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Home loans

Online loans mini mpp home loan comparisons on Mozo - last updated 17 May 2021

Search promoted home loans below or do a full Mozo database search. Advertiser disclosure.
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    Mozo Experts Choice 2021
    Smart Booster Home Loan

    1 Year Discounted Variable Rate, Owner Occupier, Principal & Interest, <80% LVR

    interest rate
    comparison rate
    Initial monthly repayment
    1.99% p.a.variable for 12 months and then 2.48% p.a. variable
    2.47% p.a.

    A super low introductory rate home loan with no monthly or ongoing fees. Unlimited free redraws and unlimited additional repayments to help you build your equity and own your home sooner. Multiple loan splits available. (Rates revert after introductory period ends). 20% minimum deposit required. Winner of two Mozo Expert's Choice Awards for 2021.

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    Fixed Rate Loan with Orange Advantage

    Owner Occupiers, Principal & Interest, LVR <80%

    interest rate
    comparison rate
    Initial monthly repayment
    2.04% p.a.
    fixed 3 years
    3.60% p.a.

    Know exactly what your repayments will be, and you can fix your rate for up to 5 years. No monthly, annual fee or transaction fees.

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    Mozo Experts Choice 2021
    Celebrate Variable Home Loan

    <60% LVR, Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    1.99% p.a. variable
    1.99% p.a.

    Fast and efficient online application. Automatic discounts as loan is paid off. Free extra repayments and redraw facility. Zero fees to consider. Min 40% deposit required. Winner of three Mozo Expert's Choice Awards for 2021.

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    Basic Home Loan

    Fixed, Owner Occupier, Principal & Interest, LVR 70-80%

    interest rate
    comparison rate
    Initial monthly repayment
    2.09% p.a.
    fixed 2 years
    2.44% p.a.

    Get a flexible loan structure with up to six loan accounts with different rate types. Make free extra repayments. Enjoy free redraw facility. No upfront or ongoing fees. Option to earn Qantas points.

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    UHomeLoan - Discount Offer

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.34% p.a. variable
    2.34% p.a.

    Enjoy a super low rate. $0 fees to consider. Fast and easy online application. Free redraw and free extra repayments. Flexible payment terms. Min 20% deposit required.

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    Fixed Home Loan Special Offer

    Owner Occupier, Principal & Interest, <80% LVR

    interest rate
    comparison rate
    Initial monthly repayment
    1.99% p.a.
    fixed 3 years
    2.83% p.a.

    Competitive low rates starting from 1.89% (2.85% comparison rate) 2 years fixed for owner occupiers. No monthly account keeping fees & No loan establishment fee.

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    UHomeLoan

    Owner Occupier, Interest Only

    interest rate
    comparison rate
    Initial monthly repayment
    2.09% p.a.
    fixed 3 years
    2.30% p.a.

    $0 ongoing fees, $0 annual fees & easy apply. Choose between weekly, fortnightly or monthly repayments.

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    Mozo Experts Choice 2021
    Liberate Variable Home Loan

    70-80% LVR, Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.19% p.a. variable
    2.08% p.a.

    Fast online application with no fees. Free extra repayments and redraw facility. Min 20% deposit. To reward borrowers for paying down their home loan, Athena will now automatically lower the rate as the loan is paid down. Winner of three Mozo Expert's Choice Awards for 2021.

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    Basic Home Loan

    Owner Occupier, LVR<60%, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.34% p.a. variable
    2.34% p.a.

    Competitive low rate. No application or account management fees. Get the flexibility to split your loan and set different repayment types. Enjoy fee free withdrawals of your savings.

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    Smart Home Loan 80

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    2.48% p.a. variable
    2.50% p.a.

    A low-rate home loan that could save you thousands, with no ongoing fees plus unlimited extra repayments and free redraws. You'll need to be borrowing $1 million or less and have at least a 20% deposit required.

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    Prime Home Loan

    Owner Occupier, Principal & Interest, LVR <70%

    interest rate
    comparison rate
    Initial monthly repayment
    2.44% p.a. variable
    2.49% p.a.

    A competitive rate for Aussies looking for a fast and flexible home loan. No credit scoring or ongoing fees. Extra repayments and redraw available. Get a dedicated specialist for the loan application process.

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    Mozo Experts Choice 2021
    Variable Home Loan Special

    Owner Occupier, Principal & Interest, LVR 70-80%

    interest rate
    comparison rate
    Initial monthly repayment
    2.29% p.a. variable
    2.32% p.a.

    Yard’s low-rate variable special home loan is packed with all features – unlimited additional repayments, free redraw, 100% offset account. Enjoy a simple online application. Special rate applies to home loan applications submitted by 31st May 2021. Low Cost Home Loan winner in the Mozo's Experts Choice award 2021.

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    Mozo Experts Choice 2021
    Discount Fixed Rate

    Owner Occupier, Principal & Interest, <80% LVR

    interest rate
    comparison rate
    Initial monthly repayment
    1.89% p.a.
    fixed 2 years
    3.05% p.a.

