Loans.com.au slashes home loan rates for owner-occupiers, investors
Online lender, loans.com.au has today slashed rates for both owner-occupiers and investors on certain home loans, and is now offering some of the lowest mortgage rates in the market.
One of the changes was to cut the Essentials Variable 80 rate for owner-occupiers looking to make principal and interest repayments by 12 basis points, bringing it to a red hot 3.52% (3.54% comparison rate) - the lowest rate for a loan of its kind in the Mozo database.
UPDATE 15/2/18: Reduce Home Loans today dropped their Rate Lovers Variable Home Loan rate to 3.49% (3.57% comparison rate), lowest in the Mozo database.
“Competition is heating up between lenders ahead of the Autumn property season, which means borrowers have the chance to nab a really excellent deal,” said Mozo Director Kirsty Lamont.
The rate on loans.com.au’s Offset Variable 80 for owner-occupiers making principal and interest repayments was also slashed by 12 basis points, bringing it down to a competitive 3.60% (3.62% comparison rate).
“The beauty of having an offset account attached to your home loan is that by parking your savings in there, you’re reducing the amount of interest you pay on your loan without lifting finger,” said Lamont.
And investors weren’t left out either. Those looking to make principal and interest repayments saw rate rises of 10 basis points on both the Essentials Variable 80 and Offset Variable 80, to 4.19% (4.22% comparison rate) and 4.27% (4.29% comparison rate) respectively.
At the same time, investment loans with interest-only repayments saw big cuts of 20 basis points, bringing them equal to that of investment loans with principal and interest repayments.
RELATED: Best home loans of February 2018: Mozo Editors’ picks
More than a third of lenders in Mozo’s database have made a variable rate cut since the start of October, with 70 lenders now offering a variable rate below 4.00% for owner-occupiers making principal and interest repayments.
Lamont urged borrowers to be aware of what offers are available and spend some time comparing their options before signing onto a home loan.
“There are heaps of really competitive rates around at the moment as lenders try to tempt Aussie home buyers. So it only makes sense to take advantage of that and snag yourself the best possible deal,” said Lamont.
Home loan comparisons on Mozo - last updated 21 January 2022
-
Mozo experts choice awards won:
- Offset Home Loan - 2021
- Low Cost Home Loan - 2021
Smart Booster Home Loan
interest rate
comparison rate
Initial monthly repayment1.85% p.a.variable for 24 months and then 2.25% p.a. variable2.21% 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.
CompareCompareSmart 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.
- interest rate
- 1.85% p.a.variable for 24 months and then 2.25% p.a. variable
- comparison rate
- 2.21% p.a.
- interest rate
- 1.85% p.a.variable for 24 months and then 2.25% p.a. variable
- comparison rate
- 2.21% p.a.
- Upfront fees
- $520
- Ongoing fees
- $0.00
- Discharge Fee
- $0.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- Optional - with 0.10% additional interest
- Maximum loan to value ratio
- 80.00%
- minimum borrowing amount
- $50,000
- maximum borrowing amount
- $1,000,000
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
Read our Mozo Review to learn more about the Smart Booster Home Loan
-
Mozo experts choice awards won:
- Split Home Loan - 2021
- Low Cost Home Loan - 2021
UHomeLoan - Discount Offer
interest rate
comparison rate
Initial monthly repayment1.99% p.a. variable1.99% 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.
CompareCompareUHomeLoan - 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.
- interest rate
- 1.99% p.a. variable
- comparison rate
- 1.99% p.a.
- interest rate
- 1.99% p.a. variable
- comparison rate
- 1.99% p.a.
- Upfront fees
- $0
- Ongoing fees
- $0.00
- Discharge Fee
- $0.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- no
- Maximum loan to value ratio
- 80.00%
- minimum borrowing amount
- $100,000
- maximum borrowing amount
- -
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
- 1.99% rate available to new applicants until 31 January, 2022. Must settle by 1 May, 2022.
Read our Mozo Review to learn more about the UHomeLoan - Discount Offer
-
Mozo experts choice awards won:
- Home Loan Innovation - 2021
- Investor Home Loan - 2021
- Low Cost Home Loan - 2021
Celebrate Variable Home Loan
interest rate
comparison rate
Initial monthly repayment1.89% p.a. variable1.89% 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.
CompareCompareCelebrate 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.
- interest rate
- 1.89% p.a. variable
- comparison rate
- 1.89% p.a.
- interest rate
- 1.89% p.a. variable
- comparison rate
- 1.89% p.a.
