Home Loans Mozo Experts Choice Awards 2025

Standout Winners

Australia's Best Home Lender

Tiimely Home’s ‘Tiimely Own’ loans continue to be priced competitively for a wide range of different customers love what they have to offer. This year’s major award win goes one better than the Exceptional Value Home Lender award they took out in 2024. 

Tiimely Home won awards in four different categories this year: Low Cost Home Loan, Fixed Rate Home Loan, Offset Home Loan and First Home Buyer Loan, as well as ranking well in both the Investor and Investor Fixed Rate categories.

Congratulations to:

Tiimely Home

Exceptional Value Home Lender

This award category recognises a handful of lenders who took out award wins across several categories, making them worthy of recommendation for a range of borrowers. 

The judges considered lenders who had won a Low Cost Home Loan award, and looked at how they ranked across other categories with priority given to those categories more likely to be of use to a wide range of borrowers. The outstanding performance throughout the awards of these 5 lenders makes them worthy of consideration by most borrowers

Congratulations to:

Australian Mutual Bank, Community First Bank, Newcastle Permanent, People's Choice, and Up

Low Cost Home Loan

Most people in the market are looking for a low cost home loan to keep outgoings minimal, particularly with the interest rate rises of 2023. 

For this category the Mozo judges assessed 270 variable rate loans for owner occupier borrowers making principal & interest repayments, and identified these as the lowest cost for several different loan-to-value ratios.

Congratulations to:

Australian Mutual Bank, Auswide Bank, Bank of China, BankVic, Community First Bank, Family First Bank, First Option Bank, G&C Mutual Bank, Greater Bank, Homeloans360, Homestar, MOVE Bank, Newcastle Permanent, Pacific Mortgage Group, People's Choice, Police Credit Union, Qantas Money, Qudos Bank, RACQ Bank, Summerland Bank, The Capricornian, The Mutual Bank, Tiimely Home, Unloan, and Up

Offset Home Loan

An offset option on your home loan can be a great way of saving on interest paid on your loan, yet still having the flexibility to withdraw your money when needed. Of the variable rate loans offering a 100% offset facility, the Mozo judges found that these were the lowest cost.

Congratulations to:

Australian Mutual Bank, Bank of China, Bendigo Bank, Community First Bank, Easy Street, G&C Mutual Bank, Homestar, Northern Inland Credit Union, NRMA Home Loans, People's Choice, Police Credit Union, Qantas Money, Queensland Country Bank, The Capricornian, Tiimely Home, and Up

Packaged Home Loan

To find the lowest cost package loans, the judges assessed 50 products, then identified those that were the lowest cost options where the borrower could also get a credit card and bank account that doesn’t charge any account keeping fee with that same provider.

Congratulations to:

Auswide Bank, Community First Bank, Credit Union SA, Greater Bank, ING, Macquarie, Newcastle Permanent, People's Choice, QBANK, and Queensland Country Bank

Fixed Rate Home Loan

To be considered in this category the lender has to offer at least a 1 year, a 2 year and a longer term fixed rate loan. The judges calculated the annual cost of each fixed rate term offered and averaged the results. Here are the products with the best overall fixed rate offering.

Congratulations to:

Australian Mutual Bank, Bank Australia, Bank of China, Community First Bank, Easy Street, G&C Mutual Bank, Heritage Bank, HSBC, Hume Bank, Newcastle Permanent, People's Choice, Regional Australia Bank, SWSbank, Tiimely Home, and Up

First Home Buyer Loan

First home buyers tend to have a smaller deposit, so for this category our Experts identified the lowest cost variable rate loans for those looking for a 90% LVR loan. The assessment included special offers for borrowers taking advantage of the government’s First Home Loan Deposit Scheme. For this category the Mozo judges assessed variable rate loans and identified these were the lowest cost.

Congratulations to:

Australian Mutual Bank, Community First Bank, Easy Street, Family First Bank, G&C Mutual Bank, loans.com.au, NRMA Home Loans, Police Bank, Qantas Money, The Capricornian, Tiimely Home, Unity Bank, and Up

Green Home Loan

Sustainable homes are growing in popularity as more and more Aussies are leading a greener lifestyle. Loans considered for this award must only be available to homes that have been certified with a minimum level of environmental efficiency, and of these, our Experts calculated the loans with the lowest costs.

Congratulations to:

Bank Australia

Investor Home Loan

Investment loans tend to have higher interest rates, so it’s important to shop around when looking for a lender. This year’s award assessed the products available for investors that offered both principal & interest and interest only as an option. The winners below were found to be the lowest cost options.

Congratulations to:

Bank Australia, Bank of China, Bank of us, Easy Street, Gateway Bank, Greater Bank, HSBC, Hume Bank, ME, MOVE Bank, Newcastle Permanent, and Queensland Country Bank

Investor Fixed Home Loan

For this award, we identified the lenders with the lowest costs over a range of fixed terms for investors. We assessed loan options, calculating the annual cost of each fixed rate term offered, averaging the three best results. The calculation was performed using rates applicable to both principal & interest and interest only loans.

Congratulations to:

Australian Mutual Bank, Bank Australia, Easy Street, Greater Bank, HSBC, Hume Bank, Newcastle Permanent, and The Mutual Bank