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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

  • MOZO EXPERTS CHOICE 2017
    promoted

    Offset Variable 80

    Owner Occupier, Principal & Interest

    • Fully-featured, low rate home loan for owner occupiers. Pay off your home loan faster and with less interest
    • For purchases borrow up to 80% of the property value
    • Offset redraw facility has no monthly fees, no setup costs, and unlimited access to your funds. Apply online

    variable
    rate

    3.72% p.a.

    comparison
    rate*

    3.74% p.a.

    upfront
    fees

    $520

  • promoted

    Low Rate Home Loan with Offset

    LVR 80-90%, Owner Occupier

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account

    variable
    rate

    3.79% p.a.

    comparison
    rate*

    3.82% p.a.

    upfront
    fees

    $286

  • MOZO EXPERTS CHOICE 2017
    promoted

    Discounted Variable Home Loan Premium Plus Package

    Owner Occupier, Principal & Interest

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

    variable
    rate

    3.84% p.a.

    comparison
    rate*

    4.22% p.a.

    upfront
    fees

    $0

  • promoted

    Variable Rate Home Loan Premium Package

    LVR<80%, Owner Occupier

    • Ability to make unlimited bulk repayments without penalty
    • Offers borrowers up to three free splits
    • Access extra features such as multiple offset accounts

    variable
    rate

    3.85% p.a.

    comparison
    rate*

    4.16% p.a.

    upfront
    fees

    $0

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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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