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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

  • Mortgage House Advantage Home Loan 80 Special (Owner Occupier)

    Mortgage House Advantage Home Loan 80 Special (Owner Occupier)

    • $0 Application fees
    • Free & unlimited redraws
    • Instantly switch from your current variable rate to a fixed rate.

    variable rate

    3.73% p.a.

    comparison rate*

    3.88% p.a.

    Upfront fees

    $200

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    More info

    • $0 Application fees
    • Free & unlimited redraws
    • Instantly switch from your current variable rate to a fixed rate.
    • Variable rate: 3.73% p.a.
    • Comparison rate*: 3.88% p.a.
    • Upfront fees: $200
    • Ongoing fees: $10.00 monthly
    • Discharge fee: $450.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $500,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.0

    Based on 5 Mortgage House home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (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

    3.84% p.a.

    comparison rate*

    4.24% 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: 3.84% p.a.
    • Comparison rate*: 4.24% 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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  • MOZO EXPERTS CHOICE AWARDS 2016

    Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)

    Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)

    • 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

    Go to site

    More info

    • 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
    • Ongoing fees: $299.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - free
    • Maximum loan to value ratio: 80.00%
    • 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

    8.6

    Based on 8 Gateway Credit Union home loan reviews

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  • Illawarra Credit Union 2 Year Introductory Variable Home Loan

    Illawarra Credit Union 2 Year Introductory Variable Home Loan

    • Enjoy a low introductory variable rate for the first two years of your loan
    • Don’t pay any annual or ongoing fees
    • Choose weekly, fortnightly or monthly repayments

    variable rate

    3.85% p.a. variable for 24 months and then 4.85% p.a.

    comparison rate*

    4.71% p.a.

    Upfront fees

    $607

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    More info

    • Enjoy a low introductory variable rate for the first two years of your loan
    • Don’t pay any annual or ongoing fees
    • Choose weekly, fortnightly or monthly repayments
    • Variable rate: 3.85% p.a. variable for 24 months and then 4.85% p.a.
    • Comparison rate*: 4.71% p.a.
    • Upfront fees: $607
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $250,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    6.0

    Based on 3 Illawarra Credit Union home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    Gateway Credit Union Variable Rate Home Loan (LVR>80%, Owner Occupier) (Premium Package)

    Gateway Credit Union Variable Rate Home Loan (LVR>80%, Owner Occupier) (Premium Package)

    • Up to three free splits, keep a portion of your home loan fixed and a portion variable
    • 100% offset facility to reduce the amount of interest you pay on your loan
    • Redraw available with the flexibility to access funds when needed

    variable rate

    3.95% p.a.

    comparison rate*

    4.26% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Up to three free splits, keep a portion of your home loan fixed and a portion variable
    • 100% offset facility to reduce the amount of interest you pay on your loan
    • Redraw available with the flexibility to access funds when needed
    • Variable rate: 3.95% p.a.
    • Comparison rate*: 4.26% p.a.
    • Upfront fees: $0
    • Ongoing fees: $299.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - free
    • Maximum loan to value ratio: 95.00%
    • 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

    8.6

    Based on 8 Gateway Credit Union home loan reviews

    Need more information?
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    More info

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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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