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Home Loans

  • Welcome to Mozo's home loans hub. We can help save you thousands on your current loan or help you find the perfect loan for your perfect first home. Mozo has everything you need to compare home loans helping you to find the right loan quickly and easily.

Home loan comparisons on Mozo Rates updated daily

  • loans.com.au Move Fast Special (Owner Occupier)

    loans.com.au Move Fast Special (Owner Occupier)

    • Unlimited free redraws
    • Split loan facility
    • Available for purchase and refinance

    interest rate

    3.63% variable

    comparison rate*

    4.03%

    Upfront fees

    $520

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    More info

    • Unlimited free redraws
    • Split loan facility
    • Available for purchase and refinance
    • Interest rate: 3.63% variable
    • Comparison rate*: 4.03%
    • Upfront fees: $520
    • Ongoing fees: $375.00 yearly
    • Discharge fee: $550.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 202 loans.com.au home loan reviews

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  • UBank UHomeLoan - Value Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Value Offer (Owner Occupier, Principal & Interest)

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

    interest rate

    3.74% variable

    comparison rate*

    3.74%

    Upfront fees

    $0

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    More info

    • Experts Choice Winner - Home Loans 2016
    • No monthly fees
    • 20% Minimum deposit required
    • Interest rate: 3.74% variable
    • Comparison rate*: 3.74%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    4.8

    Based on 56 UBank home loan reviews

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  • Newcastle Permanent Discounted Variable Home Loan (Owner Occupier) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier) (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

    interest rate

    3.84% variable

    comparison rate*

    4.20%

    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
    • Interest rate: 3.84% variable
    • Comparison rate*: 4.20%
    • Upfront fees: $0
    • Ongoing fees: $375.00 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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  • Hunter United Credit Union Dream Home Loan - Platinum (Owner Occupier, LVR<90%)

    Hunter United Credit Union Dream Home Loan - Platinum (Owner Occupier, LVR<90%)

    • 100% interest offset facility
    • Low deposit - from 10% of purchase price (Owner Occupier)
    • No annual fee

    interest rate

    3.95% variable

    comparison rate*

    4.07%

    Upfront fees

    $350

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    More info

    • 100% interest offset facility
    • Low deposit - from 10% of purchase price (Owner Occupier)
    • No annual fee
    • Interest rate: 3.95% variable
    • Comparison rate*: 4.07%
    • Upfront fees: $350
    • Ongoing fees: $8.00 monthly
    • Discharge fee: $80.00
    • Extra repayments: yes
    • Redraw facility: yes - fees apply
    • Offset account: yes
    • 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 Credit Union home loan reviews

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  • Bank Australia Basic Home Loan Full Salary Credit (Owner Occupier)

    Bank Australia Basic Home Loan Full Salary Credit (Owner Occupier)

    • No monthly fees
    • Redraw available
    • 3.98% p.a. variable rate

    interest rate

    3.98% variable

    comparison rate*

    4.02%

    Upfront fees

    $595

    Go to site

    More info

    • No monthly fees
    • Redraw available
    • 3.98% p.a. variable rate
    • Interest rate: 3.98% variable
    • Comparison rate*: 4.02%
    • Upfront fees: $595
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.7

    Based on 35 Bank Australia home loan reviews

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  • Greater Bank Great Rate Home Loan (Owner Occupier, LVR<85%, over $150k)

    Greater Bank Great Rate Home Loan (Owner Occupier, LVR<85%, over $150k)

    • Experts Choice Winner 2016
    • No ongoing fee. No establishment fee. Free internet redraw facility
    • NSW, QLD, ACT customers only

    interest rate

    3.99% variable

    comparison rate*

    3.99%

    Upfront fees

    $0

    Go to site

    More info

    • Experts Choice Winner 2016
    • No ongoing fee. No establishment fee. Free internet redraw facility
    • NSW, QLD, ACT customers only
    • Interest rate: 3.99% variable
    • Comparison rate*: 3.99%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 85.00%
    • 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

    8.6

    Based on 62 Greater Bank home loan reviews

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  • Greater Bank Discount Ultimate Home Loan (LVR<85%, over $150K, Owner Occupier) (Package)

