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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

  • MOZO EXPERTS CHOICE AWARDS 2016

    HSBC Home Value Loan (Owner Occupier)

    HSBC 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

    3.55% p.a. variable

    comparison rate*

    3.57% p.a.

    Upfront fees

    $253

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Interest rate: 3.55% p.a. variable
    • Comparison rate*: 3.57% p.a.
    • Upfront fees: $253
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.1

    Based on 32 HSBC home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    State Custodians Standard Variable Spring Special (LVR<80%, Owner Occupier)

    State Custodians Standard Variable Spring Special (LVR<80%, Owner Occupier)

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

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.92% p.a.

    Upfront fees

    $286

    Go to site

    More info

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.92% p.a.
    • Upfront fees: $286
    • Ongoing fees: $299.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • 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, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 3 State Custodians home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    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

    3.64% p.a. variable

    comparison rate*

    3.64% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Experts Choice Winner - Home Loans 2016
    • No monthly fees
    • 20% minimum deposit required
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.64% p.a.
    • 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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  • Mortgage House Standard 2 Year Fixed (Owner Occupier, PAYG Special)

    Mortgage House Standard 2 Year Fixed (Owner Occupier, PAYG Special)

    • 100% Offset Facility
    • Additional Repayment available
    • Easy online application process

    interest rate

    3.66% p.a.
    fixed 2 years

    comparison rate*

    4.36% p.a.

    Upfront fees

    $200

    Go to site

    More info

    • 100% Offset Facility
    • Additional Repayment available
    • Easy online application process
    • Interest rate: 3.66% p.a.
      fixed 2 years
    • Comparison rate*: 4.36% p.a.
    • Upfront fees: $200
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $500.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 70.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount: $500,000
    • Type of loan: Fixed
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.0

    Based on 5 Mortgage House home loan reviews

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  • BCU OMG Home Loan

    BCU OMG Home Loan

    • Credit Union of the Year by Money Magazine
    • Easy Online Application
    • Redraw Available

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.95% p.a.

    Upfront fees

    $900

    Go to site

    More info

    • Credit Union of the Year by Money Magazine
    • Easy Online Application
    • Redraw Available
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.95% p.a.
    • Upfront fees: $900
    • Ongoing fees: $198.00 yearly
    • Discharge fee: $395.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.9

    Based on 13 BCU home loan reviews

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  • Bankwest Complete Fixed Home Loan (LVR<90%, Owner Occupier) (Package)

    Bankwest Complete Fixed Home Loan (LVR<90%, Owner Occupier) (Package)

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

    interest rate

    3.69% p.a.
    fixed 2 years

    comparison rate*

    4.29% p.a.

    Upfront fees

    $150

    Go to site

    More info

    • $0 home loan application fees
    • $0 annual fee on your choice of a platinum rewards credit cards
    • $0 property valuation fees with your home loan application
    • Interest rate: 3.69% p.a.
      fixed 2 years
    • Comparison rate*: 4.29% p.a.
    • Upfront fees: $150
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $338.20
    • Extra repayments: yes - free up to $10,000 a year
    • Redraw facility: no
    • Offset account: yes - partial only
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • 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

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  • State Custodians Breathe Easy Spring Special (LVR<80%, Owner Occupier)

    State Custodians Breathe Easy Spring Special (LVR<80%, Owner Occupier)

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

    interest rate

    3.72% p.a. variable

    comparison rate*

    3.75% p.a.

    Upfront fees

    $286

    Go to site

    More info

    • $0 Annual Fee, $0 Application Fee
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account
    • Interest rate: 3.72% p.a. variable
    • Comparison rate*: 3.75% p.a.
    • Upfront fees: $286
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • 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, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 3 State Custodians home loan reviews

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  • Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier, LVR<70%)

    Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier, LVR<70%)

    • 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

    Go to site

    More info

    • 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
    • Ongoing fees: $0.00
    • Discharge fee: $295.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 70.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.5

    Based on 27 Beyond Bank home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    Bank Australia Basic Home Loan - (LVR<80%, Owner Occupier)

    Bank Australia Basic Home Loan - (LVR<80%, Owner Occupier)

    • Option to fix full loan or split between fixed and variable
    • Redraw available. Flexible repayments
    • Loan repayment pause available

    interest rate

    3.73% p.a. variable

    comparison rate*

    3.74% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Option to fix full loan or split between fixed and variable
    • Redraw available. Flexible repayments
    • Loan repayment pause available
    • Interest rate: 3.73% p.a. variable
    • Comparison rate*: 3.74% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • 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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  • MOZO EXPERTS CHOICE AWARDS 2016

    Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)

    Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)

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

    interest rate

    3.73% p.a. variable

    comparison rate*

    4.05% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Ability to make unlimited bulk repayments without penalty
    • Offers borrowers up to four free splits
    • Access extra features such as multiple offset accounts
    • Interest rate: 3.73% p.a. variable
    • Comparison rate*: 4.05% p.a.
    • Upfront fees: $0
    • Ongoing fees: $299.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - free
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.6

    Based on 8 Gateway Credit Union home loan reviews

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  • Australian Unity Kick Starter Home Loan (Owner Occupier)

    Australian Unity Kick Starter Home Loan (Owner Occupier)

    • 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

    Go to site

    More info

    • 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
    • Ongoing fees: $0.00
    • Discharge fee: $375.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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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

    3.79% p.a. variable

    comparison rate*

    3.86% p.a.

    Upfront fees

    $995

    Go to site

    More info

    • Great low rate
    • No on-going fees
    • Set and forget
    • Interest rate: 3.79% p.a. variable
    • Comparison rate*: 3.86% p.a.
    • 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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  • Hunter United Get A Better Home Loan (Owner Occupier)

    Hunter United Get A Better Home Loan (Owner Occupier)

    • $0 application fee & $0 valuation fee – for a limited time only.
    • 100% daily interest offset facility
    • Get a more personal experience with Customer Owned Banking

    interest rate

    3.79% p.a. variable

    comparison rate*

    3.89% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • $0 application fee & $0 valuation fee – for a limited time only.
    • 100% daily interest offset facility
    • Get a more personal experience with Customer Owned Banking
    • Interest rate: 3.79% p.a. variable
    • Comparison rate*: 3.89% p.a.
    • Upfront fees: $0
    • Ongoing fees: $8.00 monthly
    • Discharge fee: $80.00
    • Extra repayments: yes
    • Redraw facility: yes - 1st redraw per month free
    • 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 home loan reviews

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  • Victoria Teachers Mutual Bank Education Package Home Loan - (Refinance, LVR<80%, Owner Occupier)

    Victoria Teachers Mutual Bank Education Package Home Loan - (Refinance, LVR<80%, Owner Occupier)

    • Multiple offset accounts available and discounts on a range of products
    • No establishment fee
    • Loan splitting options (variable/fixed)

    interest rate

    3.79% p.a. variable

    comparison rate*

    4.10% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Multiple offset accounts available and discounts on a range of products
    • No establishment fee
    • Loan splitting options (variable/fixed)
    • Interest rate: 3.79% p.a. variable
    • Comparison rate*: 4.10% p.a.
    • Upfront fees: $0
    • Ongoing fees: $300.00 yearly
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount:
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 9 Victoria Teachers Mutual Bank home loan reviews

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

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

    • 100% offset
    • Free redraw
    • Options to fix

    interest rate

    3.79% p.a. variable

    comparison rate*

    4.10% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • 100% offset
    • Free redraw
    • Options to fix
    • Interest rate: 3.79% p.a. variable
    • Comparison rate*: 4.10% p.a.
    • 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
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    2.5

    Based on 21 Liberty home loan reviews

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

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

    • Interest rate applies to new lending only
    • $0 home loan application fee
    • 100% offset facility with the Offset Transaction Account

    interest rate

    3.85% p.a. variable

    comparison rate*

    4.26% p.a.

    Upfront fees

    $150

    Go to site

    More info

    • Interest rate applies to new lending only
    • $0 home loan application fee
    • 100% offset facility with the Offset Transaction Account
    • Interest rate: 3.85% p.a. variable
    • Comparison rate*: 4.26% p.a.
    • 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:
    • 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

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  • QT Mutual Bank Mortgage Saver (Owner Occupier)

    QT Mutual Bank Mortgage Saver (Owner Occupier)

    • Owner occupiers only. $0 Establishment Fee and no monthly fees
    • 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

    3.88% p.a. variable

    comparison rate*

    3.88% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Owner occupiers only. $0 Establishment Fee and no monthly fees
    • 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: 3.88% p.a. variable
    • Comparison rate*: 3.88% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $297.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • 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

    7.4

    Based on 12 QT Mutual Bank home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    CUA Fresh Start Basic Variable Home Loan (Owner Occupier)

    CUA Fresh Start Basic Variable Home Loan (Owner Occupier)

    • Low interest rate
    • No ongoing fees
    • Free redraw facility for easy access to additional payments

    interest rate

    3.89% p.a. variable

    comparison rate*

    3.94% p.a.

