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Home Loans

  • Mozo's expert home loan comparisons can help you save thousands by finding the best home loan rates and features for your needs. We compare over 500 home loans from 80 lenders to help you find the right loan quickly and easily.

Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2016

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    • A no-bells-and-whistles loan with a super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.66% p.a.

    Upfront fees

    $520

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    More info

    • A no-bells-and-whistles loan with a super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • 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: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 202 loans.com.au home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

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

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

    • Experts Choice Winner - Home Loans 2016
    • No monthly fees
    • 20% minimum deposit required

    interest rate

    3.74% p.a. variable

    comparison rate*

    3.74% p.a.

    Upfront fees

    $0

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    More info

    • Experts Choice Winner - Home Loans 2016
    • No monthly fees
    • 20% minimum deposit required
    • Interest rate: 3.74% p.a. variable
    • Comparison rate*: 3.74% p.a.
    • 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

    4.8

    Based on 56 UBank home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    BCU OMG Home Loan (Owner Occupier)

    BCU OMG Home Loan (Owner Occupier)

    • Make it happen with Experts Choice Winner - Home Loan Credit Union of the Year 2017
    • Choose Principal and Interest or Interest Only options for your bcu OMG loan
    • With redraw facility available and easy pre-approval valid for 3 months, we will make it happen. Apply online now

    interest rate

    3.84% p.a. variable

    comparison rate*

    4.09% p.a.

    Upfront fees

    $900

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    More info

    • Make it happen with Experts Choice Winner - Home Loan Credit Union of the Year 2017
    • Choose Principal and Interest or Interest Only options for your bcu OMG loan
    • With redraw facility available and easy pre-approval valid for 3 months, we will make it happen. Apply online now
    • Interest rate: 3.84% p.a. variable
    • Comparison rate*: 4.09% p.a.
    • Upfront fees: $900
    • Ongoing fees: $198.00 yearly
    • Discharge fee: $395.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.9

    Based on 13 BCU home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    • Experts Choice - Home Lender of the Year 2016
    • $0 application fee. 100% offset facility available
    • Additional repayments and redraws at any time

    interest rate

    3.84% p.a. variable

    comparison rate*

    4.22% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Experts Choice - Home Lender of the Year 2016
    • $0 application fee. 100% offset facility available
    • Additional repayments and redraws at any time
    • Interest rate: 3.84% p.a. variable
    • Comparison rate*: 4.22% p.a.
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee:
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • 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

    8.5

    Based on 80 Newcastle Permanent home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    Bank Australia Basic Home Loan (LVR<80%, Owner Occupier)

    Bank Australia Basic Home Loan (LVR<80%, Owner Occupier)

    • Option to fix full loan or split between fixed and variable
    • Redraw available. Flexible repayments
    • Loan repayment pause available

    interest rate

    3.86% p.a. variable

    comparison rate*

    3.90% p.a.

    Upfront fees

    $595

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    More info

    • Option to fix full loan or split between fixed and variable
    • Redraw available. Flexible repayments
    • Loan repayment pause available
    • Interest rate: 3.86% p.a. variable
    • Comparison rate*: 3.90% p.a.
    • Upfront fees: $595
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • 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:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.7

    Based on 35 Bank Australia home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    Hunter United A Breath of Fresh Air Home Loan (Owner Occupied, LVR<90%)

    Hunter United A Breath of Fresh Air Home Loan (Owner Occupied, LVR<90%)

    • $0 application fee for loans over $300k
    • 100% offset facility & 1 free redraw per month
    • Experience the customer-owned difference

    interest rate

    3.87% p.a. variable

    comparison rate*

    3.97% p.a.

    Upfront fees

    $200

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    More info

    • $0 application fee for loans over $300k
    • 100% offset facility & 1 free redraw per month
    • Experience the customer-owned difference
    • Interest rate: 3.87% p.a. variable
    • Comparison rate*: 3.97% p.a.
    • Upfront fees: $200
    • Ongoing fees: $8.00 monthly
    • Discharge fee: $80.00
    • Extra repayments: yes
    • Redraw facility: yes - 1st redraw per month free
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $300,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    9.7

    Based on 3 Hunter United home loan reviews

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  • QT Mutual Bank Mortgage Saver (Owner Occupier)

    QT Mutual Bank Mortgage Saver (Owner Occupier)

