Compare & Save on

Home loans

  • If you're looking for a way into the housing market, a low deposit home loan could be your ticket to home ownership. Compare home loans that only require a 10 percent deposit or less in the table below.

Home loan comparisons on Mozo Rates updated daily

  • Hunter United New Year New Home Loan - Refinance (Owner Occupied, LVR<90%)

    Hunter United New Year New Home Loan - Refinance (Owner Occupied, LVR<90%)

    • $0 application fee when you switch your home loan from another lender
    • $500 cash back when your home loan settles (limited time offer)
    • 100% daily interest offset account

    interest rate

    3.79% p.a. variable

    comparison rate*

    3.89% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • $0 application fee when you switch your home loan from another lender
    • $500 cash back when your home loan settles (limited time offer)
    • 100% daily interest offset account
    • Ongoing fees: $8.00 monthly
    • Discharge fee: $80.00
    • Extra repayments: yes
    • Redraw facility: yes - 1st redraw per month free
    • Offset account: yes
    • Interest rate: 3.79% p.a. variable
    • Comparison rate*: 3.89% p.a.
    • Upfront fees: $0
    • 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?
    Go to site

    More info

  • Hunter United New Year New Home Loan (Owner Occupied, LVR<90%)

    Hunter United New Year New Home Loan (Owner Occupied, LVR<90%)

    • $500 cash back when your home loan settles (limited time offer)
    • 100% daily interest offset account
    • Only 10% deposit required for owner occupied properties

    interest rate

    3.79% p.a. variable

    comparison rate*

    3.91% p.a.

    Upfront fees

    $350

    Go to site

    More info

    • $500 cash back when your home loan settles (limited time offer)
    • 100% daily interest offset account
    • Only 10% deposit required for owner occupied properties
    • Ongoing fees: $8.00 monthly
    • Discharge fee: $80.00
    • Extra repayments: yes
    • Redraw facility: yes - 1st redraw per month free
    • Offset account: yes
    • Interest rate: 3.79% p.a. variable
    • Comparison rate*: 3.91% p.a.
    • Upfront fees: $350
    • 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?
    Go to site

    More info

  • 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

    interest rate

    3.83% p.a. variable

    comparison rate*

    4.14% 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
    • Ongoing fees: $299.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - free
    • Interest rate: 3.83% p.a. variable
    • Comparison rate*: 4.14% p.a.
    • Upfront fees: $0
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $1,000,000
    • 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?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    CUA Fresh Start Basic Variable Home Loan (Owner Occupier)

    CUA Fresh Start Basic Variable Home Loan (Owner Occupier)

    • Low interest rate
    • No ongoing fees
    • Free redraw facility for easy access to additional payments

    interest rate

    3.89% p.a. variable

    comparison rate*

    3.94% p.a.

    Upfront fees

    $795

    Go to site

    More info

    • Low interest rate
    • No ongoing fees
    • Free redraw facility for easy access to additional payments
    • Ongoing fees: $0.00
    • Discharge fee: $200.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Interest rate: 3.89% p.a. variable
    • Comparison rate*: 3.94% p.a.
    • Upfront fees: $795
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.8

    Based on 89 CUA home loan reviews

    Need more information?
    Go to site

    More info

  • NAB Base Variable Rate Home Loan (Owner Occupier, Principal & Interest)

    NAB Base Variable Rate Home Loan (Owner Occupier, Principal & Interest)

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility

    interest rate

    4.10% p.a. variable

    comparison rate*

    4.14% p.a.

    Upfront fees

    $600

    Go to site

    More info

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Interest rate: 4.10% p.a. variable
    • Comparison rate*: 4.14% p.a.
    • Upfront fees: $600
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $20,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 864 NAB home loan reviews

    Need more information?
    Go to site

    More info

  • RAMS Low Rate (Owner Occupier, Principal & Interest)

    RAMS Low Rate (Owner Occupier, Principal & Interest)

    • Low variable rate with no monthly fees
    • Flexibility to make extra repayments and redraw later
    • 100% offset account available

    interest rate

    4.45% p.a. variable

    comparison rate*

    4.51% p.a.

    Upfront fees

    $880

    Go to site

    More info

    • Low variable rate with no monthly fees
    • Flexibility to make extra repayments and redraw later
    • 100% offset account available
    • Ongoing fees: $0.00
    • Discharge fee: $295.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Interest rate: 4.45% p.a. variable
    • Comparison rate*: 4.51% p.a.
    • Upfront fees: $880
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $15,000
    • 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 73 RAMS home loan reviews

    Need more information?
    Go to site

    More info

Want more? Compare all 507 home loans in the Mozo comparison engine.

Compare all home loans

Look for a specific type of home loan:

* 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.

Switch & Save Calculator

Compare savings from over 100 home loans. How much could you save by switching your home loan? Find out in a few clicks.

Get started

Advertisement

Home loan resources