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Welcome to Mozo's home loans hub. We can help save you thousands on your current loan or help you find the perfect loan for your perfect first home. Mozo has everything you need to find the right loan quickly and easily.

Home loan comparisons on MozoRates updated daily

  • Queenslanders Credit Union Ultimate Home Loan Special

    Queenslanders Credit Union Ultimate Home Loan Special

    • Free 100% offset account
    • Up to 90% of purchase price
    • Available for refinance or purchase

    variable rate

    4.28%

    comparison rate*

    4.32%

    Upfront fees

    $595

    Go to site
    • Free 100% offset account
    • Up to 90% of purchase price
    • Available for refinance or purchase
    Product info
    • Variable rate: 4.28%
    • Comparison rate*: 4.32%
    • Upfront fees: $595
    • Ongoing fees: $0.00
    • Discharge fee: $150.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Minimum loan amount: $500,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    9.2

    Based on 84 Queenslanders Credit Union home loan reviews

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  • UBank UHomeLoan - Real Reward Offer

    UBank UHomeLoan - Real Reward Offer

    • No upfront fees
    • No monthly fees
    • Apply online and get a decision in 30 minutes

    variable rate

    4.29%

    comparison rate*

    4.29%

    Upfront fees

    $0

    Go to site
    • No upfront fees
    • No monthly fees
    • Apply online and get a decision in 30 minutes
    Product info
    • Variable rate: 4.29%
    • Comparison rate*: 4.29%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Minimum loan amount: $100,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    5.3

    Based on 27 UBank home loan reviews

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  • Heritage Bank Discount Variable Home Loan - Special Rate Offer

    Heritage Bank Discount Variable Home Loan - Special Rate Offer

    • Unlimited extra repayments
    • No monthly fees
    • No application fee

    variable rate

    4.34%

    comparison rate*

    4.35%

    Upfront fees

    $100

    Go to site
    • Unlimited extra repayments
    • No monthly fees
    • No application fee
    Product info
    • Variable rate: 4.34%
    • Comparison rate*: 4.35%
    • Upfront fees: $100
    • Ongoing fees: $0.00
    • Discharge fee: $200.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • Offset account: no
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.5

    Based on 42 Heritage Bank home loan reviews

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  • State Custodians Standard Variable

    State Custodians Standard Variable

    • 100% Offset Account lets your savings work for you
    • Loyalty rate drop .20% after 5 years
    • Apply Online in your own time

    variable rate

    4.34% variable for 60 months and then 4.14%

    comparison rate*

    4.55%

    Upfront fees

    $275

    Go to site
    • 100% Offset Account lets your savings work for you
    • Loyalty rate drop .20% after 5 years
    • Apply Online in your own time
    Product info
    • Variable rate: 4.34% variable for 60 months and then 4.14%
    • Comparison rate*: 4.55%
    • Upfront fees: $275
    • Ongoing fees: $299.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Minimum loan amount: $100,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
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  • Bankwest Super Start Home Loan

    Bankwest Super Start Home Loan

    • Low 3 year intro rate of 4.34%p.a. (5.21%p.a comparison rate)
    • 1.30% p.a discount off our Standard variable rate for 3 years
    • $0 limited time application fee (usually $695)

    variable rate

    4.34% variable for 36 months and then 5.52%

    comparison rate*

    5.21%

    Upfront fees

    $0

    Go to site
    • Low 3 year intro rate of 4.34%p.a. (5.21%p.a comparison rate)
    • 1.30% p.a discount off our Standard variable rate for 3 years
    • $0 limited time application fee (usually $695)
    Product info
    • Variable rate: 4.34% variable for 36 months and then 5.52%
    • Comparison rate*: 5.21%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $338.20
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: Optional - $9 monthly fee
    • Minimum loan amount: $20,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.6

    Based on 143 Bankwest home loan reviews

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  • bankmecu Low Rate Special

    bankmecu Low Rate Special

    • No upfront or monthly fees
    • Additional repayments accepted
    • Discounted rate offer extended, apply by 30 June 2015

    variable rate

    4.35%

    comparison rate*

    4.36%

    Upfront fees

    $0

    Go to site
    • No upfront or monthly fees
    • Additional repayments accepted
    • Discounted rate offer extended, apply by 30 June 2015
    Product info
    • Variable rate: 4.35%
    • Comparison rate*: 4.36%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • Offset account: no
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.4

    Based on 18 bankmecu home loan reviews

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  • bankmecu goGreen Home Loan Special

    bankmecu goGreen Home Loan Special

    • Available to homes with a 7+ star rating according to the Nationwide House Energy Rating Scheme
    • Free redraw available
    • No monthly fees

    variable rate

    4.35%

    comparison rate*

    4.39%

    Upfront fees

    $595

    Go to site
    • Available to homes with a 7+ star rating according to the Nationwide House Energy Rating Scheme
    • Free redraw available
    • No monthly fees
    Product info
    • Variable rate: 4.35%
    • Comparison rate*: 4.39%
    • Upfront fees: $595
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Minimum loan amount: $10,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.4