    Upfront fees

    $795

    Go to site

    More info

    • Low interest rate
    • No ongoing fees
    • Free redraw facility for easy access to additional payments
    • Interest rate: 3.89% p.a. variable
    • Comparison rate*: 3.94% p.a.
    • Upfront fees: $795
    • Ongoing fees: $0.00
    • Discharge fee: $200.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.8

    Based on 89 CUA home loan reviews

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  • Australian Unity Health, Wealth and Happiness Fixed Rate (Owner Occupier) (Package)

    Australian Unity Health, Wealth and Happiness Fixed Rate (Owner Occupier) (Package)

    • No annual fee on a credit card of your choice
    • 10% off Australian Unity Health Insurance
    • Owner occupied only

    interest rate

    3.95% p.a.
    fixed 3 years

    comparison rate*

    4.01% p.a.

    Upfront fees

    $600

    Go to site

    More info

    • No annual fee on a credit card of your choice
    • 10% off Australian Unity Health Insurance
    • Owner occupied only
    • Interest rate: 3.95% p.a.
      fixed 3 years
    • Comparison rate*: 4.01% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $375.00
    • Extra repayments: yes - free up to $10,000 p.a.
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $2,500,000
    • Type of loan: Fixed
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • Bank of Sydney Expect More Home Loan December Special (Investment) (Package)

    Bank of Sydney Expect More Home Loan December Special (Investment) (Package)

    • Syd, Mel, Adel Metro only
    • PAYG only , $0 monthly fees
    • $0 package fee, Offset a/c

    interest rate

    3.98% p.a. variable

    comparison rate*

    3.99% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Syd, Mel, Adel Metro only
    • PAYG only , $0 monthly fees
    • $0 package fee, Offset a/c
    • Interest rate: 3.98% p.a. variable
    • Comparison rate*: 3.99% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Investor
    • Repayment options: Monthly
    Overall rating

    9.0

    Based on 2 Bank of Sydney home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    AMP Essential Home Loan (Owner Occupier)

    AMP Essential Home Loan (Owner Occupier)

    • Experts Choice Winner - Home Loans 2016
    • Additional repayments anytime
    • Waived establishment & settlement fees

    interest rate

    3.98% p.a. variable

    comparison rate*

    4.00% p.a.

    Upfront fees

    $295

    Go to site

    More info

    • Experts Choice Winner - Home Loans 2016
    • Additional repayments anytime
    • Waived establishment & settlement fees
    • Interest rate: 3.98% p.a. variable
    • Comparison rate*: 4.00% p.a.
    • Upfront fees: $295
    • Ongoing fees: $0.00
    • Discharge fee: $100.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $40,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    6.3

    Based on 51 AMP home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    Australian Unity Health, Wealth and Happiness Variable Rate (Owner Occupier) (Package)

    Australian Unity Health, Wealth and Happiness Variable Rate (Owner Occupier) (Package)

    • 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

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    • 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
    • Ongoing fees: $0.00
    • Discharge fee: $375.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $2,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • Illawarra Credit Union Variable Home Loan (Owner Occupier)

    Illawarra Credit Union Variable Home Loan (Owner Occupier)

    • For new home loans over $250k only
    • No annual or ongoing fees
    • 100% Offset Account available with no transaction or account keeping fees

    interest rate

    4.05% p.a. variable

    comparison rate*

    4.09% p.a.

    Upfront fees

    $607

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    More info

    • For new home loans over $250k only
    • No annual or ongoing fees
    • 100% Offset Account available with no transaction or account keeping fees
    • Interest rate: 4.05% p.a. variable
    • Comparison rate*: 4.09% p.a.
    • Upfront fees: $607
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $250,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    6.0

    Based on 3 Illawarra Credit Union 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)

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility

    interest rate

    4.10% p.a. variable

    comparison rate*

    4.14% p.a.

    Upfront fees

    $600

    Go to site

    More info

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility
    • Interest rate: 4.10% p.a. variable
    • Comparison rate*: 4.14% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • 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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  • Australian Unity Wealth Builder (Investor Package)

    Australian Unity Wealth Builder (Investor Package)

    • No annual fee on a credit card of your choice
    • Free Transaction Account with a Visa Debit
    • 10% of Australian Unity Health Insurance

    interest rate

    4.19% p.a. variable

    comparison rate*

    4.22% p.a.

    Upfront fees

    $600

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    More info

    • No annual fee on a credit card of your choice
    • Free Transaction Account with a Visa Debit
    • 10% of Australian Unity Health Insurance
    • Interest rate: 4.19% p.a. variable
    • Comparison rate*: 4.22% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $375.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: Optional - $10 per month
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $2,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    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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