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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

    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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  • ING DIRECT Orange Advantage (LVR<80%, Owner Occupier)

    ING DIRECT Orange Advantage (LVR<80%, Owner Occupier)

    • 100% offset facility
    • No application or monthly fees
    • Annual fee waived for the first year

    interest rate

    3.67% p.a. variable

    comparison rate*

    3.89% p.a.

    Upfront fees

    $299

    Go to site

    More info

    • 100% offset facility
    • No application or monthly fees
    • Annual fee waived for the first year
    • Interest rate: 3.67% p.a. variable
    • Comparison rate*: 3.89% p.a.
    • Upfront fees: $299
    • Ongoing fees: $199.00 yearly
    • Discharge fee: $250.00
    • 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: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Fortnightly, Monthly
    Overall rating

    8.1

    Based on 185 ING DIRECT 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 rewards credit card
    • $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 rewards credit card
    • $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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  • 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
    • Effective rate as at 22 August 2016

    interest rate

    3.73% p.a. variable

    comparison rate*

    3.75% p.a.

    Upfront fees

    $253

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Effective rate as at 22 August 2016
    • Interest rate: 3.73% p.a. variable
    • Comparison rate*: 3.75% 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 (LVR<80%, Owner Occupier)

    State Custodians Standard Variable (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

    $275

    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: $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: $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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  • Hunter United Get A Better Home Loan (Owner Occupier)

    Hunter United Get A Better Home Loan (Owner Occupier)

    • $0 application fee when refinancing from another lender
    • 10% deposit (90% LVR)
    • 100% daily interest offset facility

    interest rate

    3.79% p.a.from 1 Sep variable

    comparison rate*

    3.91% p.a.from 1 Sep

    Upfront fees

    $350

    Go to site

    More info

    • $0 application fee when refinancing from another lender
    • 10% deposit (90% LVR)
    • 100% daily interest offset facility
    • Interest rate: 3.79% p.a.from 1 Sep variable
    • Comparison rate*: 3.91% p.a.from 1 Sep
    • 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 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

    3.83% p.a. variable

    comparison rate*

    3.83% 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: 3.83% p.a. variable
    • Comparison rate*: 3.83% 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)

    • No monthly fees
    • Redraw available
    • Option to fix full loan or split between fixed and variable

    interest rate

    3.85% p.a. variable

    comparison rate*

    3.86% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • No monthly fees
    • Redraw available
    • Option to fix full loan or split between fixed and variable
    • Interest rate: 3.85% p.a. variable
    • Comparison rate*: 3.86% p.a.
    • Upfront fees: $0
    • 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: 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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  • State Custodians Breathe Easy (LVR<80%, Owner Occupier)

    State Custodians Breathe Easy (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

    $275

    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: $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: $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

    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: 80.00%
    • 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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  • Bankwest Complete Variable Home Loan (LVR<90%, Owner Occupier) (Package)

    Bankwest Complete Variable Home Loan (LVR<90%, 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

    interest rate

    3.92% p.a. variable

    comparison rate*

    4.33% p.a.

    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
    • Interest rate: 3.92% p.a. variable
    • Comparison rate*: 4.33% 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: 90.00%
    • 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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  • 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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  • 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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* 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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