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Refinance Home Loans

  • You could save thousands by refinancing your home loan. Many banks and online home loan lender's most competitive rates are available for refinancing. Check out the table below for some of the current refinance deals on the market.

  • What does LVR mean?

    LVR is short for loan to value ratio. This is the amount of money you can borrow, relative to the value your property. Most home loans that are available for refinancing will require you to have a LVR of 80% or below.

  • Is refinancing my home loan worth it?

    It is always a good idea to review your home loan every few years to make sure you're still getting the best deal. The home loans market has become very competitive in the past few years and by switching loans and refinancing you could save as much as $35,000 or more. Try our health check tool to see how much you could save?

Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE 2017
    promoted

    Essentials Variable 80

    Owner Occupier, Principal & Interest

    • A no-bells-and-whistles loan with a super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    variable
    rate

    3.64% p.a.

    comparison
    rate*

    3.66% p.a.

    upfront
    fees

    $520

  • promoted

    The Online Home Loan

    LVR<80%, Owner Occupier

    • Free offset account
    • No ongoing fees
    • Easy online application

    variable
    rate

    3.69% p.a.

    comparison
    rate*

    3.69% p.a.

    upfront
    fees

    $440

  • 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

    UHomeLoan - Value Offer

    Owner Occupier, Principal & Interest

    • Experts Choice Winner - Home Loans 2016
    • No monthly fees
    • 20% minimum deposit required

    variable
    rate

    3.74% p.a.

    comparison
    rate*

    3.74% p.a.

    upfront
    fees

    $0

  • 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

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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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