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Experts choice awards hero 2019

Experts Choice Awards 2019

Which products offer the best value according to Mozo's money experts? Check out the winning home loans, credit cards, personal loans and more.

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peoples choice award

People's Choice Award 2019

Mozo presents the People’s Choice Awards, based on real customer reviews.

Check out the winners

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Thumbs up or thumbs down? Share your opinions with the Mozo community. What do you want to review?

Recent reviews that stand out from the crowd

Homestar

Homestar Variable Rate Loan (LVR<70%, Owner Occupier, Principal & Interest) Variable Rate Loan review

Overall rating   8 / 10

Competitive rates and responsive customer service

Here are the pros for Homestar. They have one of the most competitive interest rates going around and have been passing on the full RBA cut, usually announced on the same day, which is very impressive. Their friendly, helpful, and responsive loan...

Full review

Here are the pros for Homestar. They have one of the most competitive interest rates going around and have been passing on the full RBA cut, usually announced on the same day, which is very impressive. Their friendly, helpful, and responsive loan manager assisted us through the sign up process with no issues. Call centre staff were polite and helpful when I called up after settlement for assistance Here are the cons for Homestar. Their website is very basic, lacks essential features such as updating your contact details which you need to call up to do. It made it difficult chasing up a missing letter which went to an incorrect address. The website is also slow when clicking buttons, there often is a considerable wait before the next page shows up. Their is no mobile app available which really should be a given I would recommend Homestar to friends and family as the rates are competitive and they are aggressive in maintaining their low rates by passing on all the RBA rate cuts in full which is impressive, no fluffing around. I do find the website extremely frustrating as it is slow and lacks basic features. Even though they provide you with a debit card, I would not consider using Homestar as my day to day banking with the website in its current state.

    Price   10 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   6 / 10

    Trust   8 / 10

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Basil, New South Wales, reviewed 3 days ago

ING

ING Bank Account review

Overall rating   10 / 10

Fantastic service

ING just makes my financial life easy. It works, simply and efficiently. I literally can just go about my day without worrying about my bank.

Full review

ING just makes my financial life easy. It works, simply and efficiently. I literally can just go about my day without worrying about my bank.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Sandra, Victoria, reviewed 8 months ago

Apia

Apia Contents Extra Insurance Contents Insurance review

Overall rating   10 / 10

Very understanding, even on the phone

When I made a claim there was no problem what so ever and the staff on the line were very friendly. Until recently they were available 24 hours, but now it's working hours only. I don't mind this. I also have never had any problems when asking...

Full review

When I made a claim there was no problem what so ever and the staff on the line were very friendly. Until recently they were available 24 hours, but now it's working hours only. I don't mind this. I also have never had any problems when asking them to defer my payments to next week if that happens to be the week I get my pension. Everything is a breeze with them.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Peter, South Australia, reviewed 8 months ago

Westpac

Westpac Personal Loan (Fixed, Unsecured) Personal Loan review

Overall rating   10 / 10

An exceptional bank too deal with

I have had two personal loans with Westpac and am extremely satisfied with the product and service given. On the odd occasion that I have needed a short extension on the due payment date this bank has been very understanding and happy too oblige...

Full review

I have had two personal loans with Westpac and am extremely satisfied with the product and service given. On the odd occasion that I have needed a short extension on the due payment date this bank has been very understanding and happy too oblige to my request within a reasonable timeframe. I would strongly recommend this bank to anyone who is in a financial position to obtain a loan. The staff are courteous and professional, a pleasure to deal with.

    Price   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Richard, Victoria, reviewed 8 months ago

ME

ME Term Deposit review

Overall rating   10 / 10

Great customer service and competitive rates.

I like this bank because it offers great rates for a small investment. Setting up the term deposit was very straight forward and easy to organise, and if you need to make any alterations a simple phone call will suffice. I found the process easy...

Full review

I like this bank because it offers great rates for a small investment. Setting up the term deposit was very straight forward and easy to organise, and if you need to make any alterations a simple phone call will suffice. I found the process easy and simple to complete.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Jill, New South Wales, reviewed 8 months ago

Apia

Apia Car Insurance review

Overall rating   9 / 10

Competitive and thorough.

I have been with Apia insurance for the past 7 years. Their service is absolutely amazing. If you have an accident they process your claim immediately. They even provide a hire car. While my car was being repaired, l used the hire car for 1 month...

Full review

I have been with Apia insurance for the past 7 years. Their service is absolutely amazing. If you have an accident they process your claim immediately. They even provide a hire car. While my car was being repaired, l used the hire car for 1 month with no extra charge. Try and beat that.

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Roslyn, Victoria, reviewed 8 months ago

Alinta Energy

Alinta Energy Gas review

Overall rating   10 / 10

Great online & great customer service

With all the new energy companies, Alinta is the best because of all the bonuses & discounts they provide.

