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Fixed rate home loan comparisons on Mozo - last updated 24 July 2021

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    UHomeLoan

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    1.85% p.a.
    fixed 3 years
    2.24% p.a.

    $0 fees and easy application. Choose between weekly, fortnightly or monthly repayments. 3 year fixed rates are for new Owner Occupier Principal & Interest loans.

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    Basic Home Loan

    Fixed, Owner Occupier, Principal & Interest, LVR<70%

    interest rate
    comparison rate
    Initial monthly repayment
    2.09% p.a.
    fixed 3 years
    2.32% p.a.

    No upfront or ongoing fees. Free extra repayments and redraw facility. Option to earn Qantas points. Min 30% deposit required. Borrow up to $750,000.

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    Special Offer Reward Me Fixed Rate Home Loan

    Owner Occupier, LVR <80%, 300k+

    interest rate
    comparison rate
    Initial monthly repayment
    1.98% p.a.
    fixed 2 years
    2.66% p.a.

    Enjoy $3,000 cashback when you refinance with Virgin Money (T&Cs apply). Additional repayments up to $10,000 per annum. Reverts to the discounted variable rate on expiry of the fixed term.

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  • Hot DealReceive $2,000 cashback when refinancing to 86 400 (T&Cs apply)
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    Own Home Loan

    Fixed, Owner Occupier, Principal & Interest, LVR <60%

    interest rate
    comparison rate
    Initial monthly repayment
    1.84% p.a.
    fixed 1 year
    2.63% 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.

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    Special Fixed Rate Home Loan

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    1.89% p.a.
    fixed 2 years
    3.67% 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 home loans over $250k with at least a 20% deposit when refinancing to Newcastle Permanent. Enjoy local branches and call centre.

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  • Hot DealReceive $3,288 cashback when refinancing to HSBC (T&Cs apply)
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    Fixed Rate Home Loan

    Owner Occupier, Principal & Interest, LVR <80%

    interest rate
    comparison rate
    Initial monthly repayment
    1.88% p.a.
    fixed 2 years
    2.86% p.a.

    Ability to split your home loan between Fixed and Variable. Dedicated Relationship Manager. Min 20% deposit. Refinancers borrowing $250,000 or more could receive $3,288 cashback (T&Cs, eligibility and lending criteria apply).

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    Mozo Experts Choice 2021
    Discount Fixed Rate

    Owner Occupier, Principal & Interest, <80% LVR

    interest rate
    comparison rate
    Initial monthly repayment
    1.94% p.a.
    fixed 3 years
    2.97% 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 29 August, 2021 and get $3,000 cashback(T&Cs apply).

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    Fixed Rate Loan

    Owner Occupier, LVR<80%

    interest rate
    comparison rate
    Initial monthly repayment
    2.19% p.a.
    fixed 3 years
    2.96% p.a.

    No application fees. Free extra repayments and redraw facility. Flexible loan repayment terms. Family Guarantee to help avoid paying Lenders Mortgage Insurance. 20% deposit required.

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    Well Balanced Fixed

    Owner Occupier, Principal & Interest, LVR <80%

    interest rate
    comparison rate
    Initial monthly repayment
    1.95% p.a.
    fixed 2 years
    2.02% p.a.

    Super low fixed rate and only 20% deposit required. Optional 100% offset account. Free extra repayments and redraw facility. Flexible repayment schedule.

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    Mozo Experts Choice 2021
    Fixed Rate Home Loan

    Owner Occupier, Principal & Interest, LVR<80%

    interest rate
    comparison rate
    Initial monthly repayment
    1.99% p.a.
    fixed 3 years
    2.59% 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.

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    Fixed Home Loan Special Offer

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.09% p.a.
    fixed 3 years
    2.93% p.a.

    No monthly account keeping fees & No loan establishment fee. Get up to $3,000 cash bonus when you refinance with an eligible Suncorp Bank Home Loan. T&Cs & eligibility criteria apply.

