Best home loans to crush your mortgage in 2025
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If saving money on your home loan in 2025 is what you’re after, then you've come to the right place. Discovering a great value home loan could mean the difference between tens of thousands of dollars saved in interest over the course of your loan, but in practice it can be hard to find the best option amongst the dozens of different lenders and rates on the market.
That's why each year, the comparison experts at Mozo draw on their decades of financial services experience to identify the best value home loan options for Aussie borrowers.
For the 2025 Mozo Experts Choice Home Loan Awards we assessed 444 home loans from 97 lenders, with just the top in each award category receiving the Mozo expert tick of approval.
So if you're keen to cut your home loan down to size, read on for the low-down on some of the winners in the 2025 Awards.
Low cost category winner
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Unloan - Variable Home Loan
- New 5.49% p.a. variable rate (5.40% p.a. comparison rate*)
- Low cost home loan winner - Mozo Experts Choice Awards 2023, 2024, 2025^
- Zero upfront or ongoing fees
Unloan’s Variable Home Loan has taken out a low cost home loan award for an impressive third year running in the Mozo Experts Choice Awards^. Built by CommBank, Unloan offers owner-occupiers a super low 5.49% p.a. variable rate (5.40% p.a. comparison rate*) along with a loyalty discount that shaves 1 basis point off your interest every year for up to 30 years. Loan features include free extra repayments and redraw, and there are no pesky fees to pay. Available for loans of up to $10M. Minimum 20% deposit.
First home buyer loan winner
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loans.com.au Variable Home Loan 90
- Variable interest rate from 5.54% p.a. (5.58% p.a. comparison rate*) for LVR 90%
- No application fees to pay
- First Home Buyer Loan winner - Mozo Experts Choice Awards 2025^
If you're in the market for a competitive rate on a variable home loan, online lender loans.com.au has come through with the goods. There are no application fees to pay and you only require a 10% deposit to get started. You can borrow between $50,000 to $2,000,000, plus, you’ll have the freedom to make free extra repayments, and redraw them without penalty too. $300 settlement fee applies. (T&Cs apply).
* 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. You can change the loan amount and term in the input boxes at the top of this table. 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.
^See information about the Mozo Experts Choice Home Loan Awards
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