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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

    Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)

    Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)

    • Ability to make unlimited bulk repayments without penalty
    • Offers borrowers up to three free splits
    • Access extra features such as multiple offset accounts

    interest rate

    3.73% p.a. variable

    comparison rate*

    4.05% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Ability to make unlimited bulk repayments without penalty
    • Offers borrowers up to three free splits
    • Access extra features such as multiple offset accounts
    • Interest rate: 3.73% p.a. variable
    • Comparison rate*: 4.05% p.a.
    • Upfront fees: $0
    • Ongoing fees: $299.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - free
    • Maximum loan to value ratio: 80.00%
    • 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

    8.6

    Based on 8 Gateway Credit Union 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

    Go to site

    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

    HSBC Discounted Home Value Loan (Owner Occupier)

    HSBC Discounted Home Value Loan (Owner Occupier)

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest rate

    3.75% p.a. variable

    comparison rate*

    3.77% p.a.

    Upfront fees

    $270

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Interest rate: 3.75% p.a. variable
    • Comparison rate*: 3.77% p.a.
    • Upfront fees: $270
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.1

    Based on 32 HSBC home loan reviews

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  • SCU Basic Home Loan

    SCU Basic Home Loan

    • Redraw facility
    • Flexible repayment options
    • No annual or monthly fees

    interest rate

    3.77% p.a. variable

    comparison rate*

    3.81% p.a.

    Upfront fees

    $695

    Go to site

    More info

    • Redraw facility
    • Flexible repayment options
    • No annual or monthly fees
    • Interest rate: 3.77% p.a. variable
    • Comparison rate*: 3.81% p.a.
    • Upfront fees: $695
    • Ongoing fees: $0.00
    • Discharge fee: $180.00
    • Extra repayments: yes - free
    • Redraw facility: yes - $50
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    9.4

    Based on 5 SCU 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

    3.79% p.a. variable

    comparison rate*

    3.83% p.a.

    Upfront fees

    $595

    Go to site

    More info

    • Option to fix full loan or split between fixed and variable
    • Redraw available. Flexible repayments
    • Loan repayment pause available
    • Interest rate: 3.79% p.a. variable
    • Comparison rate*: 3.83% 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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  • 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 & $0 valuation fees for loans over $300,000
    • Reduce interest payments with a 100% daily offset facility
    • Get a more personal banking experience

    interest rate

    3.79% p.a. variable

    comparison rate*

    3.89% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • $0 application & $0 valuation fees for loans over $300,000
    • Reduce interest payments with a 100% daily offset facility
    • Get a more personal banking experience
    • Interest rate: 3.79% p.a. variable
    • Comparison rate*: 3.89% p.a.
    • Upfront fees: $0
    • 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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  • State Custodians Breathe Easy (LVR<80%, Owner Occupier)

    State Custodians Breathe Easy (LVR<80%, Owner Occupier)

    • $0 Annual Fee, $0 Application Fee
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account

    interest rate

    3.82% p.a. variable

    comparison rate*

    3.85% p.a.

    Upfront fees

    $286

    Go to site

    More info

    • $0 Annual Fee, $0 Application Fee
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account
    • Interest rate: 3.82% p.a. variable
    • Comparison rate*: 3.85% p.a.
    • Upfront fees: $286
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $1,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 3 State Custodians home loan reviews

    Need more information?
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    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier) (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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  • Bankwest Complete Variable Home Loan (LVR<80%, Owner Occupier) (Package)

    Bankwest Complete Variable Home Loan (LVR<80%, Owner Occupier) (Package)

    • $0 home loan application fees
    • $0 annual fee on your choice of a rewards credit card
    • $0 property valuation fees with your home loan application

    interest rate

    3.85% p.a. variable

    comparison rate*

    4.26% p.a.

    Upfront fees

    $250

    Go to site

    More info

    • $0 home loan application fees
    • $0 annual fee on your choice of a rewards credit card
    • $0 property valuation fees with your home loan application
    • Interest rate: 3.85% p.a. variable
    • Comparison rate*: 4.26% p.a.
    • Upfront fees: $250
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $338.20
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • 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 315 Bankwest home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    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

    3.89% p.a. variable

    comparison rate*

    3.89% 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: 3.89% p.a. variable
    • Comparison rate*: 3.89% 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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  • MOZO EXPERTS CHOICE AWARDS 2016

    AMP Essential Home Loan (Owner Occupier, Principal & Interest)

    AMP Essential Home Loan (Owner Occupier, Principal & Interest)

    • Experts Choice Winner - Home Loans 2016
    • Additional repayments anytime
    • Waived establishment & settlement fees

    interest rate

    3.89% p.a. variable

    comparison rate*

    3.91% p.a.

