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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.

Popular home loan comparisons on Mozo Rates updated daily

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

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

    • Experts Choice Winner - Home Lender of the Year
    • Split loan facility
    • Available for purchase and refinance

    variable rate

    3.63%

    comparison rate*

    4.03%

    Upfront fees

    $520

    Go to site

    More info

    • Experts Choice Winner - Home Lender of the Year
    • Split loan facility
    • Available for purchase and refinance
    • Variable rate: 3.63%
    • 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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  • Mortgage House Advantage Discounted Variable Home Loan 70 (Owner Occupier)

    Mortgage House Advantage Discounted Variable Home Loan 70 (Owner Occupier)

    • We will pay your switching cost
    • No monthly or annual fees
    • Low interest rate

    variable rate

    3.69% variable for 6 months and then 4.19%

    comparison rate*

    4.19%

    Upfront fees

    $200

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    More info

    • We will pay your switching cost
    • No monthly or annual fees
    • Low interest rate
    • Variable rate: 3.69% variable for 6 months and then 4.19%
    • Comparison rate*: 4.19%
    • Upfront fees: $200
    • Ongoing fees: $0.00
    • Discharge fee: $450.00
    • 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

    7.0

    Based on 5 Mortgage House 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

    variable rate

    3.98%

    comparison rate*

    4.02%

    Upfront fees

    $595

    Go to site

    More info

    • No monthly fees
    • Redraw available
    • 3.98% p.a. variable rate
    • Variable rate: 3.98%
    • 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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  • UBank UHomeLoan - Value Offer (Owner Occupier, Principal & Interest)

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

    • Experts Choice Winner - Best Value Variable Home Loan
    • No monthly fees
    • 20% Minimum deposit required

    variable rate

    3.99%

    comparison rate*

    3.99%

    Upfront fees

    $0

    Go to site

    More info

    • Experts Choice Winner - Best Value Variable Home Loan
    • No monthly fees
    • 20% Minimum deposit required
    • Variable rate: 3.99%
    • Comparison rate*: 3.99%
    • 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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  • 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

    variable rate

    4.22%

    comparison rate*

    4.62%

    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
    • Variable rate: 4.22%
    • Comparison rate*: 4.62%
    • 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

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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

    variable rate

    4.45%

    comparison rate*

    4.45%

    Upfront fees

    $0

    Go to site

    More info

    • $0 upfront fees
    • No annual or monthly fees
    • Free extra repayments and redraw facility
    • Variable rate: 4.45%
    • Comparison rate*: 4.45%
    • 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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  • Other home loans

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

    Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier, Principal & Interest) (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

    variable rate

    3.98%

    comparison rate*

    4.28%

    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
    • Variable rate: 3.98%
    • Comparison rate*: 4.28%
    • 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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  • State Custodians Standard Variable (LVR<80%, Owner Occupier)

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

    • Special Discounted Rate For Owner Occupiers
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account

    variable rate

    3.99%

    comparison rate*

    4.32%

    Upfront fees

    $275

    Go to site

    More info

    • Special Discounted Rate For Owner Occupiers
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account
    • Variable rate: 3.99%
    • Comparison rate*: 4.32%
    • Upfront fees: $275
    • 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: $1,500,000
    • 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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  • Greater Bank Great Rate Home Loan (Owner Occupier, LVR<80%, over $150k)

    Greater Bank Great Rate Home Loan (Owner Occupier, LVR<80%, over $150k)

    • No establishment fee
    • No ongoing fee
    • Free internet redraw facility

    variable rate

    4.09%

    comparison rate*

    4.09%

    Upfront fees

    $0

    Go to site

    More info

    • No establishment fee
    • No ongoing fee
    • Free internet redraw facility
    • Variable rate: 4.09%
    • Comparison rate*: 4.09%
    • 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: 80.00%
    • 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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  • 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

    variable rate

    4.09%

    comparison rate*

    4.12%

    Upfront fees

    $600

    Go to site

    More info

    • No annual fee on a credit card of your choice
    • 100% offset facility
    • Owner occupied only
    • Variable rate: 4.09%
    • Comparison rate*: 4.12%
    • 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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  • 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

    variable rate

    4.10%

    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
    • Variable rate: 4.10%
    • 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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  • State Custodians Breathe Easy (LVR<80%, Owner Occupier)

