Sketch of a house and some home loan calculations under a coffee cup

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 - last updated 7 March 2021

Search promoted home loans below or do a full Mozo database search. Advertiser disclosure.
  • Smart Booster Home Loan

    1 Year Discounted Variable Rate, Owner Occupier, Principal & Interest, <80% LVR

    interest rate
    comparison rate
    Initial monthly repayment
    1.99% p.a.variable for 12 months and then 2.48% p.a. variable
    2.47% p.a.

    A super low introductory rate home loan with no monthly or ongoing fees. Unlimited free redraws and unlimited additional repayments to help you build your equity and own your home sooner. Multiple loan splits available. (Rates revert after introductory period ends). 20% minimum deposit required.

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  • Basic Home Loan

    Fixed, Owner Occupier, Principal & Interest, LVR 70-80%

    interest rate
    comparison rate
    Initial monthly repayment
    2.09% p.a.
    fixed 2 years
    2.56% p.a.

    Get a flexible loan structure with up to six loan accounts with different rate types. Make free extra repayments. Enjoy free redraw facility. No upfront or ongoing fees. Option to earn Qantas points.

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  • Mozo Experts Choice 2020
    Celebrate Variable Home Loan

    <60% LVR, Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.19% p.a. variable
    2.19% p.a.

    Fast online application with no fees. Free extra repayments and redraw facility. Min 40% deposit. Crowned Best New Home Loan for 2020 by the Mozo Experts.

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  • Mozo Experts Choice 2020
    UHomeLoan

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    1.75% p.a.
    fixed 3 years
    2.22% p.a.

    $0 fees and easy application with the Mozo Experts Choice Home Lender Bank of the Year. Choose between weekly, fortnightly or monthly repayments. 3 year fixed rates are for new Owner Occupier Principal & Interest loans.

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  • Mozo Experts Choice 2020
    Discount Great Rate Home Loan (Fixed, Owner Occupier, Principal & Interest)

    LVR<90%, over $150k

    interest rate
    comparison rate
    Initial monthly repayment
    1.69% p.a.
    fixed 1 year
    3.49% p.a.

    Get one of the lowest rates on the market with this fixed rate mortgage. Available with just a 10% deposit. Guarantor option available. NSW, QLD and ACT residents only. Mozo Experts Choice Awards - Home Lender Bank of the Year 2020.

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  • Star Gold Home Loan

    Owner Occupier, Principal & Interest, Refinance Only, <60% LVR

    interest rate
    comparison rate
    Initial monthly repayment
    1.79% p.a. variable
    1.84% p.a.

    An exceptional low rate for owner occupiers with 40% of more equity in their home. No ongoing fees. Unlimited additional repayments with free online redraws. loan size $150k to $750k, no construction loans. Metro Areas Only.

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  • Hot Deal$3,000 cashback when you refinance your home loan to BOQ (T&Cs apply)
    Discount Fixed Rate

    Owner Occupier, Principal & Interest, <80% LVR

    interest rate
    comparison rate
    Initial monthly repayment
    1.99% p.a.
    fixed 4 years
    2.90% p.a.

    Have the certainty of fixed repayments with a competitive rate from BOQ. Flexible repayment options available and make up to $5,000 in additional repayments annually. $3,000 cashback when you refinance your home loan to BOQ (min. $250k lending, max 80% LVR, T&Cs apply).

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    Details
  • Special Fixed Rate Home Loan

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    1.99% p.a.
    fixed 4 years
    3.45% p.a.

    Great fixed low rate. Ability to split your loan between fixed and variable. Insurance discounts and $0 credit card or personal loan fee available. Free extra repayments (up to $25,000 per year) and free redraw. Enjoy local branches and call centre.

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  • Well Balanced

    Owner Occupier, Principal & Interest, LVR <80%

    interest rate
    comparison rate
    Initial monthly repayment
    2.17% p.a. variable
    2.20% p.a.

    Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee. Purchase, Refinance or Equity Release purposes allowed.

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  • Neat Home Loan

    Owner Occupier, Principal & Interest, LVR <60%

    interest rate
    comparison rate
    Initial monthly repayment
    2.19% p.a. variable
    2.20% p.a.

    Competitive variable rate. Borrowers choose their repayment schedule (weekly, fortnightly or monthly) and can also make extra repayments. Redraw facility available. Simple online application process. 40% deposit required.