Full review

With all the new energy companies, Alinta is the best because of all the bonuses & discounts they provide.

    Price   10 / 10

    Customer service   10 / 10

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Kim, Western Australia, reviewed 8 months ago

ANZ

ANZ Progress Saver Progress Saver review

Overall rating   9 / 10

Very easy

ANZ is a very good bank that meets all my needs. This includes easy access, good customer service, nice and helpful staff and very trustworthy. I would definitely recommend ANZ to family and friends.

Full review

ANZ is a very good bank that meets all my needs. This includes easy access, good customer service, nice and helpful staff and very trustworthy. I would definitely recommend ANZ to family and friends.

    Price   10 / 10

    Features   10 / 10

    Customer service   7 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Bianca, Queensland, reviewed 8 months ago

AGL

AGL Electricity review

Overall rating   7 / 10

Competitive premiums

I have had a few issues but they have been rectified within a reasonable time frame. They do not inform you about discounts even though you have been a long time customer so you have to be on high alert and ring them to get a good deal.

Full review

I have had a few issues but they have been rectified within a reasonable time frame. They do not inform you about discounts even though you have been a long time customer so you have to be on high alert and ring them to get a good deal.

    Price   7 / 10

    Customer service   8 / 10

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Jane, Queensland, reviewed 8 months ago

Easy Travel Insurance

Easy Travel Insurance Travel Insurance review

Overall rating   9 / 10

Great service

It was easy to get for both times I traveled overseas and the process was very quick.

Full review

It was easy to get for both times I traveled overseas and the process was very quick.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Trust   10 / 10

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Anthony, New South Wales, reviewed 8 months ago

Westpac

Westpac Low Rate Low Rate review

Overall rating   8 / 10

Great customer service

Always great customer service. Being with Westpac for over 20 years, I feel a strong sense of trust and familiarity. However I dislike the fact that I’ve in no way been rewarded for being a long term customer.

Full review

Always great customer service. Being with Westpac for over 20 years, I feel a strong sense of trust and familiarity. However I dislike the fact that I’ve in no way been rewarded for being a long term customer.

    Price   5 / 10

    Features   1 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Chere, Western Australia, reviewed 8 months ago

Bank of Queensland

Bank of Queensland Day2Day Plus Account Day2Day Plus Account review

Overall rating   10 / 10

Awesome bank!

I have to say, I worked previously for a major telco, in a variety of roles but I relate to HR and Senior Training & Development Manager. I would without blinking an eye employ any of FOH or BOH Customer Service Agents. The level of actual care...

Full review

I have to say, I worked previously for a major telco, in a variety of roles but I relate to HR and Senior Training & Development Manager. I would without blinking an eye employ any of FOH or BOH Customer Service Agents. The level of actual care they have when you're either at the counter or on the phone goes beyond what I have had the pleasure of spending time with. They can also quickly assess the situation and think outside the business rules box. They seem to genuinely care and always have time for a small conversation that is not work related whilst multi tasking at the same time. Every time I do business with them, I always walk out smiling. I enjoy going to this bank.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Shar, Western Australia, reviewed about 3 years ago

People's Choice Credit Union

People's Choice Credit Union Secured Personal Loan review

Overall rating   7 / 10

Best value loans in Adelaide!

Set up a secured car loan with People's Choice as they had the most competitive price. Excellent customer service in store and had my account set up in no time, they also went out of their way to chase up some extra financial loose ends. Very...

Full review

Set up a secured car loan with People's Choice as they had the most competitive price. Excellent customer service in store and had my account set up in no time, they also went out of their way to chase up some extra financial loose ends. Very thorough service.

    Price   7 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Luke, South Australia, reviewed about 4 years ago

OnePath

OnePath Life Insurance review

Overall rating   6 / 10

Great features, services and product

Very thorough and well catered for superannuation fund in terms of the services offered. A great feature offered by OnePath is multiple contributions where there is a range of parties that can contribute to the fun, by either BPay or internet...

Full review

Very thorough and well catered for superannuation fund in terms of the services offered. A great feature offered by OnePath is multiple contributions where there is a range of parties that can contribute to the fun, by either BPay or internet banking. Parties that can contribute to your OnePath fund can either be yourself in which one can contribute voluntarily, spouse or self employment, each, with its own referenced numbers. In addition, the employer can contribute to your fund with superannuation guarantee, salary sacrifices and employer additional contributions. The range of sub categories of OnePath superannuation fund provides these great features and much more.

    Price   6 / 10

    Trust   5 / 10

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Vivian, New South Wales, reviewed over 5 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

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About Mozo Reviews

Mozo gives you the inside story on the best banking, energy and insurance products as rated by thousands of real customers around Australia.

We don't make subjective judgments, nor do advertisers influence our ratings.

Although our reviews may be moderated to improve quality standards, they are moderated independently of any of Mozo’s commercial relationships.

 
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