Compare Home Loans from under 3.00% & Save

Looking to save money on your home loan? There are a number of red hot offers on the market right now, so check out some of the top home loans in the table below and compare the savings.

Cheap Home Loans - page last updated July 07, 2020

Search promoted home loans below or do a full Mozo database search. Advertiser disclosure.

I want to borrow

years

  • mozo-experts-choice-2020

    2.63% p.a. variable

    2.65% p.a.

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    Details
  • mozo-experts-choice-2020

    2.59% p.a. variable

    2.59% p.a.

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    Details
  • mozo-experts-choice-2020

    2.09% p.a.
    fixed 2 years

    2.98% p.a.

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    Details
  • 2.29% p.a.
    fixed 2 years

    3.99% p.a.

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    Details
  • 2.29% p.a.
    fixed 2 years

    3.32% p.a.

      Compare
    Details
  • mozo-experts-choice-2020

    2.39% p.a. variable

    2.39% p.a.

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    Details
  • 2.18% p.a.
    fixed 2 years

    3.72% p.a.

      Compare
    Details
  • 2.69% p.a. variable

    2.69% p.a.

      Compare
    Details
  • Hot Deal$2,500 cashback when you refinance your home loan to BOQ (T&Cs apply)

    2.29% p.a.
    fixed 2 years

    3.52% p.a.

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    Details
  • 2.39% p.a. variable

    2.42% p.a.

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    Details
  • 2.19% p.a.
    fixed 3 years

    2.65% p.a.

      Compare
    Details
  • 2.94% p.a. variable

    3.34% p.a.

      Compare
    Details
  • 2.29% p.a.
    fixed 2 years

    3.82% p.a.

      Compare
    Details
  • 2.06% p.a.
    fixed 2 years

    2.49% p.a.

      Compare
    Details
  • mozo-experts-choice-2020

    2.29% p.a.
    fixed 3 years

    2.90% p.a.

      Compare
    Details
  • 2.78% p.a. variable

    2.79% p.a.

      Compare
    Details
  • mozo-experts-choice-2020

    2.59% p.a. variable

    2.55% p.a.

      Compare
    Details
  • 2.69% p.a. variable

    2.86% p.a.

      Compare
    Details
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*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

**Initial monthly repayment figures are estimates only, based on the advertised rate, loan amount and term entered. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

^See information about the Mozo Experts Choice Home Loans Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

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Home loan resources

Views, news, tips and guides to help find the home loan for you.

Home loan guides

Offset account explained

Reducing the amount of interest on your home loan takes more than just a competitive rate, as the features you choose also play an essential role.

Recent home loan tips

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Whether you’re taking things one step at a time or are building your portfolio, investing in property has the potential to secure your financial future. But that’s not to say it won’t cost you along the way - because aside from the hefty home loan deposit you’ll have to cough up, there are a number of expenses you’ll also need to budget for, from building inspections to council rates. 

Home Loan Reviews

Tic:Toc Variable Home Loan review
Overall 9/10
Competitive, but limitations as an online lender

The services, processes and the rate is pretty competitive. However, as an online lender, they don't support government support funds such as first home buyers benefits sort of things. You have to deal with it by yourself and they did not seem very knowledgeable about that, especially local state government supports. If you are good at that, tic toc is good.

Read full review

The services, processes and the rate is pretty competitive. However, as an online lender, they don't support government support funds such as first home buyers benefits sort of things. You have to deal with it by yourself and they did not seem very knowledgeable about that, especially local state government supports. If you are good at that, tic toc is good.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
8/10
Trust
9/10
Less
Yunsik, Western Australia reviewed 4 days ago
RAMS Essential Home Loan review
Overall 10/10
I love my bank.

I love my bank. My mortgage broker goes above and beyond for me. Great price, great customer service, what more could I ask for.

Read full review

I love my bank. My mortgage broker goes above and beyond for me. Great price, great customer service, what more could I ask for.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Aimee, New South Wales reviewed 9 days ago
Commonwealth Bank Standard Variable Rate (Wealth Package) review
Overall 4/10
Convenient but expensive.

Commonwealth Bank have lots of locations and fairly good customer service, however are definitely NOT the cheapest. Their home loan rates are high, they have a lot of fees, they rarely pass on any interest rate drops and they aren't flexible.

Read full review

Commonwealth Bank have lots of locations and fairly good customer service, however are definitely NOT the cheapest. Their home loan rates are high, they have a lot of fees, they rarely pass on any interest rate drops and they aren't flexible.

Price
1/10
Features
4/10
Customer service
6/10
Convenience
7/10
Trust
4/10
Less
Belinda, Queensland reviewed 9 days ago

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