Crazy RBA home loan rate cuts continue
Mozo
12 Sep 2019
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
1.85% p.a.variable for 24 months and then 2.25% p.a.
2.21% p.a.
$1234
Product details Close details
Mozo experts choice awards won:
- Offset Home Loan - 2021
- Low Cost Home Loan - 2021
Smart Booster Home Loan
2 Year Discounted Variable Rate, Owner Occupier, Principal & Interest, <80% LVR
1.85% p.a.variable for 24 months and then 2.25% p.a.
2.21% p.a.
New super low introductory rate home loan for two years. Min 20% deposit. No monthly or ongoing fees. Fast settlement times. Mozo award-winning online lender. Friendly, local Australian based team.
Smart Booster Home Loan
New super low introductory rate home loan for two years. Min 20% deposit. No monthly or ongoing fees. Fast settlement times. Mozo award-winning online lender. Friendly, local Australian based team.
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1.85% p.a.variable for 24 months and then 2.25% p.a.
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2.21% 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
Details Close
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2.29% p.a.
2.29% p.a.
$1234
Product details Close detailsBasic Home Loan
Owner Occupier, LVR<60%, Principal & Interest
2.29% p.a.
2.29% p.a.
Competitive low variable rate. No application or account management fees. Flexibility to split your loan and set different repayment types. Fee free withdrawals of your savings.
Basic Home Loan
Competitive low variable rate. No application or account management fees. Flexibility to split your loan and set different repayment types. Fee free withdrawals of your savings.
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2.29% p.a.
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2.29% 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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60.00%
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$0
-
$150,000
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$5,000,000
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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
Details Close
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Mozo experts choice awards won:
- Home Loan Innovation - 2021
- Investor Home Loan - 2021
- Low Cost Home Loan - 2021
1.99% p.a.
1.99% p.a.
$1234
Product details Close details Mozo 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
1.99% p.a.
1.99% p.a.
Fast and efficient online application. Automatic discounts as loan is paid down. Free extra repayments and redraw facility. Zero fees. Min 40% deposit required. Winner of three Mozo Expert's Choice Awards for 2021.
Celebrate Variable Home Loan
Fast and efficient online application. Automatic discounts as loan is paid down. Free extra repayments and redraw facility. Zero fees. Min 40% deposit required. Winner of three Mozo Expert's Choice Awards for 2021.
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1.99% p.a.
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1.99% 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
-
$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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2.19% p.a.
2.20% p.a.
$1234
Product details Close detailsNeat Home Loan
Owner Occupier, Principal & Interest, LVR <60%
2.19% p.a.
2.20% p.a.
Competitive variable rate. Borrowers choose their repayment schedule (weekly, fortnightly or monthly) Make extra repayments. Redraw facility available. Simple online application process. 40% deposit required.
Neat Home Loan
Competitive variable rate. Borrowers choose their repayment schedule (weekly, fortnightly or monthly) Make extra repayments. Redraw facility available. Simple online application process. 40% deposit required.
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2.19% p.a.
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2.20% p.a.
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$250
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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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60.00%
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$250
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$80,000
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$5,000,000
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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 Neat Home Loan
Details Close
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1.99% p.a.
1.99% p.a.
$1234
Product details Close detailsVariable Home Loan
Owner Occupier, Principal & Interest
1.99% p.a.
1.99% p.a.
Refinance only. Super-fast digital application process. Zero upfront fees. No on-going service fees. Free 100% offset sub account. Comes with Visa debit card and the ability to use digital wallets; Apple and Google Pay. 25% deposit required.
Variable Home Loan
Refinance only. Super-fast digital application process. Zero upfront fees. No on-going service fees. Free 100% offset sub account. Comes with Visa debit card and the ability to use digital wallets; Apple and Google Pay. 25% deposit required.
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1.99% p.a.
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1.99% 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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yes - offset sub account
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75.00%
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$0
-
$100,000
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$2,500,000
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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 Variable Home Loan
Details Close
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2.94% p.a.
3.34% p.a.
