Compare & Save on

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

  • 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

    4.17% p.a. variable

    comparison rate*

    4.22% 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: 4.17% p.a. variable
    • Comparison rate*: 4.22% 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

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    ME Flexible Home Loan (Fixed, Owner Occupier, LVR<80%)

    ME Flexible Home Loan (Fixed, Owner Occupier, LVR<80%)

    • Option to split your loan into fixed and variable
    • Offset available & no fees to redraw
    • Meet a mobile banker at a time or place that suits you

    interest rate

    4.19% p.a.
    fixed 3 years

    comparison rate*

    4.82% p.a.

    Upfront fees

    $400

    Go to site

    More info

    • Option to split your loan into fixed and variable
    • Offset available & no fees to redraw
    • Meet a mobile banker at a time or place that suits you
    • Interest rate: 4.19% p.a.
      fixed 3 years
    • Comparison rate*: 4.82% p.a.
    • Upfront fees: $400
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free up to $30,000 during fixed rate period
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $40,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.6

    Based on 231 ME home loan reviews

    Need more information?
    Go to site

    More info

  • 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

    3.99% p.a. variable

    comparison rate*

    4.04% 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: 3.99% p.a. variable
    • Comparison rate*: 4.04% 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

    Need more information?
    Go to site

    More info

  • 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

    3.74% p.a. variable

    comparison rate*

    3.74% 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: 3.74% p.a. variable
    • Comparison rate*: 3.74% 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

    Need more information?
    Go to site

    More info

  • 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 three free splits
    • Access extra features such as multiple offset accounts

    interest rate

    3.85% p.a. variable

    comparison rate*

    4.16% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Ability to make unlimited bulk repayments without penalty
    • Offers borrowers up to three free splits
    • Access extra features such as multiple offset accounts
    • Interest rate: 3.85% p.a. variable
    • Comparison rate*: 4.16% 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:
    • 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

    Need more information?
    Go to site

    More info

  • 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

    3.86% p.a. variable

    comparison rate*

    3.90% p.a.

    Upfront fees

    $595

    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: 3.86% p.a. variable
    • Comparison rate*: 3.90% p.a.
    • Upfront fees: $595
    • 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

    Need more information?
    Go to site

    More info

  • Hunter United A Breath of Fresh Air Home Loan (Owner Occupied, LVR<90%)

    Hunter United A Breath of Fresh Air Home Loan (Owner Occupied, LVR<90%)

    • $0 application & $0 valuation fees for loans over $300k. Limited time offer
    • 100% offset facility & 1 free redraw per month
    • Get a more personal banking experience

    interest rate

    3.87% p.a. variable

    comparison rate*

    3.97% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • $0 application & $0 valuation fees for loans over $300k. Limited time offer
    • 100% offset facility & 1 free redraw per month
    • Get a more personal banking experience
    • Interest rate: 3.87% p.a. variable
    • Comparison rate*: 3.97% 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

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Greater Bank Discount Great Rate Home Loan (Owner Occupier, LVR<85%, over $150k)

    Greater Bank Discount Great Rate Home Loan (Owner Occupier, LVR<85%, over $150k)

    • Experts Choice Winner 2016
    • No ongoing fee. No establishment fee. Free internet redraw facility
    • NSW, QLD, ACT customers only

    interest rate

    3.89% p.a. variable

    comparison rate*

    3.89% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Experts Choice Winner 2016
    • No ongoing fee. No establishment fee. Free internet redraw facility
    • NSW, QLD, ACT customers only
    • Interest rate: 3.89% p.a. variable
    • Comparison rate*: 3.89% p.a.
    • 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: 85.00%
    • 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?
    Go to site

    More info

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

    Bankwest Complete Variable Home Loan (LVR<80%, 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*

    4.35% p.a.

    Upfront fees

    $250

    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*: 4.35% p.a.
    • Upfront fees: $250
    • 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

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    • Experts Choice - Home Lender of the Year 2016
    • $0 application fee. 100% offset facility available
    • Additional repayments and redraws at any time

    interest rate

    3.94% p.a. variable

    comparison rate*

    4.32% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Experts Choice - Home Lender of the Year 2016
    • $0 application fee. 100% offset facility available
    • Additional repayments and redraws at any time
    • Interest rate: 3.94% p.a. variable
    • Comparison rate*: 4.32% p.a.
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee:
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 95.00%
    • 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

    8.5

    Based on 80 Newcastle Permanent home loan reviews

    Need more information?
    Go to site

    More info

  • 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)

    • Up to three free splits, keep a portion of your home loan fixed and a portion variable
    • 100% offset facility to reduce the amount of interest you pay on your loan
    • Redraw available with the flexibility to access funds when needed

    interest rate

    3.95% p.a. variable

    comparison rate*

    4.26% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Up to three free splits, keep a portion of your home loan fixed and a portion variable
    • 100% offset facility to reduce the amount of interest you pay on your loan
    • Redraw available with the flexibility to access funds when needed
    • Interest rate: 3.95% p.a. variable
    • Comparison rate*: 4.26% 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: 95.00%
    • 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

    8.6

    Based on 8 Gateway Credit Union home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    AMP Essential Home Loan (Owner Occupier, Principal & Interest)

    AMP Essential Home Loan (Owner Occupier, Principal & Interest)

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

    interest rate

    3.96% p.a. variable

    comparison rate*

    3.98% 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: 3.96% p.a. variable
    • Comparison rate*: 3.98% 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: $100,000
    • Maximum loan amount:
    • 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

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    ME Flexible Home Loan (Fixed, Owner Occupier, LVR<80%)

    ME Flexible Home Loan (Fixed, Owner Occupier, LVR<80%)

    • Option to split your loan into fixed and variable
    • Offset available & no fees to redraw
    • Meet a mobile banker at a time or place that suits you

    interest rate

    4.09% p.a.
    fixed 2 years

    comparison rate*

    4.88% p.a.

    Upfront fees

    $400

    Go to site

    More info

    • Option to split your loan into fixed and variable
    • Offset available & no fees to redraw
    • Meet a mobile banker at a time or place that suits you
    • Interest rate: 4.09% p.a.
      fixed 2 years
    • Comparison rate*: 4.88% p.a.
    • Upfront fees: $400
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free up to $30,000 during fixed rate period
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $40,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.6

    Based on 231 ME home loan reviews

    Need more information?
    Go to site

    More info

Want more? Compare all 507 home loans in the Mozo comparison engine.

Compare all home loans

Look for a specific type of home loan:

* 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.

Switch & Save Calculator

Compare savings from over 100 home loans. How much could you save by switching your home loan? Find out in a few clicks.

Get started

Advertisement

Home loan resources