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.

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Getting started is easy

Simply compare today’s mortgage rates in the table below and enter your loan amount to calculate initial mortgage repayments for each loan.

How to find the best rates

Some of the best value loans on the market are often from smaller lenders. Be sure to check the more info section for the minimum deposit required for each loan, as this can vary from 5% to 30%.

Don’t forget to check fees and features

While you’re there, review the fees and features of each loan. Most variable loans offer free extra repayments and redraw, but not all loans offer a mortgage offset account. Common fees to be aware of include upfront fees, ongoing fees and discharge fees.

Home loan comparisons on Mozo - rates updated daily

Want more? Compare all 514 home loans in the Mozo comparison engine.

Compare more home loans

*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.

 

Switch & Save Calculator

Compare savings from over 100 home loans. How much could you save by switching your home loan? Find out in a few clicks.

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Home Loan Resources

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

Home loan comparisons, simplified.

Whether you're an investor looking for your next big property purchase, a home owner seeking a better deal or a first home buyer ready to take the plunge into home ownership, welcome to Mozo. We've pulled together this handy cheat sheet to help you understand your home loan and borrowing options and show you how to use our site to compare the range of home loans available in Australia.

Gone are the days when you simply went to the local branch manager of your existing bank to discuss getting a home loan. These days, the choice is yours and that's where Mozo helps you cut through the clutter to find a great value home loan that best meets your needs. You can get your home loan with a big bank, opt for a credit union or even an online only lender. But before you choose a provider you first need to figure out the best mortgage type for you, and to do this you'll need to know what to consider when comparing home loans.

A home loan comparison is really no different from comparing a new phone or dishwasher.  Essentially, you're after the best priced loan with all of the features you need. Like purchasing a new phone or dishwasher, you may also want to get your home loan with a brand that you trust and that has good customer service. It really is that simple, although there is one small difference you'll need to take into account when comparing home loans that we'll come to in a sec. 

So, let's break down those key elements of comparing home loans in a bit more detail.

    Home loan interest rates

    Home loan eligibility 

    Home loan features

    How much can I borrow?

    How much deposit will I need? 

    What types of home loans are available?

    Home loan fees, what will I need to pay?

    What features should I look for in a home loan?

    How do I find the right home loan for me?

    Crunching the numbers, are there home loan calculators to help?

Home loan guides

Recent home loan tips

Home Loan Reviews

Bendigo Bank
Bendigo Bank Basic Home Loan (Fixed, Owner Occupier, Principal & Interest) home loan review
Overall
10/10
Fantastic service throught out

The service at the Bendigo Bank are a lot better in East Gippsland than other banks.

The service at the Bendigo Bank are a lot better in East Gippsland than other banks.

Price
9/10
Features
9/10
Customer service
8/10
Convenience
10/10
Trust
10/10

Leonard | VIC

reviewed about 1 month ago

ANZ
ANZ Simplicity PLUS (Owner Occupier, Principal & Interest) home loan review
Overall
2/10
I feel like we have been mislead

They started out as a great choice with excellent customer service at our local branch but has...

They started out as a great choice with excellent customer service at our local branch but has since let us down tremendously. One of the comments made by a loan staff employee at our last meeting not only was extremely offensive but also out of line in so many ways.

Price
5/10
Features
3/10
Customer service
3/10
Convenience
5/10
Trust
2/10

Geraldine | QLD

reviewed about 1 month ago

Westpac
Westpac home loan review
Overall
9/10
Good service

A good bank that has come out reasonably from the RC in Melbourne.

A good bank that has come out reasonably from the RC in Melbourne.

Price
8/10
Features
8/10
Customer service
9/10
Convenience
8/10
Trust
6/10

Michael | NSW

reviewed about 2 months ago

Mortgage calculators

  • Switch and Save

    How much could you save by switching home loans?

    See calculator

  • Repayments calculator

    How much will my repayments be?

    See calculator

  • Rate change calculator

    How will rate changes affect my repayments?

    See calculator

  • Comparison calculator

    Which home loan will cost me less?

    See calculator

  • Extra repayments calculator

    How much will I save with extra repayments?

    See calculator

  • Borrowing calculator

    How much can I afford to borrow?

    See calculator

  • Stamp duty calculator

    How much do I have to pay?

    See calculator