Crazy RBA home loan rate cuts continue
LOW RATE HOME LOAN COMPARISONS
We can show you the monthly repayment amount for a range of loans
It’s been over two months since the Reserve Bank lowered the official cash rate to 1.00%, but the crazy home loan rate cuts just keep on coming.
Online lenders loans.com.au, Tic:Toc and UBank are amongst the latest to slash variable rates again, offering potential savings of tens of thousands of dollars for borrowers who are prepared to compare and switch. The banks are also responding, with ANZ, Suncorp and BoQ all offering discounted home loan rate specials right now.
So if you’ve been holding out for the right home loan, here are some of the top variable and fixed rate loans currently on the market to get your search off to a smashing start.
LOW RATE HOME LOAN COMPARISONS
Rates updated daily. Advertiser disclosure.
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Mozo experts choice awards won:
- Offset Home Loan - 2021
- Low Cost Home Loan - 2021
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
$1234
Product details Close detailsMozo experts choice awards won:
- Offset Home Loan - 2021
- Low Cost Home Loan - 2021
Smart Booster Home Loan
1 Year Discounted Variable Rate, Owner Occupier, Principal & Interest, <80% LVR
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
A super low introductory rate home loan with no monthly or ongoing fees. Unlimited free redraws and unlimited additional repayments to help you build your equity and own your home sooner. Multiple loan splits available. (Rates revert after introductory period ends). 20% minimum deposit required. Winner of two Mozo Expert's Choice Award for 2021.
Smart Booster Home Loan
A super low introductory rate home loan with no monthly or ongoing fees. Unlimited free redraws and unlimited additional repayments to help you build your equity and own your home sooner. Multiple loan splits available. (Rates revert after introductory period ends). 20% minimum deposit required. Winner of two Mozo Expert's Choice Award for 2021.
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1.99% p.a.variable for 12 months and then 2.48% p.a.
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2.47% p.a.
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$520
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$0.00
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$0.00
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yes - free
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yes - free
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Optional - with 0.10% additional interest
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80.00%
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$520
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$50,000
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$1,000,000
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Variable
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Principal & Interest
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Owner Occupier
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Weekly, Fortnightly, Monthly
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Read our Mozo Review to learn more about the Smart Booster Home Loan
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2.64% p.a.
2.64% p.a.
$1234
Product details Close detailsBasic Home Loan
Owner Occupier, LVR<80%, Principal & Interest
2.64% p.a.
2.64% p.a.
Flexible loan structure – create up to six loan accounts with different rate and repayment types. Free redraw from your loan using Macquarie Online.
Basic Home Loan
Flexible loan structure – create up to six loan accounts with different rate and repayment types. Free redraw from your loan using Macquarie Online.
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2.64% p.a.
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2.64% p.a.
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$0
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$0.00
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$400.00
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yes - free
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yes - free
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no
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80.00%
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$0
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$150,000
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$749,999
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Variable
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Principal & Interest
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Owner Occupier
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Monthly
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Read our Mozo Review to learn more about the Basic Home Loan
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2.34% p.a.
2.34% p.a.
$1234
Product details Close detailsUHomeLoan - Discount Offer
Owner Occupier, Principal & Interest
2.34% p.a.
2.34% p.a.
Enjoy a super low rate. $0 fees to consider. Fast and easy online application. Free redraw and free extra repayments. Flexible payment terms. Min 20% deposit required.
UHomeLoan - Discount Offer
Enjoy a super low rate. $0 fees to consider. Fast and easy online application. Free redraw and free extra repayments. Flexible payment terms. Min 20% deposit required.
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2.34% p.a.
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2.34% p.a.