    Upfront fees

    $295

    Go to site

    More info

    • Experts Choice Winner - Home Loans 2016
    • Additional repayments anytime
    • Waived establishment & settlement fees
    • Interest rate: 3.89% p.a. variable
    • Comparison rate*: 3.91% p.a.
    • Upfront fees: $295
    • Ongoing fees: $0.00
    • Discharge fee: $100.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    6.3

    Based on 51 AMP home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    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

    3.89% p.a. variable

    comparison rate*

    3.94% 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: 3.89% p.a. variable
    • Comparison rate*: 3.94% 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

    Need more information?
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  • ING DIRECT Orange Advantage (LVR<80%, Owner Occupier) (Package)

    ING DIRECT Orange Advantage (LVR<80%, Owner Occupier) (Package)

    • With a variable rate this low, you could call it mates rates
    • 100% offset facility
    • Request pre-approval today

    interest rate

    3.89% p.a. variable

    comparison rate*

    4.11% p.a.

    Upfront fees

    $299

    Go to site

    More info

    • With a variable rate this low, you could call it mates rates
    • 100% offset facility
    • Request pre-approval today
    • Interest rate: 3.89% p.a. variable
    • Comparison rate*: 4.11% p.a.
    • Upfront fees: $299
    • Ongoing fees: $199.00 yearly
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Fortnightly, Monthly
    Overall rating

    8.1

    Based on 185 ING DIRECT home loan reviews

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  • Bankwest Complete Fixed Home Loan (LVR<90%, Owner Occupier) (Package)

    Bankwest Complete Fixed Home Loan (LVR<90%, Owner Occupier) (Package)

    • $0 home loan application fees
    • $0 annual fee on your choice of rewards credit cards
    • $0 property valuation fees with your home loan application

    interest rate

    3.94% p.a.
    fixed 2 years

    comparison rate*

    4.33% p.a.

    Upfront fees

    $250

    Go to site

    More info

    • $0 home loan application fees
    • $0 annual fee on your choice of rewards credit cards
    • $0 property valuation fees with your home loan application
    • Interest rate: 3.94% p.a.
      fixed 2 years
    • Comparison rate*: 4.33% p.a.
    • Upfront fees: $250
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $338.20
    • Extra repayments: yes - free up to $10,000 a year
    • Redraw facility: no
    • Offset account: yes - partial only
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.7

    Based on 315 Bankwest home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    ME Flexible Home Loan (Fixed, Owner Occupier, LVR<80%)

    ME Flexible Home Loan (Fixed, Owner Occupier, LVR<80%)

    • 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

    3.94% p.a.
    fixed 2 years

    comparison rate*

    4.85% 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: 3.94% p.a.
      fixed 2 years
    • Comparison rate*: 4.85% 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: 80.00%
    • 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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  • MOZO EXPERTS CHOICE AWARDS 2016

    Australian Unity Health, Wealth and Happiness Variable Rate (Owner Occupier) (Package)

    Australian Unity Health, Wealth and Happiness Variable Rate (Owner Occupier) (Package)

    • No annual fee on a credit card of your choice
    • 100% offset facility
    • Owner occupied only

    interest rate

    4.05% p.a. variable

    comparison rate*

    4.08% p.a.

    Upfront fees

    $600

    Go to site

    More info

    • No annual fee on a credit card of your choice
    • 100% offset facility
    • Owner occupied only
    • Interest rate: 4.05% p.a. variable
    • Comparison rate*: 4.08% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $375.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $2,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • MOZO EXPERTS CHOICE AWARDS 2016

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

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

    • Variable rate only
    • No fees to redraw
    • Meet a mobile banker at a time or place that suits you

    interest rate

    4.09% p.a. variable

    comparison rate*

    4.11% p.a.

    Upfront fees

    $400

    Go to site

    More info

    • Variable rate only
    • No fees to redraw
    • Meet a mobile banker at a time or place that suits you
    • Interest rate: 4.09% p.a. variable
    • Comparison rate*: 4.11% p.a.
    • Upfront fees: $400
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $40,000
    • 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 231 ME home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    State Custodians Standard Variable (LVR<80%, Investment)

    State Custodians Standard Variable (LVR<80%, Investment)

    • Special Discounted Rate For Investors
    • P&I or Interest Only Up to 10yrs
    • Free 100% Offset Account

    interest rate

    4.09% p.a. variable

    comparison rate*

    4.42% p.a.

    Upfront fees

    $286

    Go to site

    More info

    • Special Discounted Rate For Investors
    • P&I or Interest Only Up to 10yrs
    • Free 100% Offset Account
    • Interest rate: 4.09% p.a. variable
    • Comparison rate*: 4.42% p.a.
    • Upfront fees: $286
    • Ongoing fees: $299.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • 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, Interest Only
    • Availability: Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 3 State Custodians home loan reviews

    Need more information?
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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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