- Upfront fees
- $0
- Ongoing fees
- $0.00
- Discharge Fee
- $0.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- yes
- Maximum loan to value ratio
- 60.00%
- minimum borrowing amount
- $100,000
- maximum borrowing amount
- $2,000,000
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
Read our Mozo Review to learn more about the Celebrate Variable Home Loan
-
Variable Home Loan
interest rate
comparison rate
Initial monthly repayment1.99% p.a. variable1.99% p.a.Same low variable rate for all. No upfront or ongoing fees. Approval in minutes not weeks with a fast digital application. 100% offset sub account with no account or redraw fees. Comes with a Visa debit card, mobile App, and digital wallet (Apple and Google Pay). Refinance only. 25% deposit or equity required.
CompareCompareVariable Home Loan
Same low variable rate for all. No upfront or ongoing fees. Approval in minutes not weeks with a fast digital application. 100% offset sub account with no account or redraw fees. Comes with a Visa debit card, mobile App, and digital wallet (Apple and Google Pay). Refinance only. 25% deposit or equity required.
- interest rate
- 1.99% p.a. variable
- comparison rate
- 1.99% p.a.
- interest rate
- 1.99% p.a. variable
- comparison rate
- 1.99% p.a.
- Upfront fees
- $0
- Ongoing fees
- $0.00
- Discharge Fee
- $0.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- yes - offset sub account
- Maximum loan to value ratio
- 75.00%
- minimum borrowing amount
- $100,000
- maximum borrowing amount
- $2,500,000
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Monthly
- Special Offers
Read our Mozo Review to learn more about the Variable Home Loan
-
Mozo experts choice awards won:
- Low Cost Home Loan - 2021
Variable Home Loan Special
interest rate
comparison rate
Initial monthly repayment1.99% p.a. variable2.02% 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 January 2022. Low Cost Home Loan winner in the Mozo's Experts Choice award 2021.
CompareCompareVariable 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 January 2022. Low Cost Home Loan winner in the Mozo's Experts Choice award 2021.
- interest rate
- 1.99% p.a. variable
- comparison rate
- 2.02% p.a.
- interest rate
- 1.99% p.a. variable
- comparison rate
- 2.02% p.a.
- Upfront fees
- $530
- Ongoing fees
- $0.00
- Discharge Fee
- $500.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- Optional - $10 per month
- Maximum loan to value ratio
- 80.00%
- minimum borrowing amount
- $150,000
- maximum borrowing amount
- $5,000,000
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
- Special rate applies to home loan applications submitted by 31 January 2022.
Read our Mozo Review to learn more about the Variable Home Loan Special
-
Basic Home Loan
interest rate
comparison rate
Initial monthly repayment2.14% p.a. variable2.14% 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.
CompareCompareBasic 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.
- interest rate
- 2.14% p.a. variable
- comparison rate
- 2.14% p.a.
- interest rate
- 2.14% p.a. variable
- comparison rate
- 2.14% p.a.
- Upfront fees
- $0
- Ongoing fees
- $0.00
- Discharge Fee
- $400.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- no
- Maximum loan to value ratio
- 60.00%
- minimum borrowing amount
- $150,000
- maximum borrowing amount
- $5,000,000
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Monthly
- Special Offers
Read our Mozo Review to learn more about the Basic Home Loan
-
Discounted Home Value Loan
interest rate
comparison rate
Initial monthly repayment1.97% p.a. variable1.98% p.a.Enjoy competitive rates for owner occupiers. Enjoy unlimited free extra repayments. Flexibility to redraw additional payments for free. No ongoing monthly service fee. Plus, $3,288 cashback offer (conditions apply).
CompareCompareDiscounted Home Value Loan
Enjoy competitive rates for owner occupiers. Enjoy unlimited free extra repayments. Flexibility to redraw additional payments for free. No ongoing monthly service fee. Plus, $3,288 cashback offer (conditions apply).
- interest rate
- 1.97% p.a. variable
- comparison rate
- 1.98% p.a.
- interest rate
- 1.97% p.a. variable
- comparison rate
- 1.98% p.a.
- Upfront fees
- $0
- Ongoing fees
- $0.00
- Discharge Fee
- $300.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- no
- Maximum loan to value ratio
- 70.00%
- minimum borrowing amount
- $50,000
- maximum borrowing amount
- $15,000,000
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
- Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 March 2022 and settle by 31 May 2022.
Read our Mozo Review to learn more about the Discounted Home Value Loan
-
Special Real Deal Home Loan
interest rate
comparison rate
Initial monthly repayment2.22% p.a. variable2.26% p.a.No application or service fees. Flexibility to choose your repayment schedule ( weekly, fortnightly or monthly) . $2,000 cashback offer for investor & owner occupied home loans over $250k with LVR ≤80% when refinancing to Newcastle Permanent.
