A record new RBA cut... is your lender giving you the best deal?
01 Oct 2019
The RBA's June and July rate cuts saw the big four banks pass on most of the savings, and fresh off the heels of the October 1st slash, there's no better time to see what's out there in the crazy world of home loans.
So, whilst the economy is not performing its finest, it’s good news for homeowners and investors, as the likelihood of more rate cuts being passed by their lenders comes to fruition.
With several home loans on the Mozo database sitting well under 3.00%, you’ll find some of the lowest rates around that could potentially save you thousands over the life of your loan.
Got your sights set on saving yourself some money when it comes to your mortgage? Well, there's no hotter time than now to compare, switch and save yourself a small fortune along the way. Chop, chop!
Compare our hottest home loans below: - rates updated daily
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Promoted
UBank
2.84% p.a.
2.84% p.a.
$1234
Product details Close detailsUBank UHomeLoan - Discount Offer
Owner Occupier, Principal & Interest
2.84% p.a.
2.84% p.a.
Free redraw with flexible repayments. Min 20% deposit. Winner of a Mozo Experts Choice Award 2019 in the Low Cost Home Loan category^.
UHomeLoan - Discount Offer
Free redraw with flexible repayments. Min 20% deposit. Winner of a Mozo Experts Choice Award 2019 in the Low Cost Home Loan category^.
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2.84% p.a.
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2.84% 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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$200,000
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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
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Promoted
Athena2.84% p.a.
2.80% p.a.
$1234
Product details Close detailsAthenaVariable Home Loan
Owner Occupier, Principal & Interest
2.84% p.a.
2.80% p.a.
Get the low rate you deserve with Athena, one of Australia's newest direct lenders. No fees and fee-free redraw. The same low rates for new and existing customers. Score loyalty bonus for making repayments. Min 20% deposit.
Variable Home Loan
Get the low rate you deserve with Athena, one of Australia's newest direct lenders. No fees and fee-free redraw. The same low rates for new and existing customers. Score loyalty bonus for making repayments. Min 20% deposit.
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2.84% p.a.
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2.80% 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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$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 Variable Home Loan
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Promoted
loans.com.au2.88% p.a.
2.90% p.a.
$1234
Product details Close detailsloans.com.auSmart Home Loan
Owner Occupier, Principal & Interest
2.88% p.a.
2.90% p.a.
A low-rate home loan that could save you thousands. No application or ongoing fees. Unlimited additional repayments. Unlimited free redraws with no minimum redraw amount, Limited time only.
Smart Home Loan
A low-rate home loan that could save you thousands. No application or ongoing fees. Unlimited additional repayments. Unlimited free redraws with no minimum redraw amount, Limited time only.
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2.88% p.a.
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2.90% 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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no
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80.00%
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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 Home Loan
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Promoted
Tic:Toc 2.79% p.a.
2.80% p.a.
$1234
Product details Close detailsTic:Toc Variable Home Loan
Owner Occupier, Principal & Interest
2.79% p.a.
2.80% p.a.
Tic:Toc’s award-winning online platform could save you thousands. No fees, fee-free redraws and an optional offset account for $10 per month. Minimum 10% deposit. Winner of a Mozo Experts Choice Award 2019 for Online Home Lender of the Year 2019.^
Variable Home Loan
Tic:Toc’s award-winning online platform could save you thousands. No fees, fee-free redraws and an optional offset account for $10 per month. Minimum 10% deposit. Winner of a Mozo Experts Choice Award 2019 for Online Home Lender of the Year 2019.^
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2.79% p.a.
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2.80% p.a.
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$0
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$0.00
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$325.00
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yes - free
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yes - free
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Optional - $10 per month
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90.00%
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$50,000
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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 Variable Home Loan
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Promoted
Well Home Loans 2.82% p.a.
2.86% p.a.
$1234
Product details Close detailsWell Home Loans Well Balanced
Owner Occupier, Principal & Interest, LVR <80%
2.82% p.a.
2.86% 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. Best New Home Loan in Mozo Experts Choice Awards 2019.^
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. Best New Home Loan in Mozo Experts Choice Awards 2019.^
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2.82% p.a.
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2.86% 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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$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
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Promoted
HSBC 2.95% p.a.
2.97% p.a.
$1234
Product details Close detailsHSBC Discounted Home Value Loan
Owner Occupier, Principal & Interest
2.95% p.a.
2.97% p.a.
Unlimited free extra repayments and no ongoing service fees when you apply by the 31st January 2020. (T&Cs apply). Get help with the application process with an HSBC relationship manager, requires a minimum of 10% deposit at a max of 80% LVR. Winner of a Mozo Experts Choice Award 2019 in the Low Cost Home Loan category.^
Discounted Home Value Loan
Unlimited free extra repayments and no ongoing service fees when you apply by the 31st January 2020. (T&Cs apply). Get help with the application process with an HSBC relationship manager, requires a minimum of 10% deposit at a max of 80% LVR. Winner of a Mozo Experts Choice Award 2019 in the Low Cost Home Loan category.^
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2.95% p.a.
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2.97% 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 online
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no
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80.00%
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$50,000
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$7,500,000
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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 Discounted Home Value Loan
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