Home loan reviews

Read the latest home loan reviews from the Mozo community. Thousands of Australians have reviewed their mortgage provider to give you the inside story on everything from sneaky fees to customer service.

Can we help you to refine your reviews search?

Popular review categories:

Search reviews by:

Just researching? Compare all home loans or check out our home loan guides

Write a review

Recent home loan reviews

Sort reviews by: date | helpful vote | thumbs up | thumbs down
  • NAB

    NAB home loan review

    Amazing service and adaptable products

    1. Overall customer rating
    2. (Reviewed 4 days ago)

    This bank offered us everything when shopping around for a home loan. We were offered a travelling consultant who met us at a convenient time and place and was extremely informative and knew her business perfectly. This bank also offered a huge ra...  Full review 

    This bank offered us everything when shopping around for a home loan. We were offered a travelling consultant who met us at a convenient time and place and was extremely informative and knew her business perfectly. This bank also offered a huge range of products as well as supported our choice by providing information about their products that would best suit us. Finally, they offered us the most competitive prices and rates, even offering us a complete package of savings accounts and credit cards to further reduce interest rates and maximise our savings.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    NAB home loan reviewed by Jonathon from New South Wales

    Was this review helpful? Yes flag

  • ME Bank

    ME Bank home loan review

    Fantastic, great service

    1. Overall customer rating
    2. (Reviewed 4 days ago)

    Love ME Bank. So easy to get along with and the internet banking options are great.  Full review 

    Love ME Bank. So easy to get along with and the internet banking options are great.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    ME Bank home loan reviewed by Valerie from Victoria

    Was this review helpful? Yes flag

  • Northern Inland Credit Union

    Northern Inland Credit Union home loan review

    Exceptional service

    1. Overall customer rating
    2. (Reviewed 4 days ago)

    They are regionally based with a customer service team who know each client and their needs. They go above and beyond to ensure you are being serviced correctly. I also like the personal touches such as delivering quotes to my work place to save m...  Full review 

    They are regionally based with a customer service team who know each client and their needs. They go above and beyond to ensure you are being serviced correctly. I also like the personal touches such as delivering quotes to my work place to save me time.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Northern Inland Credit Union home loan reviewed by Zoe from New South Wales

    Was this review helpful? Yes flag

  • BankSA

    BankSA home loan review

    Competent

    1. Overall customer rating
    2. (Reviewed 4 days ago)

    Bank is local, accessible, and in the main, responds to queries.  Full review 

    Bank is local, accessible, and in the main, responds to queries.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    BankSA home loan reviewed by John from South Australia

    Was this review helpful? Yes flag

  • Police Bank

    Police Bank home loan review

    Best customer service and great range of products

    1. Overall customer rating
    2. (Reviewed 4 days ago)

    A professional bank that treats you more like a family member. Always great service and friendly smiles. They will always go out of their way to help you. Great products too.  Full review 

    A professional bank that treats you more like a family member. Always great service and friendly smiles. They will always go out of their way to help you. Great products too.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Police Bank home loan reviewed by Jen from New South Wales

    Was this review helpful? Yes flag

  • NAB

    NAB home loan review

    Great customer service

    1. Overall customer rating
    2. (Reviewed 4 days ago)

    Great service, especially at the branch. Short waiting times to speak with someone, have always fixed any problems I have had.  Full review 

    Great service, especially at the branch. Short waiting times to speak with someone, have always fixed any problems I have had.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    NAB home loan reviewed by Jen

    Was this review helpful? Yes flag

  • Commonwealth Bank

    Commonwealth Bank home loan review

    So helpful during hard times

    1. Overall customer rating
    2. (Reviewed 4 days ago)

    I like this bank as they have helped with putting our loan on hold due to unemployment. They are friendly and helpful on the phone and understand the circumstances around our current situation. I can not think of any cons at the moment. People sho...  Full review 

    I like this bank as they have helped with putting our loan on hold due to unemployment. They are friendly and helpful on the phone and understand the circumstances around our current situation. I can not think of any cons at the moment. People should be aware that if they speak to them and are honest they will do what they can to help.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Commonwealth Bank home loan reviewed by Cheryl from Queensland

    Was this review helpful? Yes flag

  • Bankwest

    Bankwest home loan review

    If you're a first home buyer: BEWARE

    1. Overall customer rating
    2. (Reviewed 4 days ago)

    Initially super helpful, but as issues arise, less and less contact, i.e not answering calls or returning them and even ignoring emails with questions. Furthermore, right as it was time to build, they demanded $15,000 in my bank account in addi...  Full review 

    Initially super helpful, but as issues arise, less and less contact, i.e not answering calls or returning them and even ignoring emails with questions. Furthermore, right as it was time to build, they demanded $15,000 in my bank account in addition to my large deposit, for "minimum inclusions" such as window coverings, and landscaping etc. The worst part is I was only told about this when it came to build the house. What first home buyer has a completed house straight away? These are things first home buyers generally do themselves over time. Bankwest is effectively making it virtually impossible for many first home buyers to build. I mean, landscaping? Seriously...