CompareCompareSpecial Real Deal Home Loan
No application or service fees. Flexibility to choose your repayment schedule ( weekly, fortnightly or monthly) . $2,000 cashback offer for investor & owner occupied home loans over $250k with LVR ≤80% when refinancing to Newcastle Permanent.
- interest rate
- 2.22% p.a. variable
- comparison rate
- 2.26% p.a.
- interest rate
- 2.22% p.a. variable
- comparison rate
- 2.26% p.a.
- Upfront fees
- $595
- Ongoing fees
- $0.00
- Discharge Fee
- $0.00
- Extra repayments
- yes - free
- Redraw facility
- yes - fees apply
- Offset account
- no
- Maximum loan to value ratio
- 80.00%
- minimum borrowing amount
- $150,000
- maximum borrowing amount
- -
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
- $2,000 cashback when you refinance your home loan from another financial institution when you apply by 31 March 2022 and are funded by 31 May 2022, min $250k, LVR <80%
Read our Mozo Review to learn more about the Special Real Deal Home Loan
-
Variable Home Loan
interest rate
comparison rate
Initial monthly repayment1.89% p.a. variable1.90% p.a.No application fee, no monthly fees, no annual fees, no redraw fees. Minimum 10% deposit. Bank-backed. Offset account available. Fast online application process. Winner of Mozo’s Experts Choice Award for Online Home Lender of the Year 2021.^
CompareCompareVariable Home Loan
No application fee, no monthly fees, no annual fees, no redraw fees. Minimum 10% deposit. Bank-backed. Offset account available. Fast online application process. Winner of Mozo’s Experts Choice Award for Online Home Lender of the Year 2021.^
- interest rate
- 1.89% p.a. variable
- comparison rate
- 1.90% p.a.
- interest rate
- 1.89% p.a. variable
- comparison rate
- 1.90% p.a.
- Upfront fees
- $0
- Ongoing fees
- $0.00
- Discharge Fee
- $325.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- Optional - $10 per month
- Maximum loan to value ratio
- 90.00%
- minimum borrowing amount
- $50,000
- maximum borrowing amount
- $2,000,000
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
Read our Mozo Review to learn more about the Variable Home Loan
-
Economy Variable Home Loan
interest rate
comparison rate
Initial monthly repayment1.98% p.a. variable2.15% p.a.An ongoing low variable interest rate with free redraw, flexible repayment options and one free valuation. Discounted Economy variable rate available for owner occupier lending with max LVR of 70%. Refinance to BOQ by 31 January 2022 and get $3,000 cashback (T&Cs apply).
CompareCompareEconomy Variable Home Loan
An ongoing low variable interest rate with free redraw, flexible repayment options and one free valuation. Discounted Economy variable rate available for owner occupier lending with max LVR of 70%. Refinance to BOQ by 31 January 2022 and get $3,000 cashback (T&Cs apply).
- interest rate
- 1.98% p.a. variable
- comparison rate
- 2.15% p.a.
- interest rate
- 1.98% p.a. variable
- comparison rate
- 2.15% p.a.
- Upfront fees
- $450
- Ongoing fees
- $10.00 monthly
- Discharge Fee
- $350.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- no
- Maximum loan to value ratio
- 70.00%
- minimum borrowing amount
- -
- maximum borrowing amount
- -
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
- $3,000 refinance cashback, min $250,000, 80% LVR or less. Apply before 31 January 2022, settle by 29 April 2022.
Read our Mozo Review to learn more about the Economy Variable Home Loan
Interested in a Bank Of Queensland home loan?
Great choice!Bank Of Queensland home loans come with
- Flexible repayment options
- Available for Owner Occupiers and Investors
- $3,000 cashback offer when you refinance. Limited time only, T&Cs apply.
Next step: fill out your details below, so Bank of Queensland can get in touch for an obligation-free chat about your needs.
Thank you for your enquiry
We’ve let Bank of Queensland know you’re interested in their home loan and one of their home loan experts will be in touch shortly to discuss your needs. We’ve also sent you an email confirmation as a record of your enquiry.
In preparation for your discussion with Bank of Queensland, you might want to have on hand the following info:
- Property details
- Your employment details
- If refinancing, the current home loan provider and product
Team Mozo
-
Variable Rate Home Loan
interest rate
comparison rate
Initial monthly repayment1.99% p.a. variable1.89% p.a.OneTwo’s Variable Rate Home Loan brings features a low variable rate for owner-occupier refinancers. It has low fees and rewards borrowers for repaying the loan by lowering their rate. (T&Cs apply). Available to refinancers in metro NSW and Victoria only.
CompareCompareVariable Rate Home Loan
OneTwo’s Variable Rate Home Loan brings features a low variable rate for owner-occupier refinancers. It has low fees and rewards borrowers for repaying the loan by lowering their rate. (T&Cs apply). Available to refinancers in metro NSW and Victoria only.
