Crush your mortgage in 2019 with these top value home loans

Our verdict

Popular online lender loans.com.au is a perennial award winner, and with offerings like the brand new Smart Home Loan it's not hard to see why. This ultra low rate, low fee home loan is packed with useful features like free redraw, the ability to make free extra repayments and a split loan option. loans.com.au actually took out the Mozo Experts Choice Award for its Essentials Variable 80 loan, but the new Smart Home Loan has an even lower rate and all the same great features as the Essentials, so we'd be crazy not to review it here.

Where do I get it? Head over to loans.com.au to find out more >>

Our verdict

With a low interest rate, no fees to apply and no annual service fee, the UBank UHomeLoan is a great budget-friendly option for refinancers that comes with the security of being backed by NAB. The competitively low variable and comparison rate is available for loans of $200,000 plus with a minimum deposit or 20% or more, and you can choose monthly, fortnightly or weekly repayments to suit your budget. No wonder it was a slam dunk for a Best Low Cost Home Loan Award.

Where do I get it? Head over to UBank to find out more >>

Our verdict

HSBC has come out with a superb value home loan here, winning awards for Low Cost Home Loan and First Home Buyer Loan. Not only will you snag a super low interest rate that's discounted for the life of the loan, you'll also pay no application or service fees. Handy features include free extra repayments, a redraw facility and the option to split your loan between fixed and variable rates, plus you'll get a dedicated relationship manager to help you with the application process.

Where do I get it? Head over to HSBC to find out more >>

Want a low rate home loan with all the flexible features you'd expect from a bank? Then take a look at ME Bank's Flexible Home Loan Member Package. For an annual fee of $395, you'll enjoy a discounted rate for the life of your loan, the freedom to split your loan between variable and fixed rates, free redraw and a 100% offset account to help you save even more. And if you need help with the loan process, ME's home loan specialists will meet you at a time and place that suits you.

Where do I get it? Head over to ME to find out more >>

Our verdict

Athena makes it easy to save on your mortgage with their new Athena Variable Home Loan. The competitive refinance mortgage features a super-low variable rate and no application, valuation or ongoing fees. But don’t think the great features end there, the loan also offers free extra repayments and a free redraw facility. Just keep in mind, if you’re a first home buyer, you won’t be able to get this loan as it’s only for refinancers, living in capital or major regional cities.

Where do I get it? Head over to Athena to find out more >>

Our verdict

Want to lock in an ultra low home loan rate but loathe the hassle of a long home loan application process? Calling UBank to the rescue! The UBank 3 year fixed rate UHomeLoan could be a great choice for borrowers who like the stability of a fixed rate and a super-speedy application process. It comes with conveniently flexible repayment options and the ability to make free extra repayments up to $20,000 each year so you can pay off your loan faster. 

Where do I get it? Head over to UBank to find out more >>

Our verdict

Winner of a Mozo Experts Choice Award 2019 for the Best New Home Loan, the Well Home Loans Well Balanced home loan is superbly balanced! Featuring one of the lowest rates in the market and reduced fees, it’s no wonder this home loan is turning heads! You’ll also get free extra repayments, redraw and the option for a split account, so you can tailor your loan to suit you.

Where do I get it? Head over to Well to find out more >>