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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 compare home loans helping you to find the right loan quickly and easily.

Home loan comparisons on Mozo Rates updated daily

  • Mortgage House Advantage Home Loan 80 Special

    Mortgage House Advantage Home Loan 80 Special

    • Super low 3.95% variable interest rate
    • LVR up to 80%
    • Free 100% Offset Account

    variable rate

    3.95%

    comparison rate*

    3.99%

    Upfront fees

    $500

    Go to site
    • Super low 3.95% variable interest rate
    • LVR up to 80%
    • Free 100% Offset Account
    Product info
    • Variable rate: 3.95%
    • Comparison rate*: 3.99%
    • Upfront fees: $500
    • Ongoing fees: $0.00
    • Discharge fee: $450.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $350,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.5

    Based on 2 Mortgage House home loan reviews

    Need more information?
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    More info

  • HSBC Home Value Loan (Owner Occupier)

    HSBC Home Value Loan (Owner Occupier)

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Apply by 16 October 2015

    variable rate

    3.99%

    comparison rate*

    4.05%

    Upfront fees

    $853

    Go to site
    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Apply by 16 October 2015
    Product info
    • Variable rate: 3.99%
    • Comparison rate*: 4.05%
    • Upfront fees: $853
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fee is $40
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 17 HSBC home loan reviews

    Need more information?
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  • ING DIRECT Orange Advantage (LVR<80%, Owner Occupier, Principal & Interest)

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

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

    variable rate

    3.99%

    comparison rate*

    4.19%

    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: 3.99%
    • Comparison rate*: 4.19%
    • Upfront fees: $220
    • Ongoing fees: $199.00 yearly
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Fortnightly, Monthly
    Overall rating

    8.0

    Based on 82 ING DIRECT home loan reviews

    Need more information?
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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
    • Maximum loan to value ratio: 80.00%
    • 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
    Need more information?
    Go to site

    More info

  • UBank UHomeLoan - Real Reward Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Real Reward Offer (Owner Occupier, Principal & Interest)

    • 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
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    5.5

    Based on 21 UBank home loan reviews

    Need more information?
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    More info

  • Greater Building Society Great Rate Home Loan (Owner Occupier, LVR<80%, over $150k)

    Greater Building Society Great Rate Home Loan (Owner Occupier, LVR<80%, over $150k)

    • No establishment fee
    • No ongoing fee
    • Free internet redraw facility

    variable rate

    4.09%

    comparison rate*

    4.09%

    Upfront fees

    $0

    Go to site
    • No establishment fee
    • No ongoing fee
    • Free internet redraw facility
    Product info
    • Variable rate: 4.09%
    • Comparison rate*: 4.09%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • 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

    8.7

    Based on 24 Greater Building Society home loan reviews

    Need more information?
    Go to site

    More info

  • 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
    • Maximum loan to value ratio: 75.00%
    • 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?
    Go to site

    More info

  • State Custodians Standard Variable (LVR<80%)

    State Custodians Standard Variable (LVR<80%)

    • 100% offset account
    • Unlimited extra repayments and free redraw
    • Owner occupied and investment

    variable rate

    4.09%

    comparison rate*

    4.42%

    Upfront fees

    $275

    Go to site
    • 100% offset account
    • Unlimited extra repayments and free redraw
    • Owner occupied and investment
    Product info
    • Variable rate: 4.09%
    • Comparison rate*: 4.42%
    • Upfront fees: $275
    • Ongoing fees: $299.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • 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?
    Go to site

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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)

    • Switch your home loan and get $2,000 cashback
    • $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
    • Switch your home loan and get $2,000 cashback
    • $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
    • Maximum loan to value ratio: 80.00%
    • 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 52 Newcastle Permanent home loan reviews

    Need more information?
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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
    • Save with $0 loan maintenance fee

    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
    • Save with $0 loan maintenance fee
    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
    • Maximum loan to value ratio: 80.00%
    • 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

    7.7

    Based on 168 Bankwest home loan reviews

    Need more information?
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  • Bank Australia Basic Home Loan (Owner Occupier)

    Bank Australia Basic Home Loan (Owner Occupier)

    • No upfront or monthly fees
    • Redraw available
    • Option to fix full loan or split between fixed and variable

    variable rate

    4.10%

    comparison rate*

    4.11%

    Upfront fees

    $0

    Go to site
    • No upfront or monthly fees
    • Redraw available
    • Option to fix full loan or split between fixed and variable
    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
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.7

