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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

  • Easy Street Basic Variable Home Loan (LVR 80% or less)

    Easy Street Basic Variable Home Loan (LVR 80% or less)

    • Powered by Community First Credit Union
    • No monthly or ongoing fees
    • Purchase, refinance, renovate or invest

    variable rate

    3.99%

    comparison rate*

    4.03%

    Upfront fees

    $500

    Go to site
    • Powered by Community First Credit Union
    • No monthly or ongoing fees
    • Purchase, refinance, renovate or invest
    Product info
    • Variable rate: 3.99%
    • Comparison rate*: 4.03%
    • Upfront fees: $500
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes-free
    • Offset account: no
    • Minimum loan amount: $100,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
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  • State Custodians Peak Performance Offset (over $500k, LVR<80%)

    State Custodians Peak Performance Offset (over $500k, LVR<80%)

    • Special discounted rate for larger loans
    • 100% offset account
    • Owner occupied and investment

    variable rate

    3.99%

    comparison rate*

    4.32%

    Upfront fees

    $275

    Go to site
    • Special discounted rate for larger loans
    • 100% offset account
    • Owner occupied and investment
    Product info
    • Variable rate: 3.99%
    • Comparison rate*: 4.32%
    • 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: $500,000
    • 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
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  • loans.com.au Dream Home Loan Essentials

    loans.com.au Dream Home Loan Essentials

    • Experts Choice Winner - Home Lender of the Year
    • No monthly fees, Redraw available
    • For purchases or refinance

    variable rate

    4.02%

    comparison rate*

    4.04%

    Upfront fees

    $520

    Go to site
    • Experts Choice Winner - Home Lender of the Year
    • No monthly fees, Redraw available
    • For purchases or refinance
    Product info
    • Variable rate: 4.02%
    • Comparison rate*: 4.04%
    • 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

    5.9

    Based on 60 loans.com.au home loan reviews

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  • UBank UHomeLoan - Real Reward Offer (Owner Occupier)

    UBank UHomeLoan - Real Reward Offer (Owner Occupier)

    • No upfront fees
    • No monthly fees
    • Quick, easy & secure online application

    variable rate

    4.09%

    comparison rate*

    4.09%

    Upfront fees

    $0

    Go to site
    • No upfront fees
    • No monthly fees
    • Quick, easy & secure online application
    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: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    5.6

    Based on 22 UBank home loan reviews

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  • Click Loans Online Saver Home Loan

    Click Loans Online Saver Home Loan

    • Same day approval
    • Complete application and verify ID online
    • Low interest rates from just 4.09%

    variable rate

    4.09%

    comparison rate*

    4.12%

    Upfront fees

    $440

    Go to site
    • Same day approval
    • Complete application and verify ID online
    • Low interest rates from just 4.09%
    Product info
    • Variable rate: 4.09%
    • Comparison rate*: 4.12%
    • Upfront fees: $440
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: no
    • Offset account: no
    • Minimum loan amount: $100,000
    • 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
    Need more information?
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  • State Custodians Standard Variable (LVR<80%)

    State Custodians Standard Variable (LVR<80%)

    • 100% offset account
    • Loyalty interest rate reduction of 0.20% after 5 years
    • Pay extra and free redraw

    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
    • Loyalty interest rate reduction of 0.20% after 5 years
    • Pay extra and free redraw
    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: $1,500,000
    • 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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  • Newcastle Permanent Discounted Variable Home Loan (LVR<80%, Owner Occupier) (Premium Plus Package)

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

    • $0 application fee
    • 100% offset facility available
    • Additional repayments and redraws at any time

    variable rate

    4.09%

    comparison rate*

    4.45%

    Upfront fees

    $0

    Go to site
    • $0 application fee
    • 100% offset facility available
    • Additional repayments and redraws at any time
    Product info
    • Variable rate: 4.09%
    • Comparison rate*: 4.45%
    • 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
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.8

    Based on 62 Newcastle Permanent home loan reviews

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  • Bankwest Super Start Home Loan (Owner Occupier)

    Bankwest Super Start Home Loan (Owner Occupier)

    • Low 3 year intro rate of 4.09%p.a. (5.02%p.a comparison rate)
    • 1.38% p.a discount off our standard variable rate for 3 years for owner occupiers
    • $0 limited time application fee (usually $695)

    variable rate

    4.09% variable for 36 months and then 5.35%

    comparison rate*

    5.02%

    Upfront fees

    $0

    Go to site
    • Low 3 year intro rate of 4.09%p.a. (5.02%p.a comparison rate)
    • 1.38% p.a discount off our standard variable rate for 3 years for owner occupiers
    • $0 limited time application fee (usually $695)
    Product info
    • Variable rate: 4.09% variable for 36 months and then 5.35%
    • Comparison rate*: 5.02%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $338.20
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: Optional - $10 monthly fee
    • Minimum loan amount: $20,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.6

    Based on 178 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 14 August 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 14 August 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

