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.
Read moreSimply compare today’s mortgage rates in the table below and enter your loan amount to calculate initial mortgage repayments for each loan.
Some of the best value loans on the market are often from smaller lenders. Be sure to check the more info section for the minimum deposit required for each loan, as this can vary from 5% to 30%.
While you’re there, review the fees and features of each loan. Most variable loans offer free extra repayments and redraw, but not all loans offer a mortgage offset account. Common fees to be aware of include upfront fees, ongoing fees and discharge fees.
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Mozo order
2.88% p.a. variable
2.90% p.a.
Owner Occupier, Principal & Interest
2.88% p.a. variable
2.90% p.a.
A low-rate home loan that could save you thousands. No ongoing fees. Unlimited additional repayments. Unlimited free redraws with no minimum redraw amount, Limited time only.
2.84% p.a. variable
2.84% p.a.
Owner Occupier, Principal & Interest
2.84% p.a. variable
2.84% p.a.
Free redraw with flexible repayments. Min 20% deposit. Winner of a Mozo Experts Choice Award 2019 in the Low Cost Home Loan category^.
2.84% p.a. variable
2.80% p.a.
Owner Occupier, Principal & Interest
2.84% p.a. variable
2.80% p.a.
Get the low rate you deserve with Athena, one of Australia's newest direct lenders. No fees and fee-free redraw. The same low rates for new and existing customers. Score loyalty bonus for making repayments. Min 20% deposit.
3.09% p.a. variable
3.09% p.a.
Owner Occupier, LVR<70%, Principal & Interest
3.09% p.a. variable
3.09% p.a.
No application or account management fees. Split your loan and set different repayment types or create multiple offset accounts to maximise all of your savings.
2.89% p.a.
fixed 2 years
3.76% p.a.
Owner Occupier, Principal & Interest
2.89% p.a.
fixed 2 years
3.76% p.a.
Minimum loan amount of $300k. 20% deposit needed. Free additional repayments up to $5,000 per year.
2.72% p.a. variable
2.75% p.a.
Owner Occupier, Principal & Interest, LVR <80%
2.72% p.a. variable
2.75% p.a.
Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee. Purchase, Refinance or Equity Release purposes allowed. Best New Home Loan in Mozo Experts Choice Awards 2019.^
3.13% p.a. variable
3.19% p.a.
LVR 70-90%, Owner Occupier, Principal & Interest
3.13% p.a. variable
3.19% p.a.
Start with only 10% minimum deposit. Unrestricted additional repayments and free redraw facility.
3.34% p.a. variable
2.99% p.a.
Owner Occupier, Interest Only
3.34% p.a. variable
2.99% p.a.
With Athena's loyalty bonus, receive 0.01% discount for each of the first 5 years, just for making your repayments. Athena doesn't charge any fees and you can make extra payments to reduce your loan balance to save interest
2.92% p.a. variable
2.96% p.a.
Owner Occupier, Principal & Interest, LVR <90%
2.92% p.a. variable
2.96% p.a.
A low rate home loan for variable owner occupied loans, up to 90% LVR and no ongoing fees. Winner of a Mozo Experts Choice Award 2019 for the Best New Home Loan.^
2.79% p.a. variable
2.80% p.a.
Owner Occupier, Principal & Interest
2.79% p.a. variable
2.80% p.a.
Tic:Toc’s award-winning online platform could save you thousands. No application or ongoing fees, fee-free redraws and an optional offset account for $10 per month. Minimum 10% deposit. Winner of a Mozo Experts Choice Award 2019 for Online Home Lender of the Year 2019.^
3.08% p.a. variable
3.10% p.a.
Owner Occupier, Principal & Interest
3.08% p.a. variable
3.10% p.a.
A super-low-rate home loan that comes with a $5,000 limit Visa Debit Card that is interest free for the life of the loan. No monthly or ongoing fees. Unlimited additional repayments. Unlimited free redraws with no minimum redraw amount. Best New Feature in Mozo Experts Choice Awards 2019.^
3.07% p.a. variable
3.12% p.a.
Owner Occupier, LVR<80%
3.07% p.a. variable
3.12% p.a.
No monthly administration fees. Ability to make extra repayments and redraws. A great low rate. No ongoing fees. Experience the difference this established bank has to offer.
3.19% p.a. variable
3.23% p.a.
Owner Occupier, Principal & Interest
3.19% p.a. variable
3.23% p.a.
No ongoing fees. Ability to split your loan between fixed and variable. First home buyers receive $2,500 cash back on loans $250K and above. Cash back will be deposited to the borrower’s NPBS Everyday Account after settlement.
2.89% p.a. variable
2.93% p.a.
Owner Occupier, Principal & Interest
2.89% p.a. variable
2.93% p.a.
A Mozo Exclusive rate for loans up to $1.5M with a low 2.89% ongoing variable rate (2.93% comparison rate).
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^See information about the Mozo Experts Choice Home Loans Awards
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Views, news, tips and guides to help find the home loan for you.
A terrible product that I was signed up to by a greedy mortgage broker. Does not represent value for money. High annual fee, a high-interest rate on mortgage and credit card. Steer clear. Near impossible to escape from.
Read full reviewA terrible product that I was signed up to by a greedy mortgage broker. Does not represent value for money. High annual fee, a high-interest rate on mortgage and credit card. Steer clear. Near impossible to escape from.
Once signed on they didn't pass on the full rate cuts. However, they did pass it on for new customers, so as a loyal customer I am on a worse rate than new customers. The application process was also confusing and cumbersome, luckily I was not in any rush for the loan.
Read full reviewOnce signed on they didn't pass on the full rate cuts. However, they did pass it on for new customers, so as a loyal customer I am on a worse rate than new customers. The application process was also confusing and cumbersome, luckily I was not in any rush for the loan.
Interest rate are low. They keep an eye out for suspicious transactions. Give great financial advice. Only thing that I'm not happy about is that it is a bit difficult to send money to a few countries overseas to family so we don’t use them for that.
Read full reviewInterest rate are low. They keep an eye out for suspicious transactions. Give great financial advice. Only thing that I'm not happy about is that it is a bit difficult to send money to a few countries overseas to family so we don’t use them for that.