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Bankwest home loan reviewed by Chris

    Was this review helpful? Yes flag

  • QANTAS Credit Union

    QANTAS Credit Union home loan review

    Crap customer service

    1. Overall customer rating
    2. (Reviewed 4 days ago)

    Changed from a big bank to Qantas and am disappointed by the service. It's impossible to get a hold of someone. Really long wait times and when you use their call back service, you don't get a call back until hours later. I thought by moving to a ...  Full review 

    Changed from a big bank to Qantas and am disappointed by the service. It's impossible to get a hold of someone. Really long wait times and when you use their call back service, you don't get a call back until hours later. I thought by moving to a credit union I would get better customer service, but instead am severely disappointed.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    QANTAS Credit Union home loan reviewed by Mrs

    Was this review helpful? Yes flag

  • Newcastle Permanent

    Newcastle Permanent home loan review

    Fabulous service

    1. Overall customer rating
    2. (Reviewed 4 days ago)

    Newcastle Permanent Building Society care for their customers and give back to the community through supporting social justice initiatives, which makes you appreciate what they are doing with some of the profits. Not a greedy corporation, look aft...  Full review 

    Newcastle Permanent Building Society care for their customers and give back to the community through supporting social justice initiatives, which makes you appreciate what they are doing with some of the profits. Not a greedy corporation, look after the "average Joe" and are always pleasant and obliging.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Newcastle Permanent home loan reviewed by Lyndell from New South Wales

    Was this review helpful? Yes flag

  • Heritage Bank

    Heritage Bank home loan review

    Happy, friendly and ready to help

    1. Overall customer rating
    2. (Reviewed 4 days ago)

    We have been very happy with Heritage as they have listened to what we wanted in a bank. They are always polite when we ring or go in to see them. We have had fixed loans but they have had an understanding ear and have been able to change the paym...  Full review 

    We have been very happy with Heritage as they have listened to what we wanted in a bank. They are always polite when we ring or go in to see them. We have had fixed loans but they have had an understanding ear and have been able to change the payments for a short time when times got rough.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Heritage Bank home loan reviewed by Tasha from Queensland

    Was this review helpful? Yes flag

  • Bank of Queensland

    Bank of Queensland home loan review

    Failed to contact me

    1. Overall customer rating
    2. (Reviewed 4 days ago)

    My house was recently repossessed so no, I cannot rate them very high. It went to auction, did not sell and has been listed. During this period the bank has failed to be in contact with me, any information has been sourced by the internet.  Full review 

    My house was recently repossessed so no, I cannot rate them very high. It went to auction, did not sell and has been listed. During this period the bank has failed to be in contact with me, any information has been sourced by the internet.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Bank of Queensland home loan reviewed by William from Queensland

    Was this review helpful? Yes flag

  • ME Bank

    ME Bank home loan review

    Low interest rates, very helpful when needed

    1. Overall customer rating
    2. (Reviewed 7 days ago)

    ME bank came to my home, explained everything thing in detail; and we paid off our home loan in five years. ME bank has always been easy to talk to and extremely helpful when things go pear shaped.  Full review 

    ME bank came to my home, explained everything thing in detail; and we paid off our home loan in five years. ME bank has always been easy to talk to and extremely helpful when things go pear shaped.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    ME Bank home loan reviewed by Kerrie ann from South Australia

    Was this review helpful? Yes flag

  • loans.com.au

    loans.com.au home loan review

    Absolutely dreadful customer service

    1. Overall customer rating
    2. (Reviewed 7 days ago)

    Absolutely dreadful customer service. They don't acknowledge receipt of paperwork. Took 7 weeks from lodgement of application to settlement. Didn't bother to contact customer if there was an issue. Needed to constantly chase them every step of the...  Full review 

    Absolutely dreadful customer service. They don't acknowledge receipt of paperwork. Took 7 weeks from lodgement of application to settlement. Didn't bother to contact customer if there was an issue. Needed to constantly chase them every step of the way to get anything happening.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    loans.com.au home loan reviewed by Tania

    Was this review helpful? Yes flag

  • firstmac

    firstmac home loan review

    Borrower beware - stay away from Firstmac

    1. Overall customer rating
    2. (Reviewed 7 days ago)

    Customer service is a big fail. Tried applying for a top up on my loan and every couple of days they would want another document or place another hurdle in the way and I was an existing lender who is not a high risk borrower - borrowing capacity, ...  Full review 

