Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
|
|
Owner Occupier | Principal & Interest | < 80% | ||
|
|
Owner Occupier | Principal & Interest | 80%-95% | $5,000 | |
|
|
Owner Occupier | Interest Only | < 80% | $5,000 | |
|
|
Owner Occupier | Interest Only | 80%-90% | $5,000 | |
|
|
Investor | Principal & Interest | < 80% | $5,000 | |
|
|
Investor | Principal & Interest | 80%-95% | $5,000 | |
|
|
Investor | Interest Only | < 80% | $5,000 | |
|
|
Investor | Interest Only | 80%-90% | $5,000 |
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.79% (7.92%*) |
|
|
5.49% (7.65%*) |
|
|
5.49% (7.46%*) |
|
|
5.59% (7.31%*) |
|
|
5.59% (7.15%*) |
|
|
n/a |
|
|
n/a |
|
|
7.82% p.a. |
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$250.00 |
|
none |
|
|
none |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 p.a. |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
no |
|
|
Settlement fee is variable and depends on Solicitor costs. |
|
|
5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance. Rate Lock Option available for a fee of $750 per loan account. |
|
|
$2,000 online cashback for new purchase or refinance loans of $250,000 -$499,999.99, $3,000 for loan amounts of $500,000 or more. Up to 80% LVR. |
^See information about the Mozo Expert 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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.89% (7.93%*) |
|
|
5.59% (7.68%*) |
|
|
5.59% (7.48%*) |
|
|
5.69% (7.34%*) |
|
|
5.69% (7.19%*) |
|
|
n/a |
|
|
n/a |
|
|
7.82% p.a. |
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$250.00 |
|
$5,000 |
|
|
none |
|
|
80.00% |
|
|
95.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 p.a. |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
no |
|
|
Settlement fee is variable and depends on Solicitor costs. |
|
|
5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance. Rate Lock Option available for a fee of $750 per loan account. |
|
|
none |
^See information about the Mozo Expert 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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.19% (7.96%*) |
|
|
5.89% (7.74%*) |
|
|
5.89% (7.57%*) |
|
|
5.99% (7.45%*) |
|
|
5.99% (7.32%*) |
|
|
n/a |
|
|
n/a |
|
|
7.82% p.a. |
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$250.00 |
|
$5,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 p.a. |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
no |
|
|
Settlement fee is variable and depends on Solicitor costs. |
|
|
5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance. Rate Lock Option available for a fee of $750 per loan account. |
|
|
$2,000 online cashback for new purchase or refinance loans of $250,000 -$499,999.99, $3,000 for loan amounts of $500,000 or more. Up to 80% LVR. |
^See information about the Mozo Expert 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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.39% (7.98%*) |
|
|
6.09% (7.78%*) |
|
|
6.09% (7.62%*) |
|
|
6.19% (7.52%*) |
|
|
6.19% (7.41%*) |
|
|
n/a |
|
|
n/a |
|
|
7.82% p.a. |
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$250.00 |
|
$5,000 |
|
|
none |
|
|
80.00% |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 p.a. |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
no |
|
|
Settlement fee is variable and depends on Solicitor costs. |
|
|
5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance. Rate Lock Option available for a fee of $750 per loan account. |
|
|
none |
^See information about the Mozo Expert 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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.89% (8.22%*) |
|
|
5.59% (7.94%*) |
|
|
5.59% (7.71%*) |
|
|
5.69% (7.55%*) |
|
|
5.69% (7.37%*) |
|
|
n/a |
|
|
n/a |
|
|
8.16% p.a. |
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$250.00 |
|
$5,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 p.a. |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
no |
|
|
Settlement fee is variable and depends on Solicitor costs. |
|
|
5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance. Rate Lock Option available for a fee of $750 per loan account. |
|
|
$2,000 online cashback for new purchase or refinance loans of $250,000 -$499,999.99, $3,000 for loan amounts of $500,000 or more. Up to 80% LVR. |
^See information about the Mozo Expert 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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.99% (8.23%*) |
