Home Loans

Taking on a home loan is probably one of the biggest financial commitments you’ll ever make, so it pays to get it right. At Mozo we compare over 500 home loans from more than 80 lenders, so you can be sure you’re getting the best possible deal when you borrow.

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How to find the best home loan interest rate

Getting the best value on your home loan has never been simpler. At Mozo, we help you to compare a range of home loans from the big banks, small online lenders and everything in between.
In our table, we list details like interest rate, fees, loan amounts and loan-to-value ratios, along with an estimated monthly repayment, to help you pick the best option.

What kind of home loans are available?

There are a number of different types of home loan on the market, which gives you the chance to find the perfect fit for your needs. From loans designed for first home buyers, to those perfect for refinancers or options tailored to investors, you’re sure to find what you’re looking for.
To narrow down your home loan comparison, just choose the type of loan you’re interested in from the drop down menu in our table below.

How do I apply for a home loan online?

That’s easy! Once you’ve found the loan of your dreams, just click the blue ‘go to site’ button next to it in our table. This will take you through to the lender’s website, where you can begin your application.

Home loan comparisons on Mozo - rates updated daily

*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.

Want more? Compare all 510 home loans in the Mozo comparison engine.

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Home Loan Resources

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

The Mozo guide to getting the best deal on your home loan

Finding a great deal on your home loan can save you thousands. Whether you’re entering the market for the first time, or looking to refinance, Mozo compares rates from a range of credible lenders to help you find the best mortgage deal.

Getting the best deal on your home loan

Saving you money is the reason we get out of bed in the morning, here at Mozo. One of the best ways to save some serious money is to get the best deal you possibly can on your home loan. For buyers entering the market, or those looking to refinance, that means researching the lowest rate on the market, from a range of credible lenders.

Naturally, we think we know the best place to do that.

Our comparison tables show important info, like interest rates and fees, to help you compare loans, side by side.

Knowing your repayment amount is vital to ensure you can afford the loan. To get an instant estimate of your repayments simply enter the amount you want to borrow in the Mozo calculator and the repayment amount will appear right in the table.

If this is all new to you, there’s a stack of info in the home loan guides. Things like how much deposit you’ll need and handy features like an offset account, which is a great way you can use your savings to reduce the amount of interest you pay. If you already have a mortgage, chances are you haven’t thought about it again, beyond making your monthly repayments. By refinancing your home loan, you could make serious savings. It’s surprising to know that most people never think of this, despite finding a multitude of ways to save money elsewhere.

It does take research and some work to refinance, but not really more than you spend shopping for other… things.

Head to Mozo.com.au to find out how you can save serious money and get the best deal on your home loans.

Home loan comparison made easy

These days there are a tonne of home loan options out there on the market, which means there’s sure to be an option that suits your needs - but that it can seem like a huge job to find it! That's where Mozo’s simple comparison tools come in.

We compare home loans from lenders all over Australia to help you sniff out the best mortgage deal, whether you’re buying your first family home, investing in your fifth rental property or refinancing a mortgage you’ve already had for a decade.

And to get you started on your search we’ve answered some of the most common home loan questions below.

What home loan interest rates are available?

What is the comparison rate?

Am I eligible for a home loan?

How much money will I be able to borrow?

How much should I save as a deposit?

How are monthly home loan repayments calculated?

What home loan features will help me save money?

What home loan fees will I need to budget for?

How much stamp duty will I need to pay? 

I’m still stuck - where should I start?

Home loan guides

Recent home loan tips

Home Loan Reviews

Suncorp
Suncorp Standard Variable Home Loan First Home Buyer (Owner Occupier, Principal & Interest, LVR<95%) (Home Package Plus) home loan review
Overall
7/10
Good convenient access to funds

Access to funds is convenient however there is a lack of service and branches.

Access to funds is convenient however there is a lack of service and branches.

Price
8/10
Features
7/10
Customer service
4/10
Convenience
8/10
Trust
8/10

Michael | Queensland

reviewed 5 days ago

ME
ME home loan review
Overall
10/10
Amazing customer service!

Superb service extremely helpful.

Superb service extremely helpful.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10

Terry | Queensland

reviewed 5 days ago

ANZ
ANZ Variable Rate (Owner Occupier, Principal & Interest, $150,000-$249,999) (Breakfree Package) home loan review
Overall
6/10
Great bank a few years ago, not so much now

Anz were good in the beginning when I signed up but they keep changing their processes and...

Anz were good in the beginning when I signed up but they keep changing their processes and requirements for any change or updates. Customer service are polite enough but they do not have the capabilities to make any proper action.

Price
8/10
Features
3/10
Customer service
8/10
Convenience
10/10
Trust
8/10

Lisa | Victoria

reviewed 5 days ago

Mortgage calculators

  • Switch and Save

    How much could you save by switching home loans?

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  • Repayments calculator

    How much will my repayments be?

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  • Rate change calculator

    How will rate changes affect my repayments?

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  • Comparison calculator

    Which home loan will cost me less?

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  • Extra repayments calculator

    How much will I save with extra repayments?

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  • Borrowing calculator

    How much can I afford to borrow?

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  • Stamp duty calculator

    How much do I have to pay?

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