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$0
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$0.00
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$0.00
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yes - free
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yes - free
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no
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80.00%
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$0
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$100,000
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-
-
Variable
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Principal & Interest
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Owner Occupier
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Weekly, Fortnightly, Monthly
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Read our Mozo Review to learn more about the UHomeLoan - Discount Offer
Details Close
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Mozo experts choice awards won:
- Home Loan Innovation - 2021
- Investor Home Loan - 2021
- Low Cost Home Loan - 2021
2.19% p.a.
2.19% p.a.
$1234
Product details Close detailsMozo experts choice awards won:
- Home Loan Innovation - 2021
- Investor Home Loan - 2021
- Low Cost Home Loan - 2021
Celebrate Variable Home Loan
<60% LVR, Owner Occupier, Principal & Interest
2.19% p.a.
2.19% p.a.
Fast and efficient online application. Automatic discounts as loan is paid off. Free extra repayments and redraw facility. Zero fees to consider. Min 40% deposit required. Winner of three Mozo Expert's Choice Award for 2021.
Celebrate Variable Home Loan
Fast and efficient online application. Automatic discounts as loan is paid off. Free extra repayments and redraw facility. Zero fees to consider. Min 40% deposit required. Winner of three Mozo Expert's Choice Award for 2021.
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2.19% p.a.
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2.19% p.a.
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$0
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$0.00
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$0.00
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yes - free
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yes - free
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no
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60.00%
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$0
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$100,000
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$2,000,000
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Variable
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Principal & Interest
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Owner Occupier
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Weekly, Fortnightly, Monthly
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Read our Mozo Review to learn more about the Celebrate Variable Home Loan
Details Close
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2.44% p.a.
2.45% p.a.
$1234
Product details Close detailsBack to Basics Special
LVR<80%, Owner Occupier, Principal & Interest
2.44% p.a.
2.45% p.a.
No monthly account keeping fee, no ongoing annual fee and no loan establishment fee on new lending of $150,000 or more.
Back to Basics Special
No monthly account keeping fee, no ongoing annual fee and no loan establishment fee on new lending of $150,000 or more.
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2.44% p.a.
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2.45% p.a.
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$0
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$0.00
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$350.00
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Yes - free
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yes - free
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no
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80.00%
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$0
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$150,000
-
-
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Variable
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Principal & Interest
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Owner Occupier
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Weekly, Fortnightly, Monthly
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Read our Mozo Review to learn more about the Back to Basics Special
Details Close
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1.79% p.a.
1.84% p.a.
$1234
Product details Close detailsStar Gold Home Loan
Owner Occupier, Principal & Interest, Refinance Only, <60% LVR
1.79% p.a.
1.84% p.a.
An exceptional low rate for owner occupiers with 40% or more equity in their home. No ongoing fees. Unlimited additional repayments with free online redraws. loan size $250k to $850k, no construction loans. Metro Areas Only.
Star Gold Home Loan
An exceptional low rate for owner occupiers with 40% or more equity in their home. No ongoing fees. Unlimited additional repayments with free online redraws. loan size $250k to $850k, no construction loans. Metro Areas Only.
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1.79% p.a.
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1.84% p.a.
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$910
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$0.00
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$535.00
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yes - free
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yes - free
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yes
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60.00%
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$910
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$250,000
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$850,000
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Variable
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Principal & Interest
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Owner Occupier
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Weekly, Fortnightly, Monthly
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Limited time offer for applications received by 31 May 2021 and settled by 31 August 2021.
Read our Mozo Review to learn more about the Star Gold Home Loan
Details Close
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Mozo experts choice awards won:
- Low Cost Home Loan - 2021
2.09% p.a.
2.12% p.a.
$1234
Product details Close detailsMozo experts choice awards won:
- Low Cost Home Loan - 2021
Variable Home Loan Special
Owner Occupier, Principal & Interest, LVR <70%
2.09% p.a.
2.12% p.a.
Yard’s low-rate variable special home loan is packed with all features – unlimited additional repayments, free redraw, 100% offset account. Enjoy a simple online application. Special rate applies to home loan applications submitted by 31st May 2021. Low Cost Home Loan winner in the Mozo Expert's Choice Award for 2021.
