Home Loan Borrowing Calculator

Compare home loan rates and calculate your monthly repayments to find out how much you can afford to borrow with Mozo’s free home loan borrowing calculator.
years
  • Mortgage Simplifier

    LVR<80%, Owner Occupier, Principal & Interest

    • No monthly or annual fees
    • Free extra repayments
    • Free redraw facility

    interest
    rate

    2.49% p.a. variable

    comparison
    rate*

    2.52% p.a.

    initial monthly
    repayment**

  • $2,000 Refinance Cash Bonus (T&Cs apply)

    Fixed Home Loan Special Offer Home Package Plus

    Owner Occupier, Principal & Interest

    • No monthly account keeping fee.
    • No loan establishment fee.
    • Option to lock in a rate at the time of the application.

    interest
    rate

    2.29% p.a.
    fixed 2 years

    comparison
    rate*

    3.28% p.a.

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2020

    Fixed Rate Home Loan

    Owner Occupier, Principal & Interest, LVR <80%

    • No monthly fees
    • Free extra repayments up to $10K p.a.
    • Dedicated relationship manager

    interest
    rate

    2.09% p.a.
    fixed 2 years

    comparison
    rate*

    2.98% p.a.

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2020

    Smart Home Loan 80

    Owner Occupier, Principal & Interest

    • For purchase and refinance, min 20% deposit
    • No ongoing fees
    • Unlimited redraws and additional repayments

    interest
    rate

    2.48% p.a. variable

    comparison
    rate*

    2.50% p.a.

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2020

    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. Minimum loan amount $700k

    interest
    rate

    2.49% p.a. variable

    comparison
    rate*

    2.49% p.a.

    initial monthly
    repayment**

  • Special rate applies to home loan applications submitted by 30th November 2020

    Variable Home Loan Special

    Owner Occupier, Principal & Interest, LVR <70%

    • Competitive winter special variable rate from 2.39% (2.42% comparison rate)
    • Unlimited, free extra repayments and free redraw facility
    • Optional 100% offset account

    interest
    rate

    2.19% p.a. variable

    comparison
    rate*

    2.22% p.a.

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2020

    Celebrate Variable Home Loan

    <60% LVR, Owner Occupier, Principal & Interest

    • No application fees
    • No monthly fees
    • No annual fees

    interest
    rate

    2.39% p.a. variableApply now to get this rate from 30 Sep

    comparison
    rate*

    2.39% p.a.Apply now to get this rate from 30 Sep

    initial monthly
    repayment**

  • Low Rate Home Loan

    Owner Occupier, Principal & Interest, 60-80% LVR

    interest
    rate

    2.54% p.a. variable

    comparison
    rate*

    2.55% p.a.

    initial monthly
    repayment**

  • Budget Home Loan

    LVR <80%, Owner Occupier, Principal & Interest

    • Free extra repayments
    • Free redraw facility
    • Split account available

    interest
    rate

    2.61% p.a. variable

    comparison
    rate*

    2.67% p.a.

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2020

    Fixed Rate Home Loan

    Owner Occupier, Principal & Interest, LVR<80%

    • $0 annual fee
    • Choice of 1, 2, 3, 4 or 5 year terms
    • Extra repayments up to $10,000 a year

    interest
    rate

    2.29% p.a.
    fixed 3 years

    comparison
    rate*

    2.82% p.a.

    initial monthly
    repayment**

  • Special Fixed Rate Home Loan Premium Plus Package

    Owner Occupier, Principal & Interest

    • 100% Offset account available
    • $0 annual Value+ Credit Card Fee
    • $2,000 cashback for new refinanced loans^

    interest
    rate

    2.18% p.a.
    fixed 2 years

    comparison
    rate*

    3.72% p.a.

    initial monthly
    repayment**

  • $2,000 Refinance Cash Bonus (T&Cs apply)

    Back to Basics Special

    LVR<80%, Owner Occupier, Principal & Interest

    • No monthly account keeping fee.
    • $0 ongoing annual fee.
    • Make additional repayments anytime.

    interest
    rate

    2.68% p.a. variable

    comparison
    rate*

    2.69% p.a.

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2020

    UHomeLoan Fixed

    Owner Occupier, Principal & Interest

    • Fast, easy apply
    • No ongoing fees
    • Repayments will not change during fixed period

    interest
    rate

    2.14% p.a.
    fixed 3 years

    comparison
    rate*

    2.41% p.a.

    initial monthly
    repayment**

  • Fixed Home Loan

    Owner Occupier, Principal & Interest

    • Choose from a fixed loan term of 1-5 years
    • Fixed loan repayments for peace of mind and easy budgeting
    • Up to 12 months repayments in advance without penalties

    interest
    rate

    2.39% p.a.
    fixed 3 years

    comparison
    rate*

    3.08% p.a.

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2020

    Orange Advantage Package

    LVR<80%, Owner Occupier, Principal & Interest

    • With a variable rate this low, you could call it mates rates
    • 100% offset facility
    • Request pre-approval today

    interest
    rate

    2.54% p.a. variable

    comparison
    rate*

    2.89% p.a.

    initial monthly
    repayment**

  • Smart Booster 1 Year Discount Variable Home Loan

    Owner Occupier, Principal & Interest, <80% LVR

    interest
    rate

    1.99% p.a.variable for 12 months and then 2.48% p.a. variable

    comparison
    rate*

    2.47% p.a.

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2020

    Star Essentials Home Loan

    Owner Occupier, Principal & Interest

    • No annual or monthly fees
    • Unlimited extra repayments & Free online redraw
    • Upfront fees waived – limited time offer

    interest
    rate

    2.29% p.a. variable

    comparison
    rate*

    2.32% p.a.

    initial monthly
    repayment**

  • Special Real Deal Home Loan

    Owner Occupier, Principal & Interest

    • Free extra repayments.
    • No application or service fees.
    • Only 10% deposit needed.

    interest
    rate

    2.59% p.a. variable

    comparison
    rate*

    2.63% p.a.

    initial monthly
    repayment**

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

**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.

Want more? Compare all 546 home loans in the Mozo comparison engine.

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Red hot rates from:

2.64 % p.a.
variable rate

2.68
% p.a.
comparison rate*

*Terms and conditions
  • Up to 80% LVR for owner occupiers
  • No ongoing fees
  • Purchase or refinance, maximum loan $1,500,000

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