    Customer service is a big fail. Tried applying for a top up on my loan and every couple of days they would want another document or place another hurdle in the way and I was an existing lender who is not a high risk borrower - borrowing capacity, serviceability all well above requirements. Can't get out until 5 years are done or they hit me with a 1.2% of initial loan amount as a deferred establishment fee.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    firstmac home loan reviewed by Tania

    Was this review helpful? Yes flag

  • Commonwealth Bank

    Commonwealth Bank home loan review

    Convenience and fantastic customer service

    1. Overall customer rating
    2. (Reviewed 7 days ago)

    I have had my home loan with the CBA since day one, I have found all their product fees and customer service outstanding. I feel sound that my money is safe with a large reputable bank that offer great security, internet and phone customer servic...  Full review 

    I have had my home loan with the CBA since day one, I have found all their product fees and customer service outstanding. I feel sound that my money is safe with a large reputable bank that offer great security, internet and phone customer service. My children have accounts with CBA and it is safe to say CBA will be our family's number 1 bank.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Commonwealth Bank home loan reviewed by Vicki from New South Wales

    Was this review helpful? Yes flag

  • Commonwealth Bank

    Commonwealth Bank home loan review

    User friendly home loan

    1. Overall customer rating
    2. (Reviewed 7 days ago)

    Commonwealth don't use a high and low risk for postcodes for home loans so it made it a lot easier to be approved for our home loan because we live in a remote town.  Full review 

    Commonwealth don't use a high and low risk for postcodes for home loans so it made it a lot easier to be approved for our home loan because we live in a remote town.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Commonwealth Bank home loan reviewed by Simon from Victoria

    Was this review helpful? Yes flag

  • Commonwealth Bank

    Commonwealth Bank home loan review

    Features of the loan and customer service

    1. Overall customer rating
    2. (Reviewed 7 days ago)

    We have found the service when dealing with bank representatives excellent. They are always willing to assist. The interest rates and other features are more than competitive.  Full review 

    We have found the service when dealing with bank representatives excellent. They are always willing to assist. The interest rates and other features are more than competitive.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Commonwealth Bank home loan reviewed by Patricia from New South Wales

    Was this review helpful? Yes flag

  • Westpac

    Westpac home loan review

    Great loan, poor service

    1. Overall customer rating
    2. (Reviewed 7 days ago)

    Westpac was not at all helpful, I had to do most of the running around for my loan, but the loan was competitive and had great features, I am not sure I would if I had to use them again as I know other people whose banks were more helpful with the...  Full review 

    Westpac was not at all helpful, I had to do most of the running around for my loan, but the loan was competitive and had great features, I am not sure I would if I had to use them again as I know other people whose banks were more helpful with the same rates.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Westpac home loan reviewed by Sam from South Australia

    Was this review helpful? Yes flag

  • ANZ

    ANZ home loan review

    Horrendous customer service

    1. Overall customer rating
    2. (Reviewed 7 days ago)

    Their customer service is absolutely horrendous!! Pros- Lifetime free banking with an ANZ home loan Cons- Trying to get any help or information from the customer service team or representative is completely useless unless you have hours to spar...  Full review 

    Their customer service is absolutely horrendous!! Pros- Lifetime free banking with an ANZ home loan Cons- Trying to get any help or information from the customer service team or representative is completely useless unless you have hours to spare!


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    ANZ home loan reviewed by Lee from Victoria

    Was this review helpful? Yes flag

  • loans.com.au

    loans.com.au home loan review

    Cheated

    1. Overall customer rating
    2. (Reviewed 7 days ago)

    They cheated me by charging a $250 valuation fee without approving the loan application! Beware all!  Full review 

    They cheated me by charging a $250 valuation fee without approving the loan application! Beware all!


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    loans.com.au home loan reviewed by Satish

    Was this review helpful? Yes flag

  • Commonwealth Bank

    Commonwealth Bank home loan review

    Worst bank around in Australia

    1. Overall customer rating
    2. (Reviewed 7 days ago)

    CBA is probably one of the worst banks around, with very poor customer service. If I could get out of my home loan with them, I would, but it just too expensive to get out at the moment.  Full review 

    CBA is probably one of the worst banks around, with very poor customer service. If I could get out of my home loan with them, I would, but it just too expensive to get out at the moment.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Commonwealth Bank home loan reviewed by Cassandra

    Was this review helpful? Yes flag

  • ANZ

    ANZ home loan review

    Customer focus with a direct approach

    1. Overall customer rating
    2. (Reviewed 7 days ago)

    The quantity and quality of information relating to home loans is overwhelming. Terms and conditions, fixed or not interest rates, how the account is structured are all extremely important over the life of the loan. My one recommendation is to ...  Full review 