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

    • $0 Annual Fee
    • Special Discounted Rate For Owner Occupiers
    • Free 100% Offset Account

    variable rate

    4.12%

    comparison rate*

    4.15%

    Upfront fees

    $275

    Go to site

    More info

    • $0 Annual Fee
    • Special Discounted Rate For Owner Occupiers
    • Free 100% Offset Account
    • Variable rate: 4.12%
    • Comparison rate*: 4.15%
    • Upfront fees: $275
    • 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: $1,500,000
    • 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

    Need more information?
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  • iMortgage Elite 80 (Principal & Interest, Owner Occupier)

    iMortgage Elite 80 (Principal & Interest, Owner Occupier)

    • $0 application, legal and valuation fees
    • 100% Offset available on variable rate loans ($198 pa fee applies)
    • Low rate for the life of the loan

    variable rate

    4.14%

    comparison rate*

    4.15%

    Upfront fees

    $0

    Go to site

    More info

    • $0 application, legal and valuation fees
    • 100% Offset available on variable rate loans ($198 pa fee applies)
    • Low rate for the life of the loan
    • Variable rate: 4.14%
    • Comparison rate*: 4.15%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $400.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: Optional - $198 annual fee
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Fortnightly, Monthly
    Overall rating

    4.8

    Based on 4 iMortgage 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

    variable rate

    4.20%

    comparison rate*

    4.32%

    Upfront fees

    $350

    Go to site

    More info

    • 100% interest offset facility
    • Low deposit - from 10% of purchase price (Owner Occupier)
    • No annual fee
    • Variable rate: 4.20%
    • Comparison rate*: 4.32%
    • 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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  • 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

    variable rate

    4.24%

    comparison rate*

    4.31%

    Upfront fees

    $995

    Go to site

    More info

    • Great low rate
    • No on-going fees
    • Set and forget
    • Variable rate: 4.24%
    • 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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  • Greater Bank Discount Ultimate Home Loan (LVR<80%, over $150K, Owner Occupier) (Package)

    Greater Bank Discount Ultimate Home Loan (LVR<80%, over $150K, Owner Occupier) (Package)

    • No establishment fee
    • 100% offset account
    • Free internet redraw facility

    variable rate

    4.24%

    comparison rate*

    4.61%

    Upfront fees

    $0

    Go to site

    More info

    • No establishment fee
    • 100% offset account
    • Free internet redraw facility
    • Variable rate: 4.24%
    • Comparison rate*: 4.61%
    • 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: 80.00%
    • 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

    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

    variable rate

    4.35%

    comparison rate*

    4.39%

    Upfront fees

    $600

    Go to site

    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
    • Variable rate: 4.35%
    • Comparison rate*: 4.39%
    • Upfront fees: $600
    • 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

    Need more information?
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  • Liberty Free Variable Home Loan (LVR<70%, Owner Occupier)

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

    • Low deposit
    • Non-genuine savings
    • No upfront or ongoing fees

    variable rate

    4.49%

    comparison rate*

    4.50%

    Upfront fees

    $0

    Go to site

    More info

    • Low deposit
    • Non-genuine savings
    • No upfront or ongoing fees
    • Variable rate: 4.49%
    • Comparison rate*: 4.50%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • 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: $1,000,000
    • 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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  • act. Residential Variable Home Loan

    act. Residential Variable Home Loan

    • Ethical banking. Every month, donate a portion of our profit to a social project of your choice
    • Negotiable rates
    • Free online redraw facility on all loan types

    variable rate

    4.78%

    comparison rate*

    4.96%

    Upfront fees

    $750

    Go to site

    More info

    • Ethical banking. Every month, donate a portion of our profit to a social project of your choice
    • Negotiable rates
    • Free online redraw facility on all loan types
    • Variable rate: 4.78%
    • Comparison rate*: 4.96%
    • Upfront fees: $750
    • Ongoing fees: $10.00 monthly
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - partial only (full offset available for $5 per month)
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $500,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    2.3

    Based on 3 act. 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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