    Based on 19 Bank Australia home loan reviews

    Need more information?
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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
    • No application fee
    • Free redraw facility for easy access to additional payments

    variable rate

    4.13%

    comparison rate*

    4.19%

    Upfront fees

    $795

    Go to site
    • Low interest rate
    • No application fee
    • Free redraw facility for easy access to additional payments
    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
    • Maximum loan to value ratio: 80.00%
    • 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 46 CUA home loan reviews

    Need more information?
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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 ongoing fees
    • Unlimited extra repayments

    variable rate

    4.14%

    comparison rate*

    4.19%

    Upfront fees

    $700

    Go to site
    • Experts Choice Winner - Best Value Variable Home Loan
    • No ongoing fees
    • Unlimited extra repayments
    Product info
    • Variable rate: 4.14%
    • Comparison rate*: 4.19%
    • Upfront fees: $700
    • Ongoing fees: $0.00
    • Discharge fee: $200.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • 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

    8.9

    Based on 48 Heritage Bank home loan reviews

    Need more information?
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  • IMB Bank Essentials Home Loan (LVR<80%, Owner Occupier)

    IMB Bank Essentials Home Loan (LVR<80%, Owner Occupier)

    • 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
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $75,000
    • 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 11 IMB Bank home loan reviews

    Need more information?
    Go to site

    More info

  • CUA Fresh Start Variable Home Loan

    CUA Fresh Start Variable Home Loan

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

    variable rate

    4.18%

    comparison rate*

    4.20%

    Upfront fees

    $195

    Go to site
    • Low interest rate
    • No ongoing fees
    • Free redraw facility for easy access to additional payments
    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
    • Maximum loan to value ratio: 80.00%
    • 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 46 CUA home loan reviews

    Need more information?
    Go to site

    More info

  • NAB Base Variable Rate Home Loan (Principal & Interest)

    NAB Base Variable Rate Home Loan (Principal & Interest)

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

    variable rate

    4.28%

    comparison rate*

    4.28%

    Upfront fees

    $0

    Go to site
    • $0 upfront fees
    • No annual or monthly fees
    • Free extra repayments and redraw facility
    Product info
    • Variable rate: 4.28%
    • Comparison rate*: 4.28%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $20,000
    • 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 445 NAB home loan reviews

    Need more information?
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  • Greater Building Society Discount Ultimate Home Loan (LVR<80%, over $150K) (Package)

    Greater Building Society Discount Ultimate Home Loan (LVR<80%, over $150K) (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
    • Maximum loan to value ratio: 80.00%
    • 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

    8.7

    Based on 24 Greater Building Society home loan reviews

    Need more information?
    Go to site

    More info

  • IMB Bank Accelerator Home Loan (Owner Occupier)

    IMB Bank Accelerator Home Loan (Owner Occupier)

    • Ongoing life of loan discount off the IMB Standard Variable interest rate, with a special discount rate for the first 2 years.
    • 100% offset account
    • No monthly account keeping fees

    variable rate

    4.39% variable for 24 months and then 4.71%

    comparison rate*

    4.70%

    Upfront fees

    $769

    Go to site
    • Ongoing life of loan discount off the IMB Standard Variable interest rate, with a special discount rate for the first 2 years.
    • 100% offset account
    • No monthly account keeping fees
    Product info
    • Variable rate: 4.39% variable for 24 months and then 4.71%
    • Comparison rate*: 4.70%
    • Upfront fees: $769
    • Ongoing fees: $0.00
    • Discharge fee: $50.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $75,000
    • 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 11 IMB Bank home loan reviews

    Need more information?
    Go to site

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  • ANZ Variable Rate (Owner Occupier over $500,000, LVR<80%) (Breakfree Package)

    ANZ Variable Rate (Owner Occupier over $500,000, LVR<80%) (Breakfree Package)

    • No Loan Approval Fee
    • Offset account available
    • Free extra repayments and redraw facility available

    variable rate

    4.48%

    comparison rate*

    4.85%

    Upfront fees

    $0

    Go to site
    • No Loan Approval Fee
    • Offset account available
    • Free extra repayments and redraw facility available
    Product info
    • Variable rate: 4.48%
    • Comparison rate*: 4.85%
    • Upfront fees: $0
    • Ongoing fees: $375.00 yearly
    • Discharge fee: $160.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $500,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 623 ANZ home loan reviews

    Need more information?
    Go to site

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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.