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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.

  • Getting started is easy

    Simply compare today’s mortgage rates in the table below and enter your loan amount to calculate initial mortgage repayments for each loan.

  • How to find the best rates

    Some of the best value loans on the market are often from smaller lenders. Be sure to check the more info section for the minimum deposit required for each loan, as this can vary from 5% to 30%.

  • Don’t forget to check fees and features

    While you’re there, review the fees and features of each loan. Most variable loans offer free extra repayments and redraw, but not all loans offer a mortgage offset account. Common fees to be aware of include upfront fees, ongoing fees and discharge fees.

Home loan comparisons on Mozo - rates updated daily

  • Discounted Home Value Loan

    Owner Occupier, Principal & Interest

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

    interest
    rate

    3.59% p.a. variable

    comparison
    rate*

    3.60% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2017

    Essentials Variable 80

    Owner Occupier, Principal & Interest

    • 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

    interest
    rate

    3.64% p.a. variable

    comparison
    rate*

    3.66% p.a.

    upfront
    fees

    $520

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2017

    Discounted Variable Home Loan Premium Plus Package

    Owner Occupier, Principal & Interest

    • Interest rate of 3.64% p.a. variable & a comparison rate* of 4.03% p.a.
    • Owner Occupier, Principal & Interest
    • Experts Choice - Home Lender of the Year 2018

    interest
    rate

    3.64% p.a. variable

    comparison
    rate*

    4.03% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • Featured product

    Featured product

    Discount Variable Home Loan

    Owner Occupier, LVR<80%

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist

    interest
    rate

    3.69% p.a. variable

    comparison
    rate*

    3.71% p.a.

    upfront
    fees

    $150

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2017

    Basic Home Loan Special

    LVR<80%, Owner Occupier

    • Experts Choice Winner 2017 - Australia's Best Bank
    • Redraw available. Flexible repayments
    • Loan repayment pause for eco-upgrades to your home or maternity leave

    interest
    rate

    3.65% p.a. variable

    comparison
    rate*

    3.66% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • Featured product

    Featured product

    First Rate Home Loan

    Owner Occupier, Principal & Interest, LVR<80%

    • $0 establishment fee
    • $1,000 cash back
    • Deferred payments for the first 3 months

    interest
    rate

    3.69% p.a. variable

    comparison
    rate*

    3.74% p.a.

    upfront
    fees

    $600

    initial monthly
    repayment**

  • Bonus $1,000 into a USaver account
    MOZO EXPERTS CHOICE 2017

    UHomeLoan - Discount Offer

    Owner Occupier, Principal & Interest

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • Refinance your home loan and get a surprise bonus $1000 into a USaver account (Offer conditions apply)
    • 20% minimum deposit required

    interest
    rate

    3.69% p.a. variable

    comparison
    rate*

    3.69% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • Straightforward Home Loan

    LVR <90%, Owner Occupier, Principal & Interest

    • Low ongoing rate and no monthly fees
    • Free redraw
    • Unlimited extra repayments

    interest
    rate

    3.59% p.a. variable

    comparison
    rate*

    3.62% p.a.

    upfront
    fees

    $450

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2017

    Low Rate Essentials Home Loan

    LVR<85%, Owner Occupier

    • Ongoing low interest rate
    • No annual fees
    • Make extra repayments without penalty

    interest
    rate

    3.67% p.a. variable

    comparison
    rate*

    3.69% p.a.

    upfront
    fees

    $275

    initial monthly
    repayment**

  • Low Rate Special Variable Home Loan

    Owner Occupier, LVR<80%

    • Free redraw and unlimited repayments
    • 100% mortgage offset account
    • No upfront or ongoing fees

    interest
    rate

    3.73% p.a. variable

    comparison
    rate*

    3.73% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2017

    Flexible Home Loan Member Package

    Owner Occupier, LVR<80%, Principal & Interest

    • 3.69% p.a. / 4.11% p.a. Comp Rate
    • Annual Fee of $395. Loan size $400k-$699k
    • Owner Occupied. LVR <80%

    interest
    rate

    3.69% p.a. variable

    comparison
    rate*

    4.11% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • Variable Rate Residential Special Offer Connect Package

    Owner Occupier, Principal & Interest

    • $0 establishment fees (save $625)
    • Owner occupied variable, principal and interest rate of 3.79% *
    • 150,000^ Bendigo Bank Reward points.

    interest
    rate

    3.79% p.a. variable

    comparison
    rate*

    4.06% p.a.

    upfront
    fees

    $295

    initial monthly
    repayment**

  • Fixed Rate Loan

    Investment, Principal & Interest

    • Competitive rate
    • No monthly account keeping fees
    • Interest only repayment options

    interest
    rate

    3.99% p.a.
    fixed 3 years

    comparison
    rate*

    5.17% p.a.

    upfront
    fees

    $795

    initial monthly
    repayment**

  • Budget Home Loan Special

    LVR<90%, Owner Occupier, Principal & Interest

    • Free extra repayments
    • Free redraw facility
    • Split account available

    interest
    rate

    3.69% p.a. variable

    comparison
    rate*

    3.69% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • Low Rate Home Loan with Offset

    LVR<80%, Owner Occupier, Principal & Interest

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account

    interest
    rate

    3.64% p.a. variable

    comparison
    rate*

    3.67% p.a.

    upfront
    fees

    $286

    initial monthly
    repayment**

  • QLD Only

    Discounted Classic Home Loan

    LVR<80%, Owner Occupier

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

    interest
    rate

    3.78% p.a. variable

    comparison
    rate*

    3.80% p.a.

    upfront
    fees

    $200

    initial monthly
    repayment**

  • OMG Home Loan

    Owner Occupier, Principal & Interest

    • Easy online application
    • 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

    3.79% p.a. variable

    comparison
    rate*

    3.83% p.a.

    upfront
    fees

    $600

    initial monthly
    repayment**

  • Platinum Home Loan

    Owner Occupied, LVR<90%

    • Only 10% deposit & NO establishment fees
    • 24 hour approval, 100% offset & redraw
    • Award winning, customer owned banking

    interest
    rate

    3.87% p.a. variable

    comparison
    rate*

    3.97% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

Want more? Compare all 518 home loans in the Mozo comparison engine.

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*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.

**Initial monthly repayment figures are estimates only, based on the advertised rate, loan amount and term entered. 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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