- interest rate
- 1.99% p.a. variable
- comparison rate
- 1.89% p.a.
- interest rate
- 1.99% p.a. variable
- comparison rate
- 1.89% p.a.
- Upfront fees
- $0
- Ongoing fees
- $0.00
- Discharge Fee
- $0.00
- Extra repayments
- yes - free
- Redraw facility
- no
- Offset account
- no
- Maximum loan to value ratio
- 80.00%
- minimum borrowing amount
- $20,000
- maximum borrowing amount
- $2,000,000
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Fortnightly, Monthly
- Special Offers
Read our Mozo Review to learn more about the Variable Rate Home Loan
-
Own Home Loan
interest rate
comparison rate
Initial monthly repayment2.34% p.a.
fixed 2 years2.59% p.a.Competitive fixed rate. Multiple offset accounts available. Borrowers can also make extra repayments. Redraw facility available. Simple online application process. 40% deposit required.
CompareCompareOwn Home Loan
Competitive fixed rate. Multiple offset accounts available. Borrowers can also make extra repayments. Redraw facility available. Simple online application process. 40% deposit required.
- interest rate
- 2.69% p.a.
fixed 3 years
- comparison rate
- 2.68% p.a.
- interest rate
- 2.69% p.a.
fixed 3 years
- comparison rate
- 2.68% p.a.
- Upfront fees
- $250
- Ongoing fees
- $250.00 yearly
- Discharge Fee
- $0.00
- Extra repayments
- yes - free up to $20,000 per fixed rate term
- Redraw facility
- yes - free
- Offset account
- yes
- Maximum loan to value ratio
- 60.00%
- minimum borrowing amount
- -
- maximum borrowing amount
- -
- type of mortgage
- Fixed
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
Read our Mozo Review to learn more about the Own Home Loan
-
Budget Home Loan
interest rate
comparison rate
Initial monthly repayment2.19% p.a. variable2.25% p.a.Competitve low interest rate for owner-occupiers with at least a 20% deposit, and no upfront fees. Free extra repayments and redraw. Zero ongoing fees.
CompareCompareBudget Home Loan
Competitve low interest rate for owner-occupiers with at least a 20% deposit, and no upfront fees. Free extra repayments and redraw. Zero ongoing fees.
- interest rate
- 2.19% p.a. variable
- comparison rate
- 2.25% p.a.
- interest rate
- 2.19% p.a. variable
- comparison rate
- 2.25% p.a.
- Upfront fees
- $799
- Ongoing fees
- $0.00
- Discharge Fee
- $350.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- no
- Maximum loan to value ratio
- 80.00%
- minimum borrowing amount
- $10,000
- maximum borrowing amount
- $5,000,000
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
Read our Mozo Review to learn more about the Budget Home Loan
-
Discount Variable Home Loan
interest rate
comparison rate
Initial monthly repayment2.19% p.a. variable2.24% 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.
CompareCompareDiscount 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.
- interest rate
- 2.19% p.a. variable
- comparison rate
- 2.24% p.a.
- interest rate
- 2.19% p.a. variable
- comparison rate
- 2.24% p.a.
- Upfront fees
- $750
- Ongoing fees
- $0.00
- Discharge Fee
- $300.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- no
- Maximum loan to value ratio
- 70.00%
- minimum borrowing amount
- $700,000
- maximum borrowing amount
- -
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
Read our Mozo Review to learn more about the Discount Variable Home Loan
-
Equity Plus
interest rate
comparison rate
Initial monthly repayment1.82% p.a. variable1.85% p.a.Low rate variable home loan with optional offset. Free online redraw. No valuation fee. Purchase, refinance or equity release purposes allowed. Min 40% deposit.
CompareCompareEquity Plus
Low rate variable home loan with optional offset. Free online redraw. No valuation fee. Purchase, refinance or equity release purposes allowed. Min 40% deposit.
- interest rate
- 1.82% p.a. variable
- comparison rate
- 1.85% p.a.
- interest rate
- 1.82% p.a. variable
- comparison rate
- 1.85% p.a.
- Upfront fees
- $785
- Ongoing fees
- $0.00
- Discharge Fee
- $300.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- yes
- Maximum loan to value ratio
- 60.00%
- minimum borrowing amount
- $200,000
- maximum borrowing amount
- -
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
Read our Mozo Review to learn more about the Equity Plus
-
Basic Variable
interest rate
comparison rate
Initial monthly repayment2.19% p.a. variable2.24% p.a.Enjoy a great low variable rate with no monthly or annual fees with the Great Southern Bank’s Basic Variable Home Loan. It features $0 establishment fee and $0 security admin fee when you apply online. Unlimited fee-free repayments and free redraw. Bonus $3000 cashback offer for refinancers (conditions apply).