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    Details
  • Fixed Rate Home Loan

    Owner Occupier, Principal & Interest, Home Loan Package

    interest rate
    comparison rate
    Initial monthly repayment
    1.99% p.a.
    fixed 3 years
    3.64% p.a.

    A People’s Choice 3 year fixed home loan allows you to enjoy a simple, non-complicated home loan with a competitive rate. There are no restrictions to the number of loans you can combine on a package. Lock in a competitive fixed interest rate with People’s Choice.

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  • Hot Deal$3,288 cashback when you refinance your home loan to HSBC (T&Cs apply)
    Fixed Rate Home Loan

    Owner Occupier, Principal & Interest, LVR <80%

    interest rate
    comparison rate
    Initial monthly repayment
    1.88% p.a.
    fixed 2 years
    2.86% p.a.

    Ability to split your home loan between Fixed and Variable. Dedicated Relationship Manager. Refinancers borrowing $250,000 or more will receive $3288 (T&Cs, eligibility and lending criteria apply). Mozo Experts Choice Fixed Home Loan 2020 winner^

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    Details
  • Mozo Experts Choice 2020
    Fixed Rate Home Loan

    Owner Occupier, Principal & Interest, LVR<80%

    interest rate
    comparison rate
    Initial monthly repayment
    2.19% p.a.
    fixed 3 years
    2.68% p.a.

    Competitive fixed rates ranging from 2.19% (2.68% comparison rate*) across 1 to 5 year terms. No application fee or annual fee. Free extra repayments (up to $10,000 per year).

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  • Fixed Home Loan Special Offer

    Owner Occupier, Principal & Interest, <80% LVR

    interest rate
    comparison rate
    Initial monthly repayment
    1.89% p.a.
    fixed 2 years
    2.85% p.a.

    Competitive low rates starting from 1.89% (2.94% comparison rate) 2 years fixed for owner occupiers. No monthly account keeping fees & No loan establishment fee.

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    Details
  • Variable Home Loan Special

    Owner Occupier, Principal & Interest, LVR <70%

    interest rate
    comparison rate
    Initial monthly repayment
    2.09% p.a. variable
    2.12% p.a.

    Yard’s low-rate variable special home loan is packed with all features – unlimited additional repayments, free redraw, 100% offset account. Enjoy a simple online application. Special rate applies to home loan applications submitted by 31st May 2021.

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    Details
  • Mozo Experts Choice 2020
    UHomeLoan - Discount Offer

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.34% p.a. variable
    2.34% p.a.

    Enjoy a super low rate, $0 fees and easy application with the Mozo Experts Choice Home Lender Bank of the Year. Free redraw with flexible repayments. Min 20% deposit.

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  • Back to Basics Special

    LVR<80%, Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.44% p.a. variable
    2.45% p.a.

    No monthly account keeping fee, no ongoing annual fee and no loan establishment fee on new lending of $150,000 or more.

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    Details
  • Mozo Experts Choice 2020
    Liberate Variable Home Loan

    70-80% LVR, Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.29% p.a. variable
    2.23% p.a.

    Fast online application with no fees. Free extra repayments and redraw facility. Min 20% deposit. To reward borrowers for paying down their home loan, Athena will now automatically lower the rate as the loan is paid down. Crowned Best New Home Loan for 2020 by the Mozo Experts.

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    Details
  • Well Balanced Fixed

    Owner Occupier, Principal & Interest, LVR <80%

    interest rate
    comparison rate
    Initial monthly repayment
    1.99% p.a.
    fixed 2 years
    2.17% p.a.

    Super low rates from an online lender and the personal support from a family run company Free extra repayments and redraw facility. Flexible repayment schedule.

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    Details
  • Hot DealAvailable to self-employed borrowers
    Prime Home Loan

    Owner Occupier, Principal & Interest, LVR <70%

    interest rate
    comparison rate
    Initial monthly repayment
    2.44% p.a. variable
    2.49% p.a.

    Find your fit with competitive home loans for borrowers with clear credit and strong employment history. Flexible repayment terms. 20 year home loan history. Get a dedicated loan consultant for the loan application process. 30% deposit required.

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    Details
  • Neat Home Loan

    Owner Occupier, Principal & Interest, LVR 70-80%

    interest rate
    comparison rate
    Initial monthly repayment
    2.34% p.a. variable
    2.35% p.a.

