Top Home Loans in 2020

Mozo's expert home loan comparisons could help you save thousands by finding a great value home loan with the  right features for your needs. We compare over 500 home loans from 80 lenders to help you find the right loan quickly and easily.

Read more

Getting started is easy

Simply compare today’s mortgage rates in the table below and enter your loan amount to calculate initial mortgage repayments for each loan.

How to find the best rates

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%.

Don’t forget to check fees and features

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.

Top Home Loans - page last updated February 28, 2020

interest
rate
comparison
rate*
Initial monthly
repayment**

I want to borrow

years

  • 2.78% p.a. variable

    2.80% p.a.

      Compare
    Details
  • mozo-experts-choice-2019

    2.84% p.a. variable

    2.84% p.a.

      Compare
    Details
  • 2.84% p.a. variable

    2.80% p.a.

      Compare
    Details
  • 3.01% p.a. variable

    3.04% p.a.

      Compare
    Details
  • 2.79% p.a.
    fixed 3 years

    3.67% p.a.

      Compare
    Details
  • 2.74% p.a. variable

    2.77% p.a.

      Compare
    Details
  • mozo-experts-choice-2019

    3.19% p.a. variable

    3.23% p.a.

      Compare
    Details
  • 3.39% p.a. variable

    3.39% p.a.

      Compare
    Details
  • 2.88% p.a. variable

    2.90% p.a.

      Compare
    Details
  • 2.69% p.a. variable

    2.72% p.a.

      Compare
    Details
  • 2.96% p.a. variable

    3.01% p.a.

      Compare
    Details
  • 2.89% p.a. variable

    2.93% p.a.

      Compare
    Details
  • 2.89% p.a.
    fixed 3 years

    3.23% p.a.

      Compare
    Details

Want more home loan options?

Browse all 549 home loans in Mozo's comparison database

Picture of Steve Jovcevski

Talk to a Mozo home loans expert

Buying your first home, refinancing your existing home or thinking of investing? Speak to Steve, our home loans expert today!

Your selected home loans

*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.

^See information about the Mozo Experts Choice Home Loans Awards

Switch & Save Calculator

How much could you save by switching your home loan? Compare savings from over 500 home loans. Find out in a few clicks.

Get started

Advertisement

Home loan resources

Views, news, tips and guides to help find the home loan for you.

Home loan guides

Recent home loan tips

Home Loan Reviews

NAB Broker Home Loan review
Overall 9/10
Great product and service.

Been with NAB for years now and always been competitive and provide great customer service.

Read full review

Been with NAB for years now and always been competitive and provide great customer service.

Price
8/10
Features
8/10
Customer service
9/10
Convenience
8/10
Trust
8/10
Less
Aaron, New South Wales reviewed about 10 hours ago
Resimac Home Loan review
Overall 1/10
Worst customer service.

Worst customer service. Their system of charging extra fees is mind boggling and unique. They will tell you that they can fix the direct debit date and change the date to what you want to be for the yearly fee but will surprise you with some lies.

Read full review

Worst customer service. Their system of charging extra fees is mind boggling and unique. They will tell you that they can fix the direct debit date and change the date to what you want to be for the yearly fee but will surprise you with some lies.

Price
2/10
Features
2/10
Customer service
0/10
Convenience
0/10
Trust
0/10
Less
Asiful, Queensland reviewed about 10 hours ago
Commonwealth Bank Standard Variable Rate review
Overall 9/10
Would recommend.

Excellent service.

Read full review

Excellent service.

Price
6/10
Features
9/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Debbie, Queensland reviewed about 10 hours ago

Mortgage calculators

  • Switch and Save

    How much could you save by switching home loans?

    See calculator

  • Repayments calculator

    How much will my repayments be?

    See calculator

  • Rate change calculator

    How will rate changes affect my repayments?

    See calculator

  • Comparison calculator

    Which home loan will cost me less?

    See calculator

  • Extra repayments calculator

    How much will I save with extra repayments?

    See calculator

  • Borrowing calculator

    How much can I afford to borrow?

    See calculator

  • Stamp duty calculator

    How much do I have to pay?

    See calculator