CompareCompareBasic Variable
Enjoy a great low variable rate with no monthly or annual fees with the Great Southern Bank’s Basic Variable Home Loan. It features $0 establishment fee and $0 security admin fee when you apply online. Unlimited fee-free repayments and free redraw. Bonus $3000 cashback offer for refinancers (conditions apply).
- interest rate
- 2.19% p.a. variable
- comparison rate
- 2.24% p.a.
- interest rate
- 2.19% p.a. variable
- comparison rate
- 2.24% p.a.
- Upfront fees
- $835
- Ongoing fees
- -
- Discharge Fee
- $500.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- no
- Maximum loan to value ratio
- 80.00%
- minimum borrowing amount
- $100,000
- maximum borrowing amount
- $5,000,000
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
- Receive $3,000 cashback and have the establishment fee waived when you refinance with Great Southern Bank before 31 January 2022 and settle the loan before 30 April 2022, min lending of $250,000 and maximum 80% LVR.
Read our Mozo Review to learn more about the Basic Variable
-
Mozo experts choice awards won:
- Offset Home Loan - 2021
- Low Cost Home Loan - 2021
Smart Booster Home Loan
interest rate
comparison rate
Initial monthly repayment1.99% p.a.variable for 12 months and then 2.48% p.a. variable2.47% p.a.A super low introductory rate home loan with no monthly or ongoing fees. loans.com.au has some of the fastest settlement times on the market. They can meet 30-day settlement timeline so you can start saving thousands, as soon as possible! Mozo award-winning online lender, friendly and local Australian based team.
CompareCompareSmart Booster Home Loan
A super low introductory rate home loan with no monthly or ongoing fees. loans.com.au has some of the fastest settlement times on the market. They can meet 30-day settlement timeline so you can start saving thousands, as soon as possible! Mozo award-winning online lender, friendly and local Australian based team.
- interest rate
- 1.99% p.a.variable for 12 months and then 2.48% p.a. variable
- comparison rate
- 2.47% p.a.
- interest rate
- 1.99% p.a.variable for 12 months and then 2.48% p.a. variable
- comparison rate
- 2.47% p.a.
- Upfront fees
- $520
- Ongoing fees
- $0.00
- Discharge Fee
- $0.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- Optional - with 0.10% additional interest
- Maximum loan to value ratio
- 80.00%
- minimum borrowing amount
- $50,000
- maximum borrowing amount
- $1,000,000
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
Read our Mozo Review to learn more about the Smart Booster Home Loan
-
UHomeLoan
interest rate
comparison rate
Initial monthly repayment1.79% p.a.
fixed 1 year2.18% p.a.Fast, easy to apply and no ongoing fees. Choose between weekly, fortnightly or monthly repayments. 1 year fixed rates are for new Owner Occupier Principal & Interest loans.
CompareCompareUHomeLoan
Fast, easy to apply and no ongoing fees. Choose between weekly, fortnightly or monthly repayments. 1 year fixed rates are for new Owner Occupier Principal & Interest loans.
- interest rate
- n/a
- comparison rate
- n/a
- interest rate
- n/a
- comparison rate
- n/a
- Upfront fees
- $0
- Ongoing fees
- $0.00
- Discharge Fee
- $0.00
- Extra repayments
- yes - free up to $20,000 during fixed rate term
- Redraw facility
- no
- Offset account
- no
- Maximum loan to value ratio
- 80.00%
- minimum borrowing amount
- $100,000
- maximum borrowing amount
- $2,000,000
- type of mortgage
- Fixed
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
- $395 Establishment fee waived for fixed rate loans that settle by 30 September 2022.
Read our Mozo Review to learn more about the UHomeLoan
-
Mozo experts choice awards won:
- Home Loan Innovation - 2021
- Investor Home Loan - 2021
- Low Cost Home Loan - 2021
Evaporate Variable Home Loan
interest rate
comparison rate
Initial monthly repayment1.94% p.a. variable1.91% p.a.Fast online application with no fees. Free extra repayments and redraw facility. Min 20% deposit. Crowned Best New Home Loan for 2020 by the Mozo Experts.^
CompareCompareEvaporate Variable Home Loan
Fast online application with no fees. Free extra repayments and redraw facility. Min 20% deposit. Crowned Best New Home Loan for 2020 by the Mozo Experts.^
- interest rate
- 1.94% p.a. variable
- comparison rate
- 1.91% p.a.
- interest rate
- 1.94% p.a. variable
- comparison rate
- 1.91% p.a.