    • Owner occupiers in Queensland only
    • Unlimited repayments at no extra cost and redraw
    • Borrow up to 95% of the property value, ideal for first-time buyers & young families

    interest rate

    3.95% p.a. variable

    comparison rate*

    3.95% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Owner occupiers in Queensland only
    • Unlimited repayments at no extra cost and redraw
    • Borrow up to 95% of the property value, ideal for first-time buyers & young families
    • Interest rate: 3.95% p.a. variable
    • Comparison rate*: 3.95% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $297.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • 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
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.4

    Based on 12 QT Mutual Bank home loan reviews

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  • Greater Bank Discount Great Rate Home Loan (Owner Occupier, LVR<85%, over $150k)

    Greater Bank Discount Great Rate Home Loan (Owner Occupier, LVR<85%, over $150k)

    • Experts Choice Winner 2016
    • No ongoing fee. No establishment fee. Free internet redraw facility
    • NSW, QLD, ACT customers only

    interest rate

    3.99% p.a. variable

    comparison rate*

    3.99% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Experts Choice Winner 2016
    • No ongoing fee. No establishment fee. Free internet redraw facility
    • NSW, QLD, ACT customers only
    • Interest rate: 3.99% p.a. variable
    • Comparison rate*: 3.99% p.a.
    • 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: 85.00%
    • 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

    8.6

    Based on 62 Greater Bank home loan reviews

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  • Heritage Bank Discount Variable Home Loan Special (Owner Occupier)

    Heritage Bank Discount Variable Home Loan Special (Owner Occupier)

    • Experts Choice Winner - Best Value Variable Home Loan
    • No ongoing fees
    • Unlimited extra repayments

    interest rate

    3.99% p.a. variable

    comparison rate*

    4.04% p.a.

    Upfront fees

    $750

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    More info

    • Experts Choice Winner - Best Value Variable Home Loan
    • No ongoing fees
    • Unlimited extra repayments
    • Interest rate: 3.99% p.a. variable
    • Comparison rate*: 4.04% p.a.
    • Upfront fees: $750
    • 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: 90.00%
    • 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

    8.4

    Based on 78 Heritage Bank home loan reviews

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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 ongoing fees
    • Free redraw facility for easy access to additional payments

    interest rate

    3.99% p.a. variable

    comparison rate*

    4.04% p.a.

    Upfront fees

    $795

    Go to site

    More info

    • Low interest rate
    • No ongoing fees
    • Free redraw facility for easy access to additional payments
    • Interest rate: 3.99% p.a. variable
    • Comparison rate*: 4.04% p.a.
    • 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: 90.00%
    • 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

    7.8

    Based on 89 CUA home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    ME Flexible Home Loan (Fixed, Owner Occupier)

    ME Flexible Home Loan (Fixed, Owner Occupier)

    • Option to split your loan into fixed and variable
    • Offset available & no fees to redraw
    • Meet a mobile banker at a time or place that suits you

    interest rate

    4.09% p.a.
    fixed 2 years

    comparison rate*

    4.88% p.a.

    Upfront fees

    $400

    Go to site

    More info

    • Option to split your loan into fixed and variable
    • Offset available & no fees to redraw
    • Meet a mobile banker at a time or place that suits you
    • Interest rate: 4.09% p.a.
      fixed 2 years
    • Comparison rate*: 4.88% p.a.
    • Upfront fees: $400
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free up to $30,000 during fixed rate period
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $40,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.6

    Based on 231 ME home loan reviews

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

    NAB Base Variable Rate Home Loan (Owner Occupier, Principal & Interest)

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility

    interest rate

    4.17% p.a. variable

    comparison rate*

    4.22% p.a.

    Upfront fees

    $600

    Go to site

    More info

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility
    • Interest rate: 4.17% p.a. variable
    • Comparison rate*: 4.22% p.a.
    • Upfront fees: $600
    • 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
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 864 NAB home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    ME Flexible Home Loan (Fixed, Owner Occupier)

    ME Flexible Home Loan (Fixed, Owner Occupier)

    • Option to split your loan into fixed and variable
    • Offset available & no fees to redraw
    • Meet a mobile banker at a time or place that suits you

    interest rate

    4.19% p.a.
    fixed 3 years

    comparison rate*

    4.82% p.a.

    Upfront fees

    $400

    Go to site

    More info

    • Option to split your loan into fixed and variable
    • Offset available & no fees to redraw
    • Meet a mobile banker at a time or place that suits you
    • Interest rate: 4.19% p.a.
      fixed 3 years
    • Comparison rate*: 4.82% p.a.
    • Upfront fees: $400
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free up to $30,000 during fixed rate period
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $40,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.6

    Based on 231 ME home loan reviews

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Want more? Compare all 506 home loans in the Mozo comparison engine.

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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.

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