    The quantity and quality of information relating to home loans is overwhelming. Terms and conditions, fixed or not interest rates, how the account is structured are all extremely important over the life of the loan. My one recommendation is to 'do your homework'. Spend time on the website of the banks and figure out which one spells out the requirements. Email questions to whomever and gauge the interest or otherwise of the respondent. The home loan I purchased through Aussie using ANZ could not have been easier. Any further questions or concerns were dealt with professionally. It is a matter of attitude and a little moxy on your behalf to broker a good deal. Don't let your home loan become an old product. Review it often and approach ANZ for a new deal. After all it is your money and your business!


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    ANZ home loan reviewed by Meg from Queensland

    Was this review helpful? Yes flag

  • NAB

    NAB home loan review

    Looking out for your best interests

    1. Overall customer rating
    2. (Reviewed 11 days ago)

    Very convenient, with the App to allow you to transfer money from your smart phone between your accounts as well as transferring money there and then if you need to for other local banks. When looking at their home loans, they were really looking ...  Full review 

    Very convenient, with the App to allow you to transfer money from your smart phone between your accounts as well as transferring money there and then if you need to for other local banks. When looking at their home loans, they were really looking out for our best interests and not just trying to get the sale.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    NAB home loan reviewed by Agatha from New South Wales

    Was this review helpful? Yes flag

  • Bendigo Bank

    Bendigo Bank home loan review

    All services available & security checks excellent

    1. Overall customer rating
    2. (Reviewed 11 days ago)

    I can always contact my bank Branch Manager direct without having to go through a call centre. Extremely helpful staff. I have asked for a small interim loan for one month and was able to pick up the cash in hand within a few days and on a Sat...  Full review 

    I can always contact my bank Branch Manager direct without having to go through a call centre. Extremely helpful staff. I have asked for a small interim loan for one month and was able to pick up the cash in hand within a few days and on a Saturday morning at that. I have always been able to finance any investment with this bank and they have backed me all the way. The Bank is not one of the big four and that is probably the reason the service is so personalised. I would never bank with any of the big four for this reason. It is a community bank and its rates are very competitive. Twice the bank has put a hold on my account and credit cards due to what it thought may be unusual transactions on my account. I like the fact they are security conscious. It gives me confidence in my bank.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Bendigo Bank home loan reviewed by Penelope from New South Wales

    Was this review helpful? Yes flag

* 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.

What type of home loan are you looking for?

More recently reviewed home loans

  • 8.5
    based on
    16 reviews

    bankmecu home loans

    Overall rating: 8.5 (16 reviews)*

    Last reviewed: 17 July 2014


    1. Overall customer rating
    1. Price
    1. Features
    1. Customer service
    1. Convenience
    1. Trust

    * based on reviews in the past 12 months

    bankmecu home loans
  • 6.9
    based on
    9 reviews

    IMB home loans

    Overall rating: 6.9 (9 reviews)*

    Last reviewed: 07 August 2013


    1. Overall customer rating
    1. Price
    1. Features
    1. Customer service
    1. Convenience
    1. Trust

    * based on reviews in the past 12 months

    IMB home loans
  • 10.0
    based on
    2 reviews

    Mortgage House home loans

    Overall rating: 10.0 (2 reviews)*

    Last reviewed: 08 August 2013


    1. Overall customer rating
    1. Price
    1. Features
    1. Customer service
    1. Convenience
    1. Trust

    * based on reviews in the past 12 months

    Mortgage House home loans
  • 2.8
    based on
    6 reviews

    MyRate.com.au home loans

    Overall rating: 2.8 (6 reviews)*

    Last reviewed: 18 September 2013


    1. Overall customer rating
    1. Price
    1. Features
    1. Customer service
    1. Convenience
    1. Trust

    * based on reviews in the past 12 months

    MyRate.com.au home loans
  • 9.0
    based on
    1 reviews

    Illawarra Home Loans home loans

    Overall rating: 9.0 (1 reviews)*

    Last reviewed: 25 October 2013


    1. Overall customer rating
    1. Price
    1. Features
    1. Customer service
    1. Convenience
    1. Trust

    * based on reviews in the past 12 months

    Illawarra Home Loans home loans

People's Choice Awards

Every bank claims to be the smartest, happiest, friendliest - but how are you supposed to choose between them? Trust the people's choice. Mozo presents Australia's largest banking survey of more than 25,000 real customer reviews, with an honour roll of the best credit card, home loan, savings account, and of course the best bank. So what say the people?

People's Choice Awards.

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.