- Upfront fees
- $0
- Ongoing fees
- $0.00
- Discharge Fee
- $0.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- yes
- Maximum loan to value ratio
- 70.00%
- minimum borrowing amount
- $100,000
- maximum borrowing amount
- $2,000,000
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
Read our Mozo Review to learn more about the Evaporate Variable Home Loan
-
Basic Home Loan
interest rate
comparison rate
Initial monthly repayment2.74% p.a.
fixed 2 years2.32% p.a.Get a flexible loan structure with up to six loan accounts with different rate types. Make free extra repayments. Enjoy free redraw facility. No upfront or ongoing fees. Option to earn Qantas points.
CompareCompareBasic Home Loan
Get a flexible loan structure with up to six loan accounts with different rate types. Make free extra repayments. Enjoy free redraw facility. No upfront or ongoing fees. Option to earn Qantas points.
- interest rate
- 3.14% p.a.
fixed 3 years
- comparison rate
- 2.46% p.a.
- interest rate
- 3.14% p.a.
fixed 3 years
- comparison rate
- 2.46% p.a.
- Upfront fees
- $0
- Ongoing fees
- $0.00
- Discharge Fee
- $400.00
- Extra repayments
- yes - up to $10,000 p.a.
- Redraw facility
- yes - free
- Offset account
- no
- Maximum loan to value ratio
- 80.00%
- minimum borrowing amount
- $150,000
- maximum borrowing amount
- $750,000
- type of mortgage
- Fixed
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Monthly
- Special Offers
Read our Mozo Review to learn more about the Basic Home Loan
-
Special Fixed Rate Home Loan
interest rate
comparison rate
Initial monthly repayment2.54% p.a.
fixed 2 years3.78% p.a.Lock in a low fixed rate or choose to split your loan between fixed and variable. Insurance discounts and no fee credit card or zero fee personal loan available. $2,000 cashback offer for investor & owner occupied home loans over $250k with LVR ≤80% when refinancing to Newcastle Permanent. Limited time offer extended, T&Cs apply.
CompareCompareSpecial Fixed Rate Home Loan
Lock in a low fixed rate or choose to split your loan between fixed and variable. Insurance discounts and no fee credit card or zero fee personal loan available. $2,000 cashback offer for investor & owner occupied home loans over $250k with LVR ≤80% when refinancing to Newcastle Permanent. Limited time offer extended, T&Cs apply.
- interest rate
- 2.89% p.a.
fixed 3 years
- comparison rate
- 3.78% p.a.
- interest rate
- 2.89% p.a.
fixed 3 years
- comparison rate
- 3.78% p.a.
- Upfront fees
- $0
- Ongoing fees
- $395.00 yearly
- Discharge Fee
- $0.00
- Extra repayments
- yes - free up to $25,000 p.a.
- Redraw facility
- yes - free
- Offset account
- no
- Maximum loan to value ratio
- 80.00%
- minimum borrowing amount
- -
- maximum borrowing amount
- -
- type of mortgage
- Fixed
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
- $2,000 cashback when you refinance your home loan from another financial institution when you apply by 31 March 2022 and are funded by 31 May 2022, min $250k, LVR <80%
Read our Mozo Review to learn more about the Special Fixed Rate Home Loan
-
Mozo experts choice awards won:
- Australia's Best Large Mutual Bank - 2021
Fixed Rate Home Loan
interest rate
comparison rate
Initial monthly repayment1.89% p.a.
fixed 1 year2.43% p.a.Competitive fixed rates across 1 to 5 year terms. No application fee or annual fee. Free extra repayments (up to $10,000 per year). Winner of Australia's Best Large Mutual Bank 2021.
CompareCompareFixed Rate Home Loan
Competitive fixed rates across 1 to 5 year terms. No application fee or annual fee. Free extra repayments (up to $10,000 per year). Winner of Australia's Best Large Mutual Bank 2021.
- interest rate
- 2.79% p.a.
fixed 3 years
- comparison rate
- 2.49% p.a.
- interest rate
- 2.79% p.a.
fixed 3 years
- comparison rate
- 2.49% p.a.
- Upfront fees
- $0
- Ongoing fees
- $0.00
- Discharge Fee
- $275.00
- Extra repayments
- yes - free up to $10,000 p.a.
- Redraw facility
- no
- Offset account
- no
- Maximum loan to value ratio
- 80.00%
- minimum borrowing amount
- $150,000
- maximum borrowing amount
- -
- type of mortgage
- Fixed
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Monthly, Fortnightly, Weekly
- Special Offers
Read our Mozo Review to learn more about the Fixed Rate Home Loan
Interested in a Qudos Bank home loan?
Great choice!Qudos Bank home loan includes:
- Competitive rates
- No application fee or annual fee
- Borrow up to 80% of the property value
Next step: fill out your details below, so Qudos Bank can get in touch for an obligation-free chat about your needs.
