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Full feature home loans

  • A home loan is probably the biggest financial commitment you'll ever make, so make it work for you. You'll get the lot with a full featured home loan (also dubbed flexible home loan) such as an abundance of features and the ability to adjust the package as your life changes.

  • What does a full feature home loan have that other loans don't?

    Whether you need a home loan top up to renovate your home or require home loan portability to move your old mortgage to your new house, a full featured home loan should do the trick. Weddings, babies and promotions - you just can't plan for the unexpected.

  • What are the key features of a fully featured home loan?

    As the name suggests a fully featured home loan gives you options - and plenty of them! You can attach an offset account to your home loan, select your repayment schedule, split your loan between fixed and variable rates and make extra repayments usually without being stung with a high fee.

  • What should I consider when selecting a full feature home loan?

    Ever heard the saying "there's no such thing as a free lunch?" While flexible home loans give you standout features, higher interest rates or monthly fees are often attached. So take the time to work out how much flexibility you really need and whether you're willing to pay more for those extra options.

Home loan comparisons on Mozo Rates updated daily

  • Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier, LVR<70%)

    Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier, LVR<70%)

    • Free redraw and unlimited repayments
    • 100% mortgage offset account
    • No upfront or ongoing fees

    variable rate

    3.73% p.a.

    comparison rate*

    3.73% p.a.

    Upfront fees

    $0

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    More info

    • Free redraw and unlimited repayments
    • 100% mortgage offset account
    • No upfront or ongoing fees
    • Variable rate: 3.73% p.a.
    • Comparison rate*: 3.73% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $295.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 70.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.5

    Based on 27 Beyond Bank home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier) (Premium Plus Package)

    • Experts Choice - Home Lender of the Year 2016
    • $0 application fee. 100% offset facility available
    • Additional repayments and redraws at any time

    variable rate

    3.74% p.a.

    comparison rate*

    4.12% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Experts Choice - Home Lender of the Year 2016
    • $0 application fee. 100% offset facility available
    • Additional repayments and redraws at any time
    • Variable rate: 3.74% p.a.
    • Comparison rate*: 4.12% p.a.
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee:
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.5

    Based on 80 Newcastle Permanent home loan reviews

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  • Australian Unity Kick Starter Home Loan (Owner Occupier)

    Australian Unity Kick Starter Home Loan (Owner Occupier)

    • No annual fee on a credit card of your choice
    • Free transaction account with a Visa Debit
    • Unlimited redraws ($500 min)

    variable rate

    3.79% p.a.

    comparison rate*

    3.82% p.a.

    Upfront fees

    $600

    Go to site

    More info

    • No annual fee on a credit card of your choice
    • Free transaction account with a Visa Debit
    • Unlimited redraws ($500 min)
    • Variable rate: 3.79% p.a.
    • Comparison rate*: 3.82% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $375.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • Hunter United Get A Better Home Loan - Refinance (Owner Occupied, LVR<90%)

    Hunter United Get A Better Home Loan - Refinance (Owner Occupied, LVR<90%)

    • $0 application fee & $0 valuation fee – for a limited time only.
    • 100% daily interest offset facility
    • Only 10% deposit required for owner occupiers

    variable rate

    3.79% p.a.

    comparison rate*

    3.89% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • $0 application fee & $0 valuation fee – for a limited time only.
    • 100% daily interest offset facility
    • Only 10% deposit required for owner occupiers
    • Variable rate: 3.79% p.a.
    • Comparison rate*: 3.89% p.a.
    • Upfront fees: $0
    • Ongoing fees: $8.00 monthly
    • Discharge fee: $80.00
    • Extra repayments: yes
    • Redraw facility: yes - 1st redraw per month free
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $300,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    9.7

    Based on 3 Hunter United home loan reviews

    Need more information?
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  • Hunter United Get A Better Home Loan (Owner Occupied, LVR<90%)

    Hunter United Get A Better Home Loan (Owner Occupied, LVR<90%)

    • Reduce your monthly repayments with a lower rate
    • 100% daily interest offset facility
    • Only 10% deposit required for owner occupiers

    variable rate

    3.79% p.a.

    comparison rate*

    3.91% p.a.

    Upfront fees

    $350

    Go to site

    More info

    • Reduce your monthly repayments with a lower rate
    • 100% daily interest offset facility
    • Only 10% deposit required for owner occupiers
    • Variable rate: 3.79% p.a.
    • Comparison rate*: 3.91% p.a.
    • Upfront fees: $350
    • Ongoing fees: $8.00 monthly
    • Discharge fee: $80.00
    • Extra repayments: yes
    • Redraw facility: yes - 1st redraw per month free
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $300,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    9.7

    Based on 3 Hunter United home loan reviews

    Need more information?
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    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Greater Bank Discount Great Rate Home Loan (Owner Occupier, LVR<85%, over $150k)

    Greater Bank Discount Great Rate Home Loan (Owner Occupier, LVR<85%, over $150k)

    • Experts Choice Winner 2016
    • No ongoing fee. No establishment fee. Free internet redraw facility
    • NSW, QLD, ACT customers only

    variable rate

    3.89% p.a.

    comparison rate*

    3.89% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Experts Choice Winner 2016
    • No ongoing fee. No establishment fee. Free internet redraw facility
    • NSW, QLD, ACT customers only
    • Variable rate: 3.89% p.a.
    • Comparison rate*: 3.89% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 85.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.6

    Based on 62 Greater Bank home loan reviews

    Need more information?
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    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Australian Unity Health, Wealth and Happiness Variable Rate (Owner Occupier) (Package)

    Australian Unity Health, Wealth and Happiness Variable Rate (Owner Occupier) (Package)

    • No annual fee on a credit card of your choice
    • 100% offset facility
    • Owner occupied only

    variable rate

    3.99% p.a.

    comparison rate*

    4.02% p.a.

    Upfront fees

    $600

    Go to site

    More info

    • No annual fee on a credit card of your choice
    • 100% offset facility
    • Owner occupied only
    • Variable rate: 3.99% p.a.
    • Comparison rate*: 4.02% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $375.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $2,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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    More info

Want more? Compare all 497 home loans in the Mozo comparison engine.

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* The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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