    Based on 18 bankmecu home loan reviews

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  • Bank of Queensland Clear Path Variable Rate Home Loan

    Bank of Queensland Clear Path Variable Rate Home Loan

    • No application fee
    • Free redraw
    • 100% mortgage offset facility

    variable rate

    4.45%

    comparison rate*

    4.58%

    Upfront fees

    $150

    Go to site
    • No application fee
    • Free redraw
    • 100% mortgage offset facility
    Product info
    • Variable rate: 4.45%
    • Comparison rate*: 4.58%
    • Upfront fees: $150
    • Ongoing fees: $10.00 monthly
    • Discharge fee: $150.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Minimum loan amount:
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.9

    Based on 99 Bank of Queensland home loan reviews

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  • State Custodians Breathe Easy

    State Custodians Breathe Easy

    • 100% Offset Account lets your savings work for you
    • Loyalty rate drop .20% after 5 years
    • Set up the loan the way you want

    variable rate

    4.47% variable for 60 months and then 4.27%

    comparison rate*

    4.38%

    Upfront fees

    $275

    Go to site
    • 100% Offset Account lets your savings work for you
    • Loyalty rate drop .20% after 5 years
    • Set up the loan the way you want
    Product info
    • Variable rate: 4.47% variable for 60 months and then 4.27%
    • Comparison rate*: 4.38%
    • Upfront fees: $275
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Minimum loan amount: $100,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
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  • HSBC Home Value Loan

    HSBC Home Value Loan

    • Limited time only, apply by 30th April 2015
    • No establishment fee
    • Personal HSBC Relationship Manager

    variable rate

    4.48%

    comparison rate*

    4.50%

    Upfront fees

    $253

    Go to site
    • Limited time only, apply by 30th April 2015
    • No establishment fee
    • Personal HSBC Relationship Manager
    Product info
    • Variable rate: 4.48%
    • Comparison rate*: 4.50%
    • Upfront fees: $253
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fee is $40
    • Offset account: no
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    6.9

    Based on 13 HSBC home loan reviews

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  • Real Home Loans Variable Rate Home Loan

    Real Home Loans Variable Rate Home Loan

    • Borrow up to $1,000,000
    • Fast approval over the phone
    • Speak to a dedicated home loans specialist

    variable rate

    4.49%

    comparison rate*

    4.49%

    Upfront fees

    $363

    Go to site
    • Borrow up to $1,000,000
    • Fast approval over the phone
    • Speak to a dedicated home loans specialist
    Product info
    • Variable rate: 4.49%
    • Comparison rate*: 4.49%
    • Upfront fees: $363
    • Ongoing fees: $0.00
    • Discharge fee: $400.00
    • Extra repayments: yes
    • Redraw facility: yes - free
    • Offset account: no
    • Minimum loan amount: $150,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • Greater Building Society Discount Ultimate Home Loan (LVR<80%, over $300K) (Package)

    Greater Building Society Discount Ultimate Home Loan (LVR<80%, over $300K) (Package)

    • No establishment fee
    • 100% offset account
    • Free internet redraw facility

    variable rate

    4.49%

    comparison rate*

    4.87%

    Upfront fees

    $275

    Go to site
    • No establishment fee
    • 100% offset account
    • Free internet redraw facility
    Product info
    • Variable rate: 4.49%
    • Comparison rate*: 4.87%
    • Upfront fees: $275
    • Ongoing fees: $375.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: yes
    • Minimum loan amount: $300,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.6

    Based on 45 Greater Building Society home loan reviews

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  • ING DIRECT Orange Advantage (LVR<80%)

    ING DIRECT Orange Advantage (LVR<80%)

    • 100% offset facility
    • No application or monthly fees

    variable rate

    4.54%

    comparison rate*

    4.73%

    Upfront fees

    $220

    Go to site
    • 100% offset facility
    • No application or monthly fees
    Product info
    • Variable rate: 4.54%
    • Comparison rate*: 4.73%
    • Upfront fees: $220
    • Ongoing fees: $199.00 yearly
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: yes
    • Minimum loan amount: $150,000
    • Maximum loan amount: $499,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Fortnightly, Monthly
    Overall rating

    8.2

    Based on 71 ING DIRECT home loan reviews

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  • BCU OMG Home Loan

    BCU OMG Home Loan

    • Redraw facility available
    • Express 30 minutes pre-approvals
    • Plus Save $900, no establishment fee

    variable rate

    4.58%

    comparison rate*

    4.83%

    Upfront fees

    $0

    Go to site
    • Redraw facility available
    • Express 30 minutes pre-approvals
    • Plus Save $900, no establishment fee
    Product info
    • Variable rate: 4.58%
    • Comparison rate*: 4.83%
    • Upfront fees: $0
    • Ongoing fees: $198.00 yearly
    • Discharge fee: $395.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • Offset account: no
    • Minimum loan amount: $100,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.3

