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Fixed rate home loan comparisons on Mozo - last updated 15 April 2021

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    Special Offer Fixed Rate Home Loan

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    1.99% p.a.
    fixed 3 years
    2.70% p.a.

    Limited time 3 Year Fixed Rate Special Offer for purchase or refinance. Rate lock option available. No monthly or ongoing fees.

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    UHomeLoan

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    1.75% p.a.
    fixed 3 years
    2.22% 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
    2.43% 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.

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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.

    Great fixed low rate. Ability to split your loan between fixed and variable. Insurance discounts and $0 credit card or personal loan fee available. $2,000 cashback offer for investor & owner occupied home loans over $250k with LVR ≤80% when refinancing to Newcastle Permanent. Enjoy local branches and call centre.

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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. Refinancers borrowing $250,000 or more will receive $3288 (T&Cs, eligibility and lending criteria apply).

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    Star Classic Fixed Special Home Loan

    Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    1.74% p.a.
    fixed 2 years
    2.23% p.a.

    Enjoy a new and unbelievably low introductory rate home loan for one year. Unlimited free online redraws and additional repayments up to $20K to help you pay off your home sooner. Multiple loan splits possible and flexible replacements. (Rates revert after introductory period ends).

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    Fixed Rate Home Loan

    LVR <80%, Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    1.89% p.a.
    fixed 3 years
    3.03% p.a.

    A People’s Choice 3 year fixed home loan allows you to enjoy a simple, non-complicated home loan with a competitive rate. There are no restrictions to the number of loans you can combine on a package. Lock in a competitive fixed interest rate with People’s Choice.

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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
    2.17% p.a.

    Super low rates from an online lender and the personal support from a family run company Free extra repayments and redraw facility. Flexible repayment schedule.

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    Special Offer Reward Me Fixed Rate Home Loan

    Owner Occupier, LVR <80%, 300k+

    interest rate
    comparison rate
    Initial monthly repayment
    1.94% p.a.
    fixed 2 years
    2.77% 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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    Basic Home Loan

    Fixed, Owner Occupier, Principal & Interest, LVR 70-80%

    interest rate
    comparison rate
    Initial monthly repayment
    2.09% p.a.
    fixed 2 years
    2.56% 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.

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    Details
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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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    Fixed Rate

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.04% p.a.
    fixed 3 years
    3.83% p.a.

    Fixed for 3 years on owner occupied home loan under the ANZ Breakfree package. Pick from 1 to 5, 7 and 10 year fixed rate terms (with a maximum overall term of 30 years) and repay weekly, fortnightly or monthly. ANZ has not verified the accuracy of the information displayed in relation to ANZ home loan products, features and product interest rates and is not responsible for any inaccuracies (if any) in the information shown.

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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 apply and no ongoing fees. Choose between weekly, fortnightly or monthly repayments. 1 year fixed rates are for new Owner Occupier Principal & Interest loans.

    Compare
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    Details
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    Fixed Home Loan

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.88% p.a.
    fixed 3 years
    2.89% p.a.

    This home loan is available for purchase or refinance, complete with 1, 2 or 3 year fixed rate options. Minimum 10% deposit required.

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    Details
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    UHomeLoan

    Owner Occupier, Interest Only

    interest rate
    comparison rate
    Initial monthly repayment
    2.09% p.a.
    fixed 3 years
    2.30% p.a.

    $0 ongoing fees, $0 annual fees & easy apply. Choose between weekly, fortnightly or monthly repayments.

    Compare
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    Details
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*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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Bank of Queensland Economy review
Overall 10/10
Great staff, a few banks but lack ATMs.

Staff are great and cash back was awesome. Not many ATMs and the phone app was designed in 2001. Absolutely shocking. You can't name your accounts. You can't lock a card if it's lost or stolen. No chat to ask any questions.

Read full review

Staff are great and cash back was awesome. Not many ATMs and the phone app was designed in 2001. Absolutely shocking. You can't name your accounts. You can't lock a card if it's lost or stolen. No chat to ask any questions.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
2/10
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Dale, Victoria, reviewed about 3 hours ago
St.George Fixed Home Loan review
Overall 1/10
Ridiculous customer service.

Spoke to a mobile lender who seemed to be assisting me well initially with a home loan refinance at a branch. All I needed to do was get back to him as to if I wanted to refinance on my home loan or investment property. After 5 phone calls over 6 days there was absolutely no response from him. His voicemail states he makes contact be end of business which is completely false. When I was at the branch he was training someone whilst going through my personal details. I didn’t mind at the time, however I now I feel he was only being professional for her benefit and my application was used to assist St George’s training program for new staff only with zero post customer service or follow up and zero benefit to me, the customer. St George have a great home loan but it means absolutely nothing if you can’t even apply for it. Ridiculous.

Read full review

Spoke to a mobile lender who seemed to be assisting me well initially with a home loan refinance at a branch. All I needed to do was get back to him as to if I wanted to refinance on my home loan or investment property. After 5 phone calls over 6 days there was absolutely no response from him. His voicemail states he makes contact be end of business which is completely false. When I was at the branch he was training someone whilst going through my personal details. I didn’t mind at the time, however I now I feel he was only being professional for her benefit and my application was used to assist St George’s training program for new staff only with zero post customer service or follow up and zero benefit to me, the customer. St George have a great home loan but it means absolutely nothing if you can’t even apply for it. Ridiculous.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
S, New South Wales, reviewed about 3 hours ago
ING Orange Advantage (Package) review
Overall 10/10
Lower interest, lower repayment.

ING recently helped us refinance our mortgage, leveraging a lower interest rate, maximising our property worth and putting more money back in our pockets. They were friendly and honest, and handled everything in the transition process from one back to another.

Read full review

ING recently helped us refinance our mortgage, leveraging a lower interest rate, maximising our property worth and putting more money back in our pockets. They were friendly and honest, and handled everything in the transition process from one back to another.

Price
10/10
Features
10/10
Customer service
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Convenience
10/10
Trust
10/10
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Cameron, New South Wales, reviewed about 3 hours ago
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