|
|
5.69% (7.96%*) |
|
|
5.69% (7.74%*) |
|
|
5.79% (7.58%*) |
|
|
5.79% (7.41%*) |
|
|
n/a |
|
|
n/a |
|
|
8.16% p.a. |
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$250.00 |
|
$5,000 |
|
|
none |
|
|
80.00% |
|
|
95.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 p.a. |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
no |
|
|
Settlement fee is variable and depends on Solicitor costs. |
|
|
5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance. Rate Lock Option available for a fee of $750 per loan account. |
|
|
none |
^See information about the Mozo Expert 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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.99% (8.23%*) |
|
|
5.69% (7.96%*) |
|
|
5.69% (7.74%*) |
|
|
5.79% (7.59%*) |
|
|
5.79% (7.42%*) |
|
|
n/a |
|
|
n/a |
|
|
8.16% p.a. |
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$250.00 |
|
$5,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 p.a. |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
no |
|
|
Settlement fee is variable and depends on Solicitor costs. |
|
|
5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance. Rate Lock Option available for a fee of $750 per loan account. |
|
|
$2,000 online cashback for new purchase or refinance loans of $250,000 -$499,999.99, $3,000 for loan amounts of $500,000 or more. Up to 80% LVR. |
^See information about the Mozo Expert 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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.09% (8.24%*) |
|
|
5.79% (7.98%*) |
|
|
5.79% (7.77%*) |
|
|
5.89% (7.62%*) |
|
|
5.89% (7.47%*) |
|
|
n/a |
|
|
n/a |
|
|
8.16% p.a. |
|
$0.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$250.00 |
|
$5,000 |
|
|
none |
|
|
80.00% |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $25,000 p.a. |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
no |
|
|
Settlement fee is variable and depends on Solicitor costs. |
|
|
5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance. Rate Lock Option available for a fee of $750 per loan account. |
|
|
none |
^See information about the Mozo Expert 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.
The Newcastle Permanent is a strong, trustworthy brand that consistently offers lower rate home loans than the major banks. They do require a higher deposit to start with, and they also work out if you can service the loan more strictly than the banks, but I see these as positives - it means you're definitely not over committing yourself and can make your repayments even if your borrowing capacity is lower than the banks offer. The staff are always friendly too.
Read full reviewThe Newcastle Permanent is a strong, trustworthy brand that consistently offers lower rate home loans than the major banks. They do require a higher deposit to start with, and they also work out if you can service the loan more strictly than the banks, but I see these as positives - it means you're definitely not over committing yourself and can make your repayments even if your borrowing capacity is lower than the banks offer. The staff are always friendly too.
Great Rate Home Loan
5.99% p.a. variable
6.01% p.a.
Basic Home Loan (Fixed)
5.39% p.a.
fixed 3 years
5.95% p.a.
Home Value Loan
6.09% p.a. variable
6.09% p.a.
Express Home Loan (Fixed)
6.04% p.a.
fixed 3 years
6.21% p.a.
Basic Home Loan
6.14% p.a. variable
6.16% p.a.
3 Year Fixed Rate Home Loan (Special Offer)
5.49% p.a.
fixed 3 years
6.62% p.a.
Great Rate Home Loan
5.99% p.a. variable
6.01% p.a.
Flex Home Loan
6.14% p.a. variable
6.38% p.a.
Express Home Loan
6.09% p.a. variable
6.22% p.a.
Elevate
6.18% p.a. variable
6.18% p.a.
Basic Home Loan
6.14% p.a.
6.16% p.a.
Great Rate Home Loan
5.99% p.a.
6.01% p.a.
Express Home Loan
6.09% p.a.
6.22% p.a.
OMG Home Loan
5.99% p.a.
6.02% p.a.
Elevate
6.18% p.a.
6.18% p.a.
Mortgage Simplifier
6.14% p.a.
6.17% p.a.
Offset Home Loan (Package)
6.14% p.a.
6.39% p.a.
Basic Home Loan (Fixed)
5.39% p.a.
fixed 3 years
5.95% p.a.
Express Home Loan (Fixed)
6.04% p.a.
fixed 3 years
6.21% p.a.
3 Year Fixed Rate Home Loan (Special Offer)
5.49% p.a.
fixed 3 years
6.62% p.a.
Fixed Home Loan Rate
5.59% p.a.
fixed 3 years
6.31% p.a.
Basic Home Loan (Fixed)
5.49% p.a.
fixed 3 years
6.02% p.a.
3 Year Fixed Rate Home Loan (Special Offer)
5.59% p.a.
fixed 3 years
6.64% p.a.
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.