    Greater Bank Discount Ultimate Home Loan (LVR<85%, over $150K, Owner Occupier) (Package)

    • Experts Choice Winner 2016
    • 100% offset account. No establishment fee
    • Free internet redraw facility

    interest rate

    3.99% variable

    comparison rate*

    4.36%

    Upfront fees

    $0

    Go to site

    More info

    • Experts Choice Winner 2016
    • 100% offset account. No establishment fee
    • Free internet redraw facility
    • Interest rate: 3.99% variable
    • Comparison rate*: 4.36%
    • Upfront fees: $0
    • Ongoing fees: $375.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: yes
    • Maximum loan to value ratio: 85.00%
    • 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

    8.6

    Based on 62 Greater Bank home loan reviews

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  • Bankwest Complete Variable Home Loan (LVR<80% $200k-$1.5m, Owner Occupier) (Package)

    Bankwest Complete Variable Home Loan (LVR<80% $200k-$1.5m, Owner Occupier) (Package)

    • $0 home loan application fees
    • $0 annual fee on your choice of a rewards credit card
    • $0 property valuation fees with your home loan application

    interest rate

    4.02% variable

    comparison rate*

    4.43%

    Upfront fees

    $150

    Go to site

    More info

    • $0 home loan application fees
    • $0 annual fee on your choice of a rewards credit card
    • $0 property valuation fees with your home loan application
    • Interest rate: 4.02% variable
    • Comparison rate*: 4.43%
    • Upfront fees: $150
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $338.20
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $1,499,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.7

    Based on 315 Bankwest home loan reviews

    Need more information?
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    More info

  • Bank Australia Basic Home Loan (Owner Occupier)

    Bank Australia Basic Home Loan (Owner Occupier)

    • No monthly fees
    • Redraw available
    • Option to fix full loan or split between fixed and variable

    interest rate

    4.10% variable

    comparison rate*

    4.14%

    Upfront fees

    $595

    Go to site

    More info

    • No monthly fees
    • Redraw available
    • Option to fix full loan or split between fixed and variable
    • Interest rate: 4.10% variable
    • Comparison rate*: 4.14%
    • Upfront fees: $595
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.7

    Based on 35 Bank Australia home loan reviews

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

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

    • $0 upfront fees
    • No annual or monthly fees
    • Free extra repayments and redraw facility

    interest rate

    4.20% variable

    comparison rate*

    4.21%

    Upfront fees

    $0

    Go to site

    More info

    • $0 upfront fees
    • No annual or monthly fees
    • Free extra repayments and redraw facility
    • Interest rate: 4.20% variable
    • Comparison rate*: 4.21%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • 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

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  • Liberty Sharp Home Loan (LVR<70%, Owner Occupier)

    Liberty Sharp Home Loan (LVR<70%, Owner Occupier)

    • Great low rate
    • No on-going fees
    • Set and forget

    interest rate

    4.24% variable

    comparison rate*

    4.31%

    Upfront fees

    $995

    Go to site

    More info

    • Great low rate
    • No on-going fees
    • Set and forget
    • Interest rate: 4.24% variable
    • Comparison rate*: 4.31%
    • Upfront fees: $995
    • Ongoing fees: $0.00
    • Discharge fee: $395.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • Offset account: No
    • Maximum loan to value ratio: 70.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    2.5

    Based on 21 Liberty home loan reviews

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  • Liberty Star Home Loan (LVR<70%, Owner Occupier)

    Liberty Star Home Loan (LVR<70%, Owner Occupier)

    • 100% offset
    • Free redraw
    • Options to fix

    interest rate

    4.24% variable

    comparison rate*

    4.54%

    Upfront fees

    $0

    Go to site

    More info

    • 100% offset
    • Free redraw
    • Options to fix
    • Interest rate: 4.24% variable
    • Comparison rate*: 4.54%
    • Upfront fees: $0
    • Ongoing fees: $295.00 yearly
    • Discharge fee: $395.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 70.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $1,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    2.5

    Based on 21 Liberty home loan reviews

    Need more information?
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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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