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Home Loans

  • Mozo's expert home loan comparisons can help you save thousands by finding the best home loan rates and features for your needs. We compare over 500 home loans from 80 lenders to help you find the right loan quickly and easily.

Home loan comparisons on Mozo - rates updated daily

  • promoted

    Variable Home Loan

    Owner Occupier

    • THE WORLD'S FIRST INSTANT HOME LOAN
    • Get full approval, not pre-approval. 100% online, real-time assessment and an answer in 22 minutes
    • No application, assessment or valuation fees

    interest
    rate

    3.68% p.a. variable

    comparison
    rate*

    3.69% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • promoted

    Equaliser Home Loan

    Owner Occupier

    • Switch with confidence to Bankwest's Equaliser Home Loan
    • A variable rate loan for Owner Occupiers making Principal and Interest repayments, with a 3 year introductory period
    • Flexible repayment options, Free online redraw & No monthly fees

    interest
    rate

    3.72% p.a.variable for 36 months and then 4.32% p.a. variable

    comparison
    rate*

    4.19% p.a.

    upfront
    fees

    $250

    initial monthly
    repayment**

  • Featured product

    Featured product

    promoted

    UHomeLoan - Value Offer

    Owner Occupier, Principal & Interest

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

    interest
    rate

    3.74% p.a. variable

    comparison
    rate*

    3.74% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • 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

    interest
    rate

    3.74% p.a. variable

    comparison
    rate*

    4.14% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • promoted

    Flexible Home Loan

    Fixed, Owner Occupier

    • Option to split your loan into fixed and variable
    • Offset available & no fees to redraw
    • Meet a mobile banker at a time or place that suits you

    interest
    rate

    3.74% p.a.
    fixed 2 years

    comparison
    rate*

    4.81% p.a.

    upfront
    fees

    $400

    initial monthly
    repayment**

  • promoted

    Kick Starter Home Loan

    Owner Occupier, Principal & Interest

    • No annual fee on a credit card of your choice
    • Free transaction account with a Visa Debit
    • Unlimited redraws ($500 min)

    interest
    rate

    3.79% p.a. variable

    comparison
    rate*

    3.82% p.a.

    upfront
    fees

    $600

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2017
    promoted

    OMG Home Loan

    Owner Occupier, Principal & Interest

    • Make it happen with Experts Choice Winner - Home Loan Credit Union of the Year 2017
    • Choose Principal and Interest or Interest Only options for your bcu OMG loan
    • With redraw facility available and easy pre-approval valid for 3 months, we will make it happen. Apply online now

    interest
    rate

    3.84% p.a. variable

    comparison
    rate*

    4.09% p.a.

    upfront
    fees

    $900

    initial monthly
    repayment**

  • promoted

    Discounted Home Value Loan

    Owner Occupier

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest
    rate

    3.85% p.a. variable

    comparison
    rate*

    3.86% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2017
    promoted

    Variable Rate Home Loan Premium Package

    LVR<80%, Owner Occupier

    • Ability to make unlimited bulk repayments without penalty
    • Offers borrowers up to three free splits
    • Access extra features such as multiple offset accounts

    interest
    rate

    3.85% p.a. variable

    comparison
    rate*

    4.16% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2017
    promoted

    Platinum Home Loan

    Owner Occupied, LVR<90%

    • Join the Big Bank Rebellion and pay NO application or valuation fees
    • Only 10% deposit required, 100% offset & redraw facilities
    • Award winning, customer owned banking

    interest
    rate

    3.87% p.a. variable

    comparison
    rate*

    3.97% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • QLD Only
    promoted

    Discounted Classic Home Loan

    LVR<80%, Owner Occupier

    • Free online redraw
    • No penalty for extra repayments
    • No monthly fees

    interest
    rate

    3.88% p.a. variable

    comparison
    rate*

    3.89% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • promoted

    Discount Ultimate Home Loan Package

    Owner Occupier, Principal & Interest, LVR<70%

    • Owner Occupied or Investment
    • Fully Featured Home Loan including 100% Offset and Redraw
    • Bank with Queensland’s largest regionally based, Member Owned Credit Union

    interest
    rate

    3.88% p.a. variable

    comparison
    rate*

    4.24% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • promoted

    Mortgage Saver

    Owner Occupier

    • Owner occupiers in Queensland only
    • Unlimited repayments at no extra cost and redraw
    • Borrow up to 95% of the property value, ideal for first-time buyers & young families

    interest
    rate

    3.95% p.a. variable

    comparison
    rate*

    3.95% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • promoted

    Complete Fixed Home Loan Package

    LVR<90%, Owner Occupier, Principal & Interest

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

    interest
    rate

    3.98% p.a.
    fixed 3 years

    comparison
    rate*

    4.41% p.a.

    upfront
    fees

    $250

    initial monthly
    repayment**

  • promoted

    Discount 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% p.a. variable

    comparison
    rate*

    3.99% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • promoted

    Health, Wealth and Happiness Variable Rate Package

    Owner Occupier, Principal & Interest

    • No annual fee on a credit card of your choice
    • 100% offset facility
    • Owner occupied only

    interest
    rate

    3.99% p.a. variable

    comparison
    rate*

    4.02% p.a.

    upfront
    fees

    $600

    initial monthly
    repayment**

  • promoted

    Flexible Home Loan

    Fixed, Owner Occupier, LVR <80%, Principal & Interest

    • Option to split your loan into fixed and variable
    • Offset available & no fees to redraw
    • Meet a mobile banker at a time or place that suits you

    interest
    rate

    3.99% p.a.
    fixed 3 years

    comparison
    rate*

    4.77% p.a.

    upfront
    fees

    $400

    initial monthly
    repayment**

  • Big 4 Deal!
    promoted

    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

    4.17% p.a. variable

    comparison
    rate*

    4.21% p.a.

    upfront
    fees

    $600

    initial monthly
    repayment**

Want more? Compare all 513 home loans in the Mozo comparison engine.

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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.

**Monthly repayment figures are estimates only, based on the advertised rate, loan amount and term entered. Fees are included in the representative example but not the monthly repayment. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

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