    Competitive variable rate. Borrowers choose their repayment schedule (weekly, fortnightly or monthly) and can also make extra repayments. Redraw facility available. Simple online application process.

    Compare
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    Details
  • Basic Variable Home Loan

    LVR<80%, Owner Occupier, Principal and Interest, >$150k

    interest rate
    comparison rate
    Initial monthly repayment
    2.49% p.a. variable
    2.49% p.a.

    A People’s Choice Basic Variable home loan allows you to enjoy a simple, non-complicated home loan with a competitive rate and no upfront or ongoing fees. It also allows you to have the freedom to make extra repayments to pay off your loan sooner.

    Compare
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    Details
  • Discounted Variable Home Loan

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.94% p.a. variable
    3.34% p.a.

    Enjoy a great low rate with no ongoing fees. Ability to split your loan between fixed and variable. 100% offset account.

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    Details
  • Mozo Experts Choice 2020
    Smart Home Loan 80

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.48% p.a. variable
    2.50% p.a.

    A low-rate home loan that could save you thousands, with no ongoing fees plus unlimited extra repayments and free redraws. Mozo Experts Choice Low Cost Home Loan 2020. You'll need to be borrowing $1 million or less and have at least a 20% deposit required.

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    Details
  • Hot Deal$3,000 cashback when you refinance your home loan to BOQ (T&Cs apply)
    Economy Variable Home Loan

    Owner Occupier, Principal & Interest, <70% LVR

    interest rate
    comparison rate
    Initial monthly repayment
    2.59% p.a. variable
    2.76% p.a.

    An ongoing low variable interest rate with free redraw, flexible repayment options and one free valuation. Discounted Economy variable rate available for owner occupier lending with max LVR of 70%.

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    Details
  • Variable Home Loan Special

    Owner Occupier, Principal & Interest, LVR 70-80%

    interest rate
    comparison rate
    Initial monthly repayment
    2.29% p.a. variable
    2.32% p.a.

    Yard’s low-rate variable special home loan is packed with all features – unlimited additional repayments, free redraw, 100% offset account. Enjoy a simple online application. Special rate applies to home loan applications submitted by 31st May 2021.

    Compare
    Details
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^See information about the Mozo Experts Choice Home loans Awards

*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.

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 Reviews

ANZ Standard Variable Rate review
Overall 10/10
Love Anz

Have Banked with ANZ for all my life, have everything with them so does my children and families, would not bank with anyine else.

Read full review

Have Banked with ANZ for all my life, have everything with them so does my children and families, would not bank with anyine else.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Robyn, Western Australia, reviewed 2 days ago
ING Orange Advantage (Package) review
Overall 8/10
Fair/good

Great for very low to no fees. Rates are fair not fantastic. Customer service is adequate how ever they seem to run off a if you don't ask and we wont tell you anything system. You have to approach them for most things and loyalty doesn't equate to any discounts.

Read full review

Great for very low to no fees. Rates are fair not fantastic. Customer service is adequate how ever they seem to run off a if you don't ask and we wont tell you anything system. You have to approach them for most things and loyalty doesn't equate to any discounts.

Price
5/10
Features
6/10
Customer service
6/10
Convenience
9/10
Trust
8/10
Less
Tammi, Western Australia, reviewed 2 days ago
People's Choice Credit Union Home Loan review
Overall 6/10
They don't take customer needs seriously

The products are ok but not outstanding. I don't like the shortened opening hours/days for the physical branches. It is also frustrating that all branches are not open for all types of banking. Online banking is not user friendly for pmoney transfers as it mandates a 3rd party app to be able to make or schedule payments to another person. Also that 3rd party app is only for one member number. If you have two memberships you cannot use the same device eg mobile phone to transfer money to another person.

Read full review

The products are ok but not outstanding. I don't like the shortened opening hours/days for the physical branches. It is also frustrating that all branches are not open for all types of banking. Online banking is not user friendly for pmoney transfers as it mandates a 3rd party app to be able to make or schedule payments to another person. Also that 3rd party app is only for one member number. If you have two memberships you cannot use the same device eg mobile phone to transfer money to another person.

Price
7/10
Features
7/10
Customer service
5/10
Convenience
3/10
Trust
6/10
Less
Mary, Northern Territory, reviewed 2 days ago
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