    Have the certainty of fixed repayments with a competitive rate from BOQ. Flexible repayment options available and make up to $5,000 in additional repayments annually. Fixed Rate Home Loan Winner in the Mozo Expert's Choice Awards for 2021.

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    Details
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    Fixed Rate Home Loan

    Owner Occupier, Principal & Interest, LVR <80%

    interest rate
    comparison rate
    Initial monthly repayment
    1.88% p.a.
    fixed 2 years
    2.86% p.a.

    Ability to split your home loan between Fixed and Variable. Dedicated Relationship Manager. Refinancers borrowing $250,000 or more will receive $3288 (T&Cs, eligibility and lending criteria apply).

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    Mozo Experts Choice 2021
    Variable Home Loan Special

    Owner Occupier, Principal & Interest, LVR <70%

    interest rate
    comparison rate
    Initial monthly repayment
    2.09% p.a. variable
    2.12% p.a.

    Yard’s low-rate variable special home loan is packed with all features – unlimited additional repayments, free redraw, 100% offset account. Enjoy a simple online application. Special rate applies to home loan applications submitted by 31st May 2021. Low Cost Home Loan winner in the Mozo Expert's Choice Awards for 2021.

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    Mozo Experts Choice 2021
    Well Balanced

    Owner Occupier, Principal & Interest, LVR <80%

    interest rate
    comparison rate
    Initial monthly repayment
    2.17% p.a. variable
    2.20% p.a.

    Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee. Purchase, Refinance or Equity Release purposes allowed. Offset Home Loan winner in the Mozo Expert's Choice Awards for 2021.

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    Special Fixed Rate Home Loan

    Owner Occupier, Principal & Interest

    interest rate
    comparison rate
    Initial monthly repayment
    1.98% p.a.
    fixed 3 years
    3.56% p.a.

    Great fixed low rate. Ability to split your loan between fixed and variable. Insurance discounts and $0 credit card or personal loan fee available. $2,000 cashback offer for investor & owner occupied home loans over $250k with LVR ≤80% when refinancing to Newcastle Permanent. Enjoy local branches and call centre.

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    Neat Home Loan

    Owner Occupier, Principal & Interest, LVR <60%

    interest rate
    comparison rate
    Initial monthly repayment
    2.19% p.a. variable
    2.20% p.a.

    Competitive variable rate. Borrowers choose their repayment schedule (weekly, fortnightly or monthly) and can also make extra repayments. Redraw facility available. Simple online application process. 40% deposit required.

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^See information about the Mozo Experts 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.

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

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Home Loan Reviews

Mortgage House Home Loan review
Overall 1/10
Stay away from these culprits

Worst lender in the market. I ended up paying more than 10% of my loan value as fee when i applied for equity on my existing loan. They pushed me into accepting a new loan with exuberant charges. I had no choice as the loan amount left to pay off was only 70,000.00 They victimized me and signaled me out as i went through the hardship scheme after loosing my job last year from COVID. heartless people, rude and look for every opportunity to rip you off with more and more fees. Nothing gets told upfront, it took 9 weeks to get the application approved after they advised me it's a 2 week process when i approached them for equity advise

Read full review

Worst lender in the market. I ended up paying more than 10% of my loan value as fee when i applied for equity on my existing loan. They pushed me into accepting a new loan with exuberant charges. I had no choice as the loan amount left to pay off was only 70,000.00 They victimized me and signaled me out as i went through the hardship scheme after loosing my job last year from COVID. heartless people, rude and look for every opportunity to rip you off with more and more fees. Nothing gets told upfront, it took 9 weeks to get the application approved after they advised me it's a 2 week process when i approached them for equity advise

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Leo, South Australia, reviewed 7 days ago
ME Basic Home Loan review
Overall 2/10
poor customer service

ME Customer service is terrible, incostistent, unreliable. Keep away!

Read full review

ME Customer service is terrible, incostistent, unreliable. Keep away!

Price
3/10
Features
3/10
Customer service
1/10
Convenience
3/10
Trust
4/10
Less
Tiffani, Australian Capital Territory, reviewed 7 days ago
Bank of Melbourne Home Loan review
Overall 1/10
Not sure if I would recommend BOM

Terrible customer service. Have been waiting 5 months for my loan application to go through and when I call I am told its approved and will take a week and am being told this info every week for 5 months now. This has been ongoing since January and still no service and no answers. You call the branch and mortgage number and no one can tell me anything and they cannot locate me as a customer

Read full review

Terrible customer service. Have been waiting 5 months for my loan application to go through and when I call I am told its approved and will take a week and am being told this info every week for 5 months now. This has been ongoing since January and still no service and no answers. You call the branch and mortgage number and no one can tell me anything and they cannot locate me as a customer

Price
6/10
Customer service
1/10
Trust
1/10
Less
Sophie, Victoria, reviewed 7 days ago
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