Thank you for your enquiry
We’ve let Qudos Bank know you’re interested in their home loan and one of their home loan experts will be in touch shortly to discuss your needs. We’ve also sent you an email confirmation as a record of your enquiry.
In preparation for your discussion with Qudos Bank, you might want to have on hand the following info:
- Property details
- Your employment details
- If refinancing, the current home loan provider and product
Team Mozo
-
Mozo experts choice awards won:
- Fixed Rate Home Loan - 2021
Discount Fixed Rate
interest rate
comparison rate
Initial monthly repayment2.59% p.a.
fixed 2 years3.17% p.a.Lock in a competitive rate for 2 years. Only 20% deposit required. Flexible repayment options and make up to $5,000 in additional repayments annually. Refinance to BOQ by 31 January 2022 and get $3,000 cashback (T&Cs apply).
CompareCompareDiscount Fixed Rate
Lock in a competitive rate for 2 years. Only 20% deposit required. Flexible repayment options and make up to $5,000 in additional repayments annually. Refinance to BOQ by 31 January 2022 and get $3,000 cashback (T&Cs apply).
- interest rate
- 2.99% p.a.
fixed 3 years
- comparison rate
- 3.21% p.a.
- interest rate
- 2.99% p.a.
fixed 3 years
- comparison rate
- 3.21% p.a.
- Upfront fees
- $450
- Ongoing fees
- $10.00 monthly
- Discharge Fee
- $350.00
- Extra repayments
- yes - free up to $5,000 p.a
- Redraw facility
- no
- Offset account
- no
- Maximum loan to value ratio
- 80.00%
- minimum borrowing amount
- $150,000
- maximum borrowing amount
- -
- type of mortgage
- Fixed
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
- $3,000 refinance cashback, min $250,000, 80% LVR or less. Apply before 31 January 2022, settle by 29 April 2022.
Read our Mozo Review to learn more about the Discount Fixed Rate
Interested in a Bank Of Queensland home loan?
Great choice!Bank Of Queensland home loans come with
- Flexible repayment options
- Available for Owner Occupiers and Investors
- $3,000 cashback offer when you refinance. Limited time only, T&Cs apply.
Next step: fill out your details below, so Bank of Queensland can get in touch for an obligation-free chat about your needs.
Thank you for your enquiry
We’ve let Bank of Queensland know you’re interested in their home loan and one of their home loan experts will be in touch shortly to discuss your needs. We’ve also sent you an email confirmation as a record of your enquiry.
In preparation for your discussion with Bank of Queensland, you might want to have on hand the following info:
- Property details
- Your employment details
- If refinancing, the current home loan provider and product
Team Mozo
-
Mozo experts choice awards won:
- Home Loan Innovation - 2021
- Investor Home Loan - 2021
- Low Cost Home Loan - 2021
Liberate Variable Home Loan
interest rate
comparison rate
Initial monthly repayment1.99% p.a. variable1.93% p.a.Fast online application with no fees. Free extra repayments and redraw facility. Min 20% deposit. Athena automatically lowers the rate as the loan is paid down. Winner of three Mozo Expert's Choice Awards for 2021.
CompareCompareLiberate Variable Home Loan
Fast online application with no fees. Free extra repayments and redraw facility. Min 20% deposit. Athena automatically lowers the rate as the loan is paid down. Winner of three Mozo Expert's Choice Awards for 2021.
- interest rate
- 1.99% p.a. variable
- comparison rate
- 1.93% p.a.
- interest rate
- 1.99% p.a. variable
- comparison rate
- 1.93% p.a.
- Upfront fees
- $0
- Ongoing fees
- $0.00
- Discharge Fee
- $0.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- yes
- Maximum loan to value ratio
- 80.00%
- minimum borrowing amount
- $100,000
- maximum borrowing amount
- $2,000,000
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
Read our Mozo Review to learn more about the Liberate Variable Home Loan
-
Well Balanced Fixed
interest rate
comparison rate
Initial monthly repayment1.99% p.a.
fixed 1 year1.90% p.a.Super low fixed rate and only 20% deposit required. Optional 100% offset account. Free extra repayments and redraw facility. Flexible repayment schedule.
CompareCompareWell Balanced Fixed
Super low fixed rate and only 20% deposit required. Optional 100% offset account. Free extra repayments and redraw facility. Flexible repayment schedule.
- interest rate
- 2.57% p.a.
fixed 3 years
- comparison rate
- 2.06% p.a.
- interest rate
- 2.57% p.a.
fixed 3 years
- comparison rate
- 2.06% p.a.