    Based on 6 BCU home loan reviews

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  • Bankwest Online Home Loan

    Bankwest Online Home Loan

    • Exclusive offer for online applications
    • Save $695 with $0 online application fee. Limited time only
    • No ongoing monthly loan maintenance fees

    variable rate

    4.63%

    comparison rate*

    4.64%

    Upfront fees

    $0

    Go to site
    • Exclusive offer for online applications
    • Save $695 with $0 online application fee. Limited time only
    • No ongoing monthly loan maintenance fees
    Product info
    • Variable rate: 4.63%
    • Comparison rate*: 4.64%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $338.20
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Minimum loan amount: $100,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.6

    Based on 143 Bankwest home loan reviews

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  • Greater Building Society Ultimate Home Loan (Package)

    Greater Building Society Ultimate Home Loan (Package)

    • 100% offset account
    • Free internet redraw facility
    • Free extra repayments

    variable rate

    4.69%

    comparison rate*

    5.05%

    Upfront fees

    $275

    Go to site
    • 100% offset account
    • Free internet redraw facility
    • Free extra repayments
    Product info
    • Variable rate: 4.69%
    • Comparison rate*: 5.05%
    • Upfront fees: $275
    • Ongoing fees: $375.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: yes
    • Minimum loan amount: $40,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.6

    Based on 45 Greater Building Society home loan reviews

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  • St.George Variable Home Loan (Advantage Package)

    St.George Variable Home Loan (Advantage Package)

    • No home loan establishment fee (usually $600)
    • $0 annual fee on credit cards for the life of the Advantage package
    • No monthly loan administration fee

    variable rate

    4.74%

    comparison rate*

    5.13%

    Upfront fees

    $100

    Go to site
    • No home loan establishment fee (usually $600)
    • $0 annual fee on credit cards for the life of the Advantage package
    • No monthly loan administration fee
    Product info
    • Variable rate: 4.74%
    • Comparison rate*: 5.13%
    • Upfront fees: $100
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Minimum loan amount: $500,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.5

    Based on 152 St.George home loan reviews

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  • Bank of Melbourne Variable Home Loan (Advantage Package) (Advantage Package)

    Bank of Melbourne Variable Home Loan (Advantage Package) (Advantage Package)

    • Able to redraw funds from your extra payments
    • Choice of terms up to 30 years
    • $0 establishment fee with Advantage Package

    variable rate

    4.75%

    comparison rate*

    5.14%

    Upfront fees

    $100

    Go to site
    • Able to redraw funds from your extra payments
    • Choice of terms up to 30 years
    • $0 establishment fee with Advantage Package
    Product info
    • Variable rate: 4.75%
    • Comparison rate*: 5.14%
    • Upfront fees: $100
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $350.00
    • Extra repayments: yes
    • Redraw facility: yes - free
    • Offset account: yes
    • Minimum loan amount: $500,000
    • Maximum loan amount: $999,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    6.7

    Based on 38 Bank of Melbourne home loan reviews

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  • Westpac Rocket Repay Home Loan (Premier Advantage Package)

    Westpac Rocket Repay Home Loan (Premier Advantage Package)

    • 100% off set account
    • Flexible features - Redraw, top-up and multiple access methods
    • Discount of up to 1% p.a. with a Premier Advantage Package with a Westpac Choice Transaction Account *conditions apply

    variable rate

    4.80%

    comparison rate*

    5.18%

    Upfront fees

    $0

    Go to site
    • 100% off set account
    • Flexible features - Redraw, top-up and multiple access methods
    • Discount of up to 1% p.a. with a Premier Advantage Package with a Westpac Choice Transaction Account *conditions apply
    Product info
    • Variable rate: 4.80%
    • Comparison rate*: 5.18%
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Minimum loan amount: $250,000
    • Maximum loan amount: $749,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.4

    Based on 395 Westpac home loan reviews

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  • NAB Base Variable Rate Home Loan

    NAB Base Variable Rate Home Loan

    • $0 upfront fees
    • No annual or monthly fees
    • Free extra repayments and redraw facility

    variable rate

    4.87%

    comparison rate*

    4.87%

    Upfront fees

    $0

    Go to site
    • $0 upfront fees
    • No annual or monthly fees
    • Free extra repayments and redraw facility
    Product info
    • Variable rate: 4.87%
    • Comparison rate*: 4.87%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Minimum loan amount: $20,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 369 NAB home loan reviews

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  Compare

Want more? Compare all 554 home loans in the Mozo comparison engine.

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* 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 a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. 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.