    7.6

    Based on 20 bankmecu home loan reviews

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  • bankmecu goGreen Home Loan Special

    bankmecu goGreen Home Loan Special

    • Experts Choice Winner - Best Value First, Full Feature and Variable Home Loan
    • Available to homes with a 7+ star rating according to the Nationwide House Energy Rating Scheme
    • No monthly fees and free redraw available

    variable rate

    4.10%

    comparison rate*

    4.14%

    Upfront fees

    $595

    Go to site
    • Experts Choice Winner - Best Value First, Full Feature and Variable Home Loan
    • Available to homes with a 7+ star rating according to the Nationwide House Energy Rating Scheme
    • No monthly fees and free redraw available
    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 - $8 monthly fee
    • 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

    7.6

    Based on 20 bankmecu home loan reviews

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  • CUA Fresh Start Basic Variable Home Loan (Owner Occupier)

    CUA Fresh Start Basic Variable Home Loan (Owner Occupier)

    • Low interest rate
    • Free redraw facility for easy access to additional payments
    • No monthly fees

    variable rate

    4.13%

    comparison rate*

    4.19%

    Upfront fees

    $795

    Go to site
    • Low interest rate
    • Free redraw facility for easy access to additional payments
    • No monthly fees
    Product info
    • Variable rate: 4.13%
    • Comparison rate*: 4.19%
    • Upfront fees: $795
    • Ongoing fees: $0.00
    • Discharge fee: $200.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Minimum loan amount: $10,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.3

    Based on 48 CUA home loan reviews

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  • ING DIRECT Orange Advantage (LVR<80%, Owner Occupier)

    ING DIRECT Orange Advantage (LVR<80%, Owner Occupier)

    • 100% offset facility
    • No application or monthly fees
    • For applications approved by 31 October 2015

    variable rate

    4.13%

    comparison rate*

    4.33%

    Upfront fees

    $220

    Go to site
    • 100% offset facility
    • No application or monthly fees
    • For applications approved by 31 October 2015
    Product info
    • Variable rate: 4.13%
    • Comparison rate*: 4.33%
    • 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: $500,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Fortnightly, Monthly
    Overall rating

    8.1

    Based on 87 ING DIRECT home loan reviews

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  • IMB Bank Essentials Home Loan (LVR<80%)

    IMB Bank Essentials Home Loan (LVR<80%)

    • Experts Choice Winner - Best Value Full Feature Home Loan
    • 100% offset account
    • No monthly, annual or establishment fees

    variable rate

    4.17%

    comparison rate*

    4.17%

    Upfront fees

    $0

    Go to site
    • Experts Choice Winner - Best Value Full Feature Home Loan
    • 100% offset account
    • No monthly, annual or establishment fees
    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

    7.3

    Based on 11 IMB Bank home loan reviews

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  • CUA Fresh Start Variable Home Loan

    CUA Fresh Start Variable Home Loan

    • Low interest rate
    • 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
    • Low interest rate
    • 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

    7.3

    Based on 48 CUA home loan reviews

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  • Heritage Bank Discount Variable Home Loan - Special Rate Offer (Owner Occupier)

    Heritage Bank Discount Variable Home Loan - Special Rate Offer (Owner Occupier)

    • Experts Choice Winner - Best Value Variable Home Loan
    • No monthly fees. No application fee
    • Unlimited extra repayments

    variable rate

    4.19%

    comparison rate*

    4.24%

    Upfront fees

    $700

    Go to site
    • Experts Choice Winner - Best Value Variable Home Loan
    • No monthly fees. No application fee
    • Unlimited extra repayments
    Product info
    • Variable rate: 4.19%
    • Comparison rate*: 4.24%
    • Upfront fees: $700
    • 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
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    9.0

    Based on 46 Heritage Bank home loan reviews

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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

    4.24%

    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 30 Greater Building Society 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

    4.46%

    comparison rate*

    4.47%

    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: 4.46%
    • Comparison rate*: 4.47%
    • 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 178 Bankwest home loan reviews

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  • IMB Bank Budget Home Loan (LVR<90%)

    IMB Bank 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

    7.3

    Based on 11 IMB Bank home loan reviews

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  • act. Residential Variable Home Loan

    act. Residential Variable Home Loan

    • Ethical banking. Every month, donate a portion of our profit to a social project of your choice
    • Negotiable rates
    • Free online redraw facility on all loan types

    variable rate

    4.66%

    comparison rate*

    4.81%

    Upfront fees

    $750

    Go to site
    • Ethical banking. Every month, donate a portion of our profit to a social project of your choice
    • Negotiable rates
    • Free online redraw facility on all loan types
    Product info
    • Variable rate: 4.66%
    • Comparison rate*: 4.81%
    • Upfront fees: $750
    • Ongoing fees: $8.00 monthly
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - partial only (full offset available for $5 per month)
    • 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

    3.5

    Based on 2 act. 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

    4.67%

    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 462 NAB home loan reviews

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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.