- Upfront fees
- $785
- Ongoing fees
- $0.00
- Discharge Fee
- $300.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- Optional - $10 per month
- Maximum loan to value ratio
- 80.00%
- minimum borrowing amount
- $200,000
- maximum borrowing amount
- $2,000,000
- type of mortgage
- Fixed
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
Read our Mozo Review to learn more about the Well Balanced Fixed
-
Back to Basics Special
interest rate
comparison rate
Initial monthly repayment1.99% p.a. variable2.00% p.a.No monthly account keeping fee, no ongoing annual fee and no loan establishment fee on new lending of $150,000 or more.
CompareCompareBack 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.
- interest rate
- 1.99% p.a. variable
- comparison rate
- 2.00% p.a.
- interest rate
- 1.99% p.a. variable
- comparison rate
- 2.00% p.a.
- Upfront fees
- $0
- Ongoing fees
- $0.00
- Discharge Fee
- $350.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- no
- Maximum loan to value ratio
- 70.00%
- minimum borrowing amount
- $150,000
- maximum borrowing amount
- -
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
- $3,000 solar cashback (homes with solar, $500k+, <90% LVR approved before 29 April 2022) or $3,000 cashback refinance existing loan, $750k+ <90% LVR and approved before 29 April 2022. Cannot be combined.
Read our Mozo Review to learn more about the Back to Basics Special
-
Offset Variable
interest rate
comparison rate
Initial monthly repayment2.39% p.a. variable2.44% p.a.Save on interest with the Great Southern Bank’s Offset Variable Home Loan. Handy 100% offset account. $0 establishment fee and $0 security admin fee when you apply online. Unlimited fee-free repayments and free redraw. Bonus $3000 cashback offer for refinancers (conditions apply).
CompareCompareOffset Variable
Save on interest with the Great Southern Bank’s Offset Variable Home Loan. Handy 100% offset account. $0 establishment fee and $0 security admin fee when you apply online. Unlimited fee-free repayments and free redraw. Bonus $3000 cashback offer for refinancers (conditions apply).
- interest rate
- 2.39% p.a. variable
- comparison rate
- 2.44% p.a.
- interest rate
- 2.39% p.a. variable
- comparison rate
- 2.44% p.a.
- Upfront fees
- $835
- Ongoing fees
- -
- Discharge Fee
- $500.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- yes
- Maximum loan to value ratio
- 80.00%
- minimum borrowing amount
- $100,000
- maximum borrowing amount
- $5,000,000
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Weekly, Fortnightly, Monthly
- Special Offers
- Receive $3,000 cashback and have the establishment fee waived when you refinance with Great Southern Bank before 31 January 2022 and settle the loan before 30 April 2022, min lending of $250,000 and maximum 80% LVR.
Read our Mozo Review to learn more about the Offset Variable
-
Mozo experts choice awards won:
- Australia's Best Large Mutual Bank - 2021
No Frills Home Loan
interest rate
comparison rate
Initial monthly repayment2.19% p.a. variable2.19% p.a.Qudos Bank No Frills Home Loan with $0 bank fees and unlimited repayments. Winner of the Split Home Loan award in 2020. ^
CompareCompareNo Frills Home Loan
Qudos Bank No Frills Home Loan with $0 bank fees and unlimited repayments. Winner of the Split Home Loan award in 2020. ^
- interest rate
- 2.19% p.a. variable
- comparison rate
- 2.19% p.a.
- interest rate
- 2.19% p.a. variable
- comparison rate
- 2.19% p.a.
- Upfront fees
- $0
- Ongoing fees
- $0.00
- Discharge Fee
- $275.00
- Extra repayments
- yes - free
- Redraw facility
- yes - free
- Offset account
- no
- Maximum loan to value ratio
- 70.00%
- minimum borrowing amount
- $150,000
- maximum borrowing amount
- -
- type of mortgage
- Variable
- Repayment types
- Principal & Interest
- Availability
- Owner Occupier
- Repayment options
- Monthly, Fortnightly, Weekly
- Special Offers
Read our Mozo Review to learn more about the No Frills Home Loan
Interested in a Qudos Bank home loan?
Great choice!Qudos Bank home loan includes:
- Competitive rates
- No application fee or annual fee
- Borrow up to 80% of the property value
Next step: fill out your details below, so Qudos Bank can get in touch for an obligation-free chat about your needs.
Thank you for your enquiry
We’ve let Qudos Bank know you’re interested in their home loan and one of their home loan experts will be in touch shortly to discuss your needs. We’ve also sent you an email confirmation as a record of your enquiry.
In preparation for your discussion with Qudos Bank, you might want to have on hand the following info:
- Property details
- Your employment details
- If refinancing, the current home loan provider and product
Team Mozo
So if you’re looking to make a property purchase this year, head over to our home loan comparison table to check out some low rate options.
* 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.
^See information about the Mozo Experts Choice Home Loan Awards
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.
While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.