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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

  • 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

    3.52% p.a. variable

    comparison
    rate*

    3.54% p.a.

    upfront
    fees

    $520

    initial monthly
    repayment**

  • Major Bank Deal

    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**

  • 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**

  • Flexible Home Loan Member Package

    Owner Occupier, LVR<80%, Principal & Interest

    • 3.74% p.a. / 4.15% p.a. Comp Rate
    • Annual Fee of $395. Loan size $400k-$699k
    • Owner Occupied. LVR <80%

    interest
    rate

    3.74% p.a. variable

    comparison
    rate*

    4.15% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2017

    UHomeLoan - Discount Offer

    Owner Occupier, Principal & Interest

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required

    interest
    rate

    3.69% p.a. variable

    comparison
    rate*

    3.69% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • Advance Variable Home Loan

    Owner Occupier, Principal & Interest

    • Offset your interest to save
    • Free redraw facility for easy access to additional payments
    • No monthly or application fees

    interest
    rate

    3.65% p.a. variable

    comparison
    rate*

    3.66% p.a.

    upfront
    fees

    $395

    initial monthly
    repayment**

  • Advantage Home Loan 80

    Owner Occupier, Principal & Interest

    • 100% offset account
    • $0 Application Fee
    • Redraw available. Flexible repayments

    interest
    rate

    3.68% p.a. variable

    comparison
    rate*

    3.83% p.a.

    upfront
    fees

    $645

    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**

  • MOZO EXPERTS CHOICE 2017

    Discounted Variable Home Loan Premium Plus Package

    Owner Occupier, Principal & Interest

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time

    interest
    rate

    3.64% p.a. variable

    comparison
    rate*

    4.03% p.a.

    upfront
    fees

    $0

    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**

  • Basic Variable Rate Home Loan

    Owner Occupier

    • No annual or monthly fees
    • Flexible repayment options
    • Redraw facilities

    interest
    rate

    3.77% p.a. variable

    comparison
    rate*

    3.81% p.a.

    upfront
    fees

    $695

    initial monthly
    repayment**

  • 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**

  • Discount Great Rate Home Loan

    Owner Occupier, LVR<90%, over $150k

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

    interest
    rate

    3.74% p.a. variable

    comparison
    rate*

    3.74% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2017

    Mortgage Saver Special

    Owner Occupier, Principal & Interest

    • $0 Establishment fee
    • Free home & contents insurance for 1 year. T&Cs apply
    • Borrow up to 95% of the property value

    interest
    rate

    3.74% p.a. variable

    comparison
    rate*

    3.74% p.a.

    upfront
    fees

    $0

    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

    3.74% p.a. variable

    comparison
    rate*

    3.75% p.a.

    upfront
    fees

    $0

    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*

    3.79% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2017

    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

    3.84% p.a. variable

    comparison
    rate*

    4.22% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2017

    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**

  • MOZO EXPERTS CHOICE 2017

    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 524 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.

**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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