$1234
Product details Close detailsDiscounted Variable Home Loan Premium Plus Package
Owner Occupier, Principal & Interest
2.94% p.a.
3.34% p.a.
Enjoy a great low rate with no ongoing fees. Ability to split your loan between fixed and variable. 100% offset account. $2,000 cashback offer for investor & owner occupied home loans over $250k with LVR ≤80% when refinancing to Newcastle Permanent.
Discounted Variable Home Loan Premium Plus Package
Enjoy a great low rate with no ongoing fees. Ability to split your loan between fixed and variable. 100% offset account. $2,000 cashback offer for investor & owner occupied home loans over $250k with LVR ≤80% when refinancing to Newcastle Permanent.
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2.94% p.a.
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3.34% p.a.
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$0
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$395.00 yearly
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$0.00
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yes - free
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yes - free
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yes
-
80.00%
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$0
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$150,000
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-
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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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$2,000 cashback when you refinance your home loan from another financial institution when you apply by 30 September 2021 and are funded by 30 November 2021, min $250k, LVR <80%
Read our Mozo Review to learn more about the Discounted Variable Home Loan
Details Close
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Hot Deal Receive $3,288 cashback when refinancing to HSBC (T&Cs apply)
2.19% p.a.
2.20% p.a.
$1234
Product details Close detailsDiscounted Home Value Loan
Owner Occupier, Principal & Interest, LVR <70%
2.19% p.a.
2.20% 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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2.19% p.a.
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2.20% 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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70.00%
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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 cashback when you refinance a minimum of $250k for applications until 30 September 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:
- Low Cost Home Loan - 2021
1.99% p.a.
2.02% p.a.
$1234
Product details Close details Mozo experts choice awards won:
- Low Cost Home Loan - 2021
Variable Home Loan Special
Owner Occupier, Principal & Interest, LVR <70%
1.99% p.a.
2.02% p.a.
Special rate applies to home loan applications submitted by 31 July 2021. Unlimited additional repayments, free redraw, 100% offset account. 30% deposit required. Simple online application. Low Cost Home Loan winner in the Mozo Expert's Choice Awards for 2021.
Variable Home Loan Special
Special rate applies to home loan applications submitted by 31 July 2021. Unlimited additional repayments, free redraw, 100% offset account. 30% deposit required. Simple online application. Low Cost Home Loan winner in the Mozo Expert's Choice Awards for 2021.
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1.99% p.a.
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2.02% 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 July 2021.
Read our Mozo Review to learn more about the Variable Home Loan Special
Details Close
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Mozo experts choice awards won:
- Offset Home Loan - 2021
1.99% p.a.
2.02% p.a.
$1234
Product details Close details Mozo experts choice awards won:
- Offset Home Loan - 2021
Well Balanced
Owner Occupier, Principal & Interest, LVR <80%
1.99% p.a.
2.02% p.a.
Low rate variable home loan with optional offset. Free online redraw. No valuation fee. Purchase, refinance or equity release purposes allowed. Offset Home Loan winner in the Mozo Expert's Choice Awards for 2021.
Well Balanced
Low rate variable home loan with optional offset. Free online redraw. No valuation fee. Purchase, refinance or equity release purposes allowed. Offset Home Loan winner in the Mozo Expert's Choice Awards for 2021.
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1.99% p.a.
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2.02% 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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2.54% p.a.
2.59% p.a.
$1234
Product details Close detailsDiscount Variable Home Loan
Owner Occupier, LVR<70%
2.54% p.a.
2.59% p.a.
No monthly administration fees. Ability to make extra repayments and redraws. A great low rate. No ongoing fees. Experience the difference this established bank has to offer.
Discount Variable Home Loan
No monthly administration fees. Ability to make extra repayments and redraws. A great low rate. No ongoing fees. Experience the difference this established bank has to offer.
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2.54% p.a.
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2.59% p.a.
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$750
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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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70.00%
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$750
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$150,000
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$699,999
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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 Discount Variable Home Loan
Details Close
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^See information about the Mozo Experts Choice Home loans Awards
