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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

  • loans.com.au Dream Home Loan Essentials

    loans.com.au Dream Home Loan Essentials

    • Redraw available
    • For purchases or refinance
    • No monthly fees

    variable rate

    4.23%

    comparison rate*

    4.25%

    Upfront fees

    $520

    Go to site
    • Redraw available
    • For purchases or refinance
    • No monthly fees
    Product info
    • Variable rate: 4.23%
    • Comparison rate*: 4.25%
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Minimum loan amount: $50,000
    • Maximum loan amount: $750,000
    • 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 107 loans.com.au home loan reviews

    More info

  • Mortgage View Variable Rate Super Special

    Mortgage View Variable Rate Super Special

    • One of the lowest variable rates in Australia
    • 100% Full Offset Account
    • Zero ongoing fees for the life of the loan

    variable rate

    4.27%

    comparison rate*

    4.28%

    Upfront fees

    $150

    Go to site
    • One of the lowest variable rates in Australia
    • 100% Full Offset Account
    • Zero ongoing fees for the life of the loan
    Product info
    • Variable rate: 4.27%
    • Comparison rate*: 4.28%
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes
    • Redraw facility: yes - free
    • Offset account: yes
    • Minimum loan amount: $150,000
    • Maximum loan amount: $1,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly

    More info

  • 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

    More info

  • iMortgage Essential Home Loan

    iMortgage Essential Home Loan

    • $0 application, legal and valuation fees
    • No ongoing fees
    • Free redraw

    variable rate

    4.29%

    comparison rate*

    4.31%

    Upfront fees

    $150

    Go to site
    • $0 application, legal and valuation fees
    • No ongoing fees
    • Free redraw
    Product info
    • Variable rate: 4.29%
    • Comparison rate*: 4.31%
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $425.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Minimum loan amount: $50,000
    • Maximum loan amount: $750,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    6.3

    Based on 3 iMortgage home loan reviews

    More info

  • Newcastle Permanent Discounted Variable Home Loan (LVR<80%) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (LVR<80%) (Premium Plus Package)

    • Limited time offer of $1,000 cashback
    • 100% offset facility available
    • Additional repayments and redraws at any time

    variable rate

    4.29%

    comparison rate*

    4.64%

    Upfront fees

    $0

    Go to site
    • Limited time offer of $1,000 cashback
    • 100% offset facility available
    • Additional repayments and redraws at any time
    Product info
    • Variable rate: 4.29%
    • Comparison rate*: 4.64%
    • Upfront fees: $0
    • Ongoing fees: $375.00 yearly
    • Discharge fee:
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Minimum loan amount: $250,000
    • 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 56 Newcastle Permanent home loan reviews

    More info

  • Bankwest Super Start Home Loan

    Bankwest Super Start Home Loan

    • Low 3 year intro rate of 4.34%p.a. (5.20%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*

    5.20%

    Upfront fees

    $0

    Go to site
    • Low 3 year intro rate of 4.34%p.a. (5.20%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*: 5.20%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $328.00
    • 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

    More info

  • 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

    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

    4.35%

    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

    More info

  • AMP Essential Home Loan

    AMP Essential Home Loan

    • Competitive variable rate
    • Additional repayments anytime
    • Waived establishment & settlement fees

    variable rate

    4.40%

    comparison rate*

    4.42%

    Upfront fees

    $295

    Go to site
    • Competitive variable rate
    • Additional repayments anytime
    • Waived establishment & settlement fees
    Product info
    • Variable rate: 4.40%
    • Comparison rate*: 4.42%
    • Upfront fees: $295
    • Ongoing fees: $0.00
    • Discharge fee: $100.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Minimum loan amount: $40,000
    • 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

    6.9

    Based on 21 AMP home loan reviews

    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

    4.42%

    comparison rate*

    4.42%

    Upfront fees

    $0

    Go to site
    • 100% offset account
    • No monthly or annual fees
    • $0 establishment fee
    Product info
    • Variable rate: 4.42%
    • Comparison rate*: 4.42%
    • 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

    8.1

    Based on 9 IMB home loan reviews

    More info

  • HSBC Home Value Loan

    HSBC Home Value Loan

    • Limited time only, apply by 10th 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 10th 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

    More info

  • 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

    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

    4.49%

    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

    More info

  • Newcastle Permanent Variable Home Loan (LVR<90%) (Premium Plus Package)

    Newcastle Permanent Variable Home Loan (LVR<90%) (Premium Plus Package)

    • Limited time offer of $1,000 cashback
    • 100% offset facility available
    • Additional repayments and redraws at any time

    variable rate

    4.62%

    comparison rate*

    4.98%

    Upfront fees

    $0

    Go to site
    • Limited time offer of $1,000 cashback
    • 100% offset facility available
    • Additional repayments and redraws at any time
    Product info
    • Variable rate: 4.62%
    • Comparison rate*: 4.98%
    • Upfront fees: $0
    • Ongoing fees: $375.00 yearly
    • Discharge fee:
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Minimum loan amount: $5,000
    • 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 56 Newcastle Permanent home loan reviews

    More info

  • 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: $328.00
    • 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

    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

    4.66%

    comparison rate*

    4.83%

    Upfront fees

    $769

    Go to site
    • Free extra repayments
    • Free redraw facility
    • Split account available
    Product info
    • Variable rate: 4.66%
    • Comparison rate*: 4.83%
    • 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

    8.1

    Based on 9 IMB home loan reviews

    More info

  • 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

    More info

  • AMP Variable Rate Loan (Basic Package)

    AMP Variable Rate Loan (Basic Package)

    • Additional repayments anytime
    • 100% offset account available with variable rate loans
    • Up to 10 account splits on fixed or variable rates

    variable rate

    4.70%

    comparison rate*

    4.74%

    Upfront fees

    $545

    Go to site
    • Additional repayments anytime
    • 100% offset account available with variable rate loans
    • Up to 10 account splits on fixed or variable rates
    Product info
    • Variable rate: 4.70%
    • Comparison rate*: 4.74%
    • Upfront fees: $545
    • Ongoing fees: $0.00
    • Discharge fee: $100.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: yes
    • Minimum loan amount: $40,000
    • 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

    6.9

    Based on 21 AMP home loan reviews

    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

    4.74%

    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

    More info

  • Bank of Melbourne Variable Home Loan (Advantage Package)

    Bank of Melbourne Variable Home Loan (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

    More info

  • 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

    More info

  Compare

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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.