Looking to calculate home loan repayments or see how much you could save by switching to a cheaper loan? Mozo's free calculator helps you instantly compare top home loan rates and monthly repayments.
Owner Occupier, Principal and Interest
Read reviews and learn more about home loans
Owner Occupier, Principal & Interest, LVR 80%
A great value 3 year fixed home loan rate with SWSbank for new loans over $800K and up to $2.5M. No application or monthly fees to pay. Free redraw available. Choose from a weekly, fortnightly or monthly repayment schedule. Additional repayments up to $20,000 per year. 20% deposit required. No application fees. Other fees may be applicable. T&Cs apply.
A great value 3 year fixed home loan rate with SWSbank for new loans over $800K and up to $2.5M. No application or monthly fees to pay. Free redraw available. Choose from a weekly, fortnightly or monthly repayment schedule. Additional repayments up to $20,000 per year. 20% deposit required. No application fees. Other fees may be applicable. T&Cs apply.
Read reviews and learn more about home loans
LVR <80%, Owner Occupier, Principal & Interest
IMB has confirmed they will decrease rates by 0.25% p.a. effective 4 March 2025. Enjoy a discounted variable home loan from IMB. Get up to $4,000 cashback (T&Cs apply). Life-of-loan discount off IMB’s standard variable interest rate. Unrestricted additional repayments. Free Internet and Mobile Banking redraws (T&Cs apply). No monthly fees to pay. Up to a 30 year loan term. Split loan available. No offset account.
IMB has confirmed they will decrease rates by 0.25% p.a. effective 4 March 2025. Enjoy a discounted variable home loan from IMB. Get up to $4,000 cashback (T&Cs apply). Life-of-loan discount off IMB’s standard variable interest rate. Unrestricted additional repayments. Free Internet and Mobile Banking redraws (T&Cs apply). No monthly fees to pay. Up to a 30 year loan term. Split loan available. No offset account.
Read reviews and learn more about home loans
Owner Occupier, Interest Only, LVR <60%
Read reviews and learn more about home loans
Owner Occupier, Principal & Interest, <60% LVR
BCU Bank’s OMG owner occupied home loan offers a variety of great low rates depending on your deposit. Save with no ongoing annual fees. Access your extra payments when you need to through the redraw facility. Pre-approval valid for 3 months.
BCU Bank’s OMG owner occupied home loan offers a variety of great low rates depending on your deposit. Save with no ongoing annual fees. Access your extra payments when you need to through the redraw facility. Pre-approval valid for 3 months.
Read reviews and learn more about home loans
Owner Occupier, LVR <60%
P&N has confirmed they will decrease rates by 0.25% p.a. effective 5 March 2025. Competitive interest rate. No ongoing monthly loan maintenance fees. You can redraw your repayments if you’re ahead. Choose to repay weekly, fortnightly, or monthly. Make extra payments without penalty, to pay off your home loan even faster.
P&N has confirmed they will decrease rates by 0.25% p.a. effective 5 March 2025. Competitive interest rate. No ongoing monthly loan maintenance fees. You can redraw your repayments if you’re ahead. Choose to repay weekly, fortnightly, or monthly. Make extra payments without penalty, to pay off your home loan even faster.
Read reviews and learn more about home loans
Owner Occupier, Principal & Interest, LVR <95%
Get the security of a competitive fixed rate home loan for 2 years with IMB. Get up to $4,000 cashback (T&Cs apply). Up to 12 months repayments in advance without penalties. Free Internet and Mobile Banking redraws (T&Cs apply). Up to a 30 year loan term. Split loan available. No offset account.
Get the security of a competitive fixed rate home loan for 2 years with IMB. Get up to $4,000 cashback (T&Cs apply). Up to 12 months repayments in advance without penalties. Free Internet and Mobile Banking redraws (T&Cs apply). Up to a 30 year loan term. Split loan available. No offset account.
Read reviews and learn more about home loans
Owner Occupier, Principal & Interest, 60-80% LVR
BCU Bank’s OMG owner occupied home loan offers a variety of great low rates depending on your deposit. Save with no ongoing annual fees. Access your extra payments when you need to through the redraw facility. Pre-approval valid for 3 months.
BCU Bank’s OMG owner occupied home loan offers a variety of great low rates depending on your deposit. Save with no ongoing annual fees. Access your extra payments when you need to through the redraw facility. Pre-approval valid for 3 months.
Read reviews and learn more about home loans
Owner Occupier, LVR<80%
Get repayment security with fixed rates from one to five years. Free extra repayments of up to $25,000 during the fixed rate period. Fix a portion of your loan and leave the rest variable. Choose to repay weekly, fortnightly, or monthly.
Get repayment security with fixed rates from one to five years. Free extra repayments of up to $25,000 during the fixed rate period. Fix a portion of your loan and leave the rest variable. Choose to repay weekly, fortnightly, or monthly.
Read reviews and learn more about home loans
^See information about the Mozo Experts Choice Home loans Awards
*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.
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.
While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.
Our interest is absurdly high.
Read full reviewOur interest is absurdly high.
Pretty good, the dropped the home loan rate instantly after the RBA decision, and helped me with concession rates and hardship plans and were 90% of the time thoughtful, compassionate and helpful.
Read full reviewPretty good, the dropped the home loan rate instantly after the RBA decision, and helped me with concession rates and hardship plans and were 90% of the time thoughtful, compassionate and helpful.
Definitely would not recommend. As an existing customer they are charging me a higher rate than advertised to new customers and my request to have it lowered has been rejected. We have to refinance away from Tiimely to get a good rate again. At least I'll be able to join a new bank that actually has an app and faster Osko transfers!
Read full reviewDefinitely would not recommend. As an existing customer they are charging me a higher rate than advertised to new customers and my request to have it lowered has been rejected. We have to refinance away from Tiimely to get a good rate again. At least I'll be able to join a new bank that actually has an app and faster Osko transfers!
.png?width=642)
Whether you’re after the lates home reno trends, money-saving tips or cheapest home loan deals, Mozo’s moneyvators have it covered. Check out our collection of money savvy articles and top tips.
Find out how you can save on your home loan or learn about loan options for refinancing and investing with this series of helpful case studies and home loan scenarios.
Find the right home lender fast. Mozo details all home loan providers along with their home loan products right here so you compare rate, fees and features easily.