozo reviewer from New South Wales, a Greater Building Society home loan customer. | 9Overall Rating | ||
| The Greater is always ready to help. The Loans Manager is a very agreeable and polite person. Within the years that we've been with the Greater (got our first home loan through them), we have had a few home loans approved and managed by them. At the present we are in our third house loan with them. There are also a few pro's like the attachment of a savings account to the loan which you don't get charged interest on and can have as many efpos transactions with no interest or charges. The interest rate is extremely competitive. Reviewed about 3 hours ago |
|
| A Mozo reviewer from New South Wales, a NAB home loan customer. | 8Overall Rating | ||
| The investment loan, known as a flexplus mortgage is an ongoing line of credit facility with an equity limit. All our rental income, share dividends and salaries go into this account and all expenses come out - as the name suggests it gives us the flexibility to add to our investment portfolio with pre-approved finance up to the specified limit. A fantastic product if you are very self-disciplined with your finances. Reviewed about 3 hours ago |
|
| A Mozo reviewer from Queensland, a BankWest home loan customer. | 10Overall Rating | ||
| We have been searching for Home loan for some time and did apply with another bank first, however we never receive the service, information and less time taken by BankWest to get the approval and sanction the loan. Also, we always had nice service at the branch with friendly smiles. Reviewed about 3 hours ago |
|
Rental costs across Australia's capital cities have risen at more than double the rate of inflation over the past five years, new research shows.
Australian homeowners looking to cash in on rising property prices by downsizing may find that the financial gain is not worth it, it has been suggested.
Crunch numbers with our handy tools
"How much will my repayments be?"
"How will rate changes affect my repayments?"
"Which home loan will cost me less?"
"How much will I save with extra repayments?"
"How much can I afford to borrow?"
"How much do I have to pay?"
With interest rates falling it’s a great time to get your first home loan or refinance your existing mortgage at a lower rate. Finding the right loan can be daunting, but Mozo is here to guide you through the home loan maze.
Our mortgage database allows you to compare home loans rates and fees with ease, and covers hundreds of loans including fixed rate loans, variable rate loans and more. You can also get the inside story on everything from customer service to hidden fees with home loan reviews by the Mozo community.
Home loan comparison
Our nifty comparison tools let you quickly filter and compare home loans according to the features you want, such as extra repayments, free redraw and offset accounts.
Once you have shortlisted the best home loans for your needs, you can compare your chosen loans side-by-side and enquire online at the lender’s website.
Finding the right home loan
Before you compare home loans, it helps to work out whether you need a loan with all the bells and whistles, or are simply after a low rate home loan with no frills.
Not all cheap home loans offer flexible features like the ability to make extra repayments and unlimited redraw. To avoid getting stuck with a loan that isn’t right for your needs, be sure to check features as well as rates and fees when you compare home loans.
Fixed rate or variable rate?
When interest rates are low, you might consider locking in all or part of your loan at a fixed interest rate. Fixed rate loans ensure that your monthly repayments remain the same for an agreed period, regardless of whether interest rates go up or down during that time.
There are some fixed rate traps to be aware of when you compare home loans. For instance most fixed rate loans do not let you make extra repayments, and many impose huge break costs should you decide to switch to a variable rate or another lender before the fixed term is up.
A split loan is a way to get the best of both worlds by fixing the rate on part of your mortgage, while keeping the rest at a variable rate and enjoying the flexibility that comes with it.










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