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    UHomeLoan (1 Yr Fixed)

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    1.99% p.a.
    fixed 1 year
    2.33% 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.

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    Details

^See information about the Mozo Experts Choice Home loans Awards

*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.

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.

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Home Loan Reviews

ME Home Loan
Overall 1/10
Under Staffed

Takes more than a month for a simple loan rate fix. They then fix the wrong loan with wrong rate. They tried to renege on the phone call that was made to fix the rate. You can never speak to a supervisor. Thank goodness for the AFCA Ombudsman.

Read full review

Takes more than a month for a simple loan rate fix. They then fix the wrong loan with wrong rate. They tried to renege on the phone call that was made to fix the rate. You can never speak to a supervisor. Thank goodness for the AFCA Ombudsman.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Michael, Western Australia, reviewed about 17 hours ago
St.George Home Loan
Overall 3/10
St George = terrible client relationship

St. George provide competitively priced products but customer support is terrible. I recently sold my house with settlement occurring on 19 July. St George's representative collected the buyer's bank check at the settlement ceremony and released property to the buyer. It is now three days later and my internet banking account with St George is not reflecting that the mortgage has been discharged or credited my account with the balance from the sale. It took an hour on the phone to find out status of settlement. I was given some long winded answer about the delay being caused by one of the many teams in St George. I don't really care about internal operational delays at St George, there is no justification for the delay and a make good payment of interest payable for the three days should occur. On another occasion I was enquiring about a mortgage to purchase another property. St George does not allocate loan applications to a single relationship manager and as a result each time I called during the application process I had to start again with a new person. Further no ticket or reference number is generated and almost no information is retained in their CRM system. This is basic client relationship stuff! I get the sense that you have reduced your workforce and outsourced customer support to the Phillipines under cover if COVID all while collecting government support payments and cheap government funding which has assisted all banks to achieve record profits. St George's infrastructure appears outdated and your customer service model is not responsive. Like all banks St George is going to loose market share to the more agile non-bank sector. I will never deal directly with St George ever again.

Read full review

St. George provide competitively priced products but customer support is terrible. I recently sold my house with settlement occurring on 19 July. St George's representative collected the buyer's bank check at the settlement ceremony and released property to the buyer. It is now three days later and my internet banking account with St George is not reflecting that the mortgage has been discharged or credited my account with the balance from the sale. It took an hour on the phone to find out status of settlement. I was given some long winded answer about the delay being caused by one of the many teams in St George. I don't really care about internal operational delays at St George, there is no justification for the delay and a make good payment of interest payable for the three days should occur. On another occasion I was enquiring about a mortgage to purchase another property. St George does not allocate loan applications to a single relationship manager and as a result each time I called during the application process I had to start again with a new person. Further no ticket or reference number is generated and almost no information is retained in their CRM system. This is basic client relationship stuff! I get the sense that you have reduced your workforce and outsourced customer support to the Phillipines under cover if COVID all while collecting government support payments and cheap government funding which has assisted all banks to achieve record profits. St George's infrastructure appears outdated and your customer service model is not responsive. Like all banks St George is going to loose market share to the more agile non-bank sector. I will never deal directly with St George ever again.

Price
7/10
Features
3/10
Customer service
1/10
Convenience
1/10
Trust
3/10
Less
James, Western Australia, reviewed about 17 hours ago
Bankwest Home Loan
Overall 1/10
I would not recommend bank west to my worst enemy

I have been a bank west customer for just over 12 months now having multiple home loans with them and the terrible customer service and wait times on hold -- I would not recommend bank west to my worst enemy let alone a friend.

Read full review

I have been a bank west customer for just over 12 months now having multiple home loans with them and the terrible customer service and wait times on hold -- I would not recommend bank west to my worst enemy let alone a friend.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Shane, Queensland, reviewed about 17 hours ago
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