Home

Compare & Save on

Home loans

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

  • 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

    4.09%

    comparison rate*

    4.09%

    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: 4.09%
    • Comparison rate*: 4.09%
    • 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

    5.2

    Based on 25 UBank home loan reviews

    Need more information?
    Find out more

    More info

  • 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

    4.09% variable for 60 months and then 3.89%

    comparison rate*

    4.30%

    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: 4.09% variable for 60 months and then 3.89%
    • Comparison rate*: 4.30%
    • 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
    Need more information?
    Find out more

    More info

  • bankmecu Low Rate Special

    bankmecu Low Rate Special

    • No upfront or monthly fees
    • Additional repayments accepted
    • Discounted rate offer extended, apply by 31 July 2015

    variable rate

    4.10%

    comparison rate*

    4.11%

    Upfront fees

    $0

    Go to site
    • No upfront or monthly fees
    • Additional repayments accepted
    • Discounted rate offer extended, apply by 31 July 2015
    Product info
    • Variable rate: 4.10%
    • Comparison rate*: 4.11%
    • 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

    Need more information?
    Find out more

    More info

  • 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

    4.10%

    comparison rate*

    4.14%

    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: 4.10%
    • Comparison rate*: 4.14%
    • 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

    Need more information?
    Find out more

    More info

  • 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

    4.14%

    comparison rate*

    4.15%

    Upfront fees

    $100

    Go to site
    • Unlimited extra repayments
    • No monthly fees
    • No application fee
    Product info
    • Variable rate: 4.14%
    • Comparison rate*: 4.15%
    • 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

    8.9

    Based on 43 Heritage Bank home loan reviews

    Need more information?
    Find out more

    More info

  • IMB Essentials Home Loan (LVR<80%)

    IMB Essentials Home Loan (LVR<80%)

    • 100% offset account
    • No monthly or annual fees
    • $0 establishment fee

    variable rate

    4.17%

    comparison rate*

    4.17%

    Upfront fees

    $0

    Go to site
    • 100% offset account
    • No monthly or annual fees
    • $0 establishment fee
    Product info
    • Variable rate: 4.17%
    • Comparison rate*: 4.17%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $50.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Minimum loan amount: $75,000
    • Maximum loan amount: $5,000,000
    • 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 7 IMB home loan reviews

    Need more information?
    Find out more

    More info

  • CUA Fresh Start Variable Home Loan

    CUA Fresh Start Variable Home Loan

    • No application fee
    • Free redraw facility for easy access to additional payments
    • No monthly fees

    variable rate

    4.18%

    comparison rate*

    4.20%

    Upfront fees

    $195

    Go to site
    • No application fee
    • Free redraw facility for easy access to additional payments
    • No monthly fees
    Product info
    • Variable rate: 4.18%
    • Comparison rate*: 4.20%
    • Upfront fees: $195
    • Ongoing fees: $0.00
    • Discharge fee: $200.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Minimum loan amount: $10,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.4

    Based on 43 CUA home loan reviews

    Need more information?
    Find out more

    More info

  • 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

    4.22% variable for 60 months and then 4.02%

    comparison rate*

    4.13%

    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: 4.22% variable for 60 months and then 4.02%
    • Comparison rate*: 4.13%
    • 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
    Need more information?
    Find out more

    More info

  • HSBC Home Value Loan

    HSBC Home Value Loan

    • Limited time only, apply by 17th July 2015
    • No monthly fees
    • Personal HSBC Relationship Manager

    variable rate

    4.23%

    comparison rate*

    4.28%

    Upfront fees

    $853

    Go to site
    • Limited time only, apply by 17th July 2015
    • No monthly fees
    • Personal HSBC Relationship Manager
    Product info
    • Variable rate: 4.23%
    • Comparison rate*: 4.28%
    • Upfront fees: $853
    • 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

    6.7

    Based on 14 HSBC home loan reviews

    Need more information?
    Find out more

    More info

  • 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

    4.24%

    comparison rate*

    4.63%

    Upfront fees

    $275

    Go to site
    • No establishment fee
    • 100% offset account
    • Free internet redraw facility
    Product info
    • Variable rate: 4.24%
    • Comparison rate*: 4.63%
    • 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

    8.8

    Based on 44 Greater Building Society home loan reviews

    Need more information?
    Find out more

    More info

  • IMB Budget Home Loan (LVR<90%)

    IMB Budget Home Loan (LVR<90%)

    • Free extra repayments
    • Free redraw facility
    • Split account available

    variable rate

    4.46%

    comparison rate*

    4.63%

    Upfront fees

    $769

    Go to site
    • Free extra repayments
    • Free redraw facility
    • Split account available
    Product info
    • Variable rate: 4.46%
    • Comparison rate*: 4.63%
    • Upfront fees: $769
    • Ongoing fees: $10.00 monthly
    • Discharge fee: $50.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Minimum loan amount: $75,000
    • Maximum loan amount: $5,000,000
    • 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 7 IMB home loan reviews

    Need more information?
    Find out more

    More info

  • 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

    4.54%

    comparison rate*

    4.94%

    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: 4.54%
    • Comparison rate*: 4.94%
    • 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

    7.6

    Based on 164 St.George home loan reviews

    Need more information?
    Find out more

    More info

  • 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

    4.67%

    comparison rate*

    4.67%

    Upfront fees

    $0

    Go to site
    • $0 upfront fees
    • No annual or monthly fees
    • Free extra repayments and redraw facility
    Product info
    • Variable rate: 4.67%
    • Comparison rate*: 4.67%
    • 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

    7.3

    Based on 392 NAB home loan reviews

    Need more information?
    Find out more

    More info

  Compare

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

Compare all home loans

Look for a specific type of home loan:

* 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.