Variable Home Loan Special
Yard’s low-rate variable special home loan is packed with all features – unlimited additional repayments, free redraw, 100% offset account. Enjoy a simple online application. Special rate applies to home loan applications submitted by 31st May 2021. Low Cost Home Loan winner in the Mozo Expert's Choice Award for 2021.
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2.09% p.a.
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2.12% p.a.
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$849
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$0.00
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$500.00
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yes - free
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yes - free
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Optional - $10 per month
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70.00%
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$849
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$150,000
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$1,500,000
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Variable
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Principal & Interest
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Owner Occupier
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Weekly, Fortnightly, Monthly
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Special rate applies to home loan applications submitted by 31 May 2021.
Read our Mozo Review to learn more about the Variable Home Loan Special
Details Close
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2.44% p.a.
2.45% p.a.
$1234
Product details Close detailsDiscounted Home Value Loan
Owner Occupier, Principal & Interest
2.44% p.a.
2.45% p.a.
No ongoing service fees. Free unlimited extra repayments and online redraw facility.
Discounted Home Value Loan
No ongoing service fees. Free unlimited extra repayments and online redraw facility.
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2.44% p.a.
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2.45% p.a.
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$150
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$0.00
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$300.00
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yes - free
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yes - free
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no
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80.00%
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$150
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$50,000
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$15,000,000
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Variable
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Principal & Interest
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Owner Occupier
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Weekly, Fortnightly, Monthly
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Receive $3,288 when you refinance a minimum of $250k for applications from 15 Feb to 30 April 2021, settled by 30 June 2021.
Read our Mozo Review to learn more about the Discounted Home Value Loan
Details Close
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Mozo experts choice awards won:
- Offset Home Loan - 2021
2.17% p.a.
2.20% p.a.
$1234
Product details Close detailsMozo experts choice awards won:
- Offset Home Loan - 2021
Well Balanced
Owner Occupier, Principal & Interest, LVR <80%
2.17% p.a.
2.20% p.a.
Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee. Purchase, Refinance or Equity Release purposes allowed. Offset Home Loan winner in the Mozo Expert's Choice Award for 2021.
Well Balanced
Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee. Purchase, Refinance or Equity Release purposes allowed. Offset Home Loan winner in the Mozo Expert's Choice Award for 2021.
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2.17% p.a.
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2.20% p.a.
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$785
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$0.00
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$300.00
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yes - free
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yes - free
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Optional - $10 per month
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80.00%
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$785
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$200,000
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$2,000,000
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Variable
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Principal & Interest
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Owner Occupier
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Weekly, Fortnightly, Monthly
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Read our Mozo Review to learn more about the Well Balanced
Details Close
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2.49% p.a.
2.49% p.a.
$1234
Product details Close detailsBasic Variable Home Loan
LVR<80%, Owner Occupier, Principal and Interest, >$150k
2.49% p.a.
2.49% p.a.
A People’s Choice Basic Variable home loan allows you to enjoy a simple, non-complicated home loan with a competitive rate and no upfront or ongoing fees. It also allows you to have the freedom to make extra repayments to pay off your loan sooner.
Basic Variable Home Loan
A People’s Choice Basic Variable home loan allows you to enjoy a simple, non-complicated home loan with a competitive rate and no upfront or ongoing fees. It also allows you to have the freedom to make extra repayments to pay off your loan sooner.
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2.49% p.a.
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2.49% p.a.
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$0
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$0.00
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$350.00
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yes - free
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yes - free
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no
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80.00%
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$0
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$150,000
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$1,500,000
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Variable
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Principal & Interest
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Owner Occupier
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Weekly, Fortnightly, Monthly
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Read our Mozo Review to learn more about the Basic Variable Home Loan
Details Close
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^See information about the Mozo Experts Choice Home loans Awards