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 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.
Search promoted home loans below or do a full Mozo database search. Advertiser disclosure.
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Mozo Order
2.48% p.a. variable
2.50% p.a.
Owner Occupier, Principal & Interest
2.48% p.a. variable
2.50% p.a.
A low-rate home loan that could save you thousands, with no ongoing fees plus unlimited extra repayments and free redraws. Mozo Experts Choice Low Cost Home Loan 2020.^ You'll need to be borrowing $1 million or less and have at least a 20% deposit required.
2.09% p.a.
fixed 2 years
2.98% p.a.
Owner Occupier, Principal & Interest, LVR <80%
2.09% p.a.
fixed 2 years
2.98% p.a.
Have the security of a fixed rate for 2 years with the option to split with one of the HSBC variable Home Loans. No ongoing monthly service fees or annual fees. Mozo Experts Choice Fixed Home Loan 2020^
2.34% p.a. variable
2.34% p.a.
<60% LVR, Owner Occupier, Principal & Interest
2.34% p.a. variable
2.34% p.a.
Fast online application with no fees. Free extra repayments and redraw facility. Min 40% deposit. Crowned Best New Home Loan for 2020 by the Mozo Experts.^
2.49% p.a. variable
2.49% p.a.
Owner Occupier, Principal & Interest
2.49% p.a. variable
2.49% p.a.
Enjoy a super low rate, $0 fees and easy application with the Mozo Experts Choice Home Lender Bank of the Year.^ Free redraw with flexible repayments. Min 20% deposit.
Hot Deal$2,000 Refinance Cash Bonus (T&Cs apply)
2.68% p.a. variable
2.69% p.a.
LVR<80%, Owner Occupier, Principal & Interest
2.68% p.a. variable
2.69% p.a.
No monthly account keeping fee, no ongoing annual fee and no loan establishment fee on new lending of $150,000 or more. Get a $2,000 cash bonus when you refinance with an eligible Suncorp Bank Home Loan of $250k+. T&Cs & eligibility criteria apply.
Hot Deal$3,000 cashback when you refinance your home loan to BOQ (T&Cs apply)
2.64% p.a. variable
2.81% p.a.
Owner Occupier, Principal & Interest, 70-80% LVR
2.64% p.a. variable
2.81% p.a.
An ongoing low variable interest rate with free redraw, flexible repayment options and one free valuation. Discounted Economy variable rate available for owner occupier lending with max LVR of 80%.
2.61% p.a. variable
2.67% p.a.
LVR <80%, Owner Occupier, Principal & Interest
2.61% p.a. variable
2.67% p.a.
Competitve low interest rate for owner-occupiers with at least a 20% deposit, and no upfront fees. Free extra repayments and redraw. Zero ongoing fees.
2.59% p.a. variable
3.00% p.a.
Owner Occupier, Principal & Interest, LVR <80%
2.59% p.a. variable
3.00% p.a.
Enjoy a variable rate with the AMP Bank Professional Package Home Loan. 100% offset accounts available with full transaction access. Handy redraw facility available upon request. Minimum 20% deposit required. Other rates available for interest only option. Pre-qualify today.
2.18% p.a.
fixed 2 years
3.72% p.a.
Owner Occupier, Principal & Interest
2.18% p.a.
fixed 2 years
3.72% p.a.
No ongoing fees. Ability to split your loan between fixed and variable. $2,000 cashback offer for investor & owner occupied home loans over $250k with LVR ≤80% when refinancing to Newcastle Permanent. Limited time offer, T&Cs apply.
Hot DealSpecial rate applies to home loan applications submitted by 30th November 2020
2.19% p.a. variable
2.22% p.a.
Owner Occupier, Principal & Interest, LVR <70%
2.19% p.a. variable
2.22% p.a.
Yard’s low-rate variable special home loan is packed with all features – unlimited additional repayments, free redraw, 100% offset account. Enjoy a simple online application. Special rate applies to home loan applications submitted by 30th November 2020.
2.29% p.a.
fixed 2 years
3.28% p.a.
Owner Occupier, Principal & Interest
2.29% p.a.
fixed 2 years
3.28% p.a.
No monthly account keeping fees & No loan establishment fee. Get a $2,000 cash bonus when you refinance with an eligible Suncorp Bank Home Loan of $250k+. T&Cs & eligibility criteria apply.
2.44% p.a. variable
2.38% p.a.
70-80% LVR, Owner Occupier, Principal & Interest
2.44% p.a. variable
2.38% p.a.
Fast online application with no fees. Free extra repayments and redraw facility. Min 20% deposit. To reward borrowers for paying down their home loan, Athena will now automatically lower the rate as the loan is paid down. Crowned Best New Home Loan for 2020 by the Mozo Experts.^
2.14% p.a.
fixed 3 years
2.41% p.a.
Owner Occupier, Principal & Interest
2.14% p.a.
fixed 3 years
2.41% p.a.
$0 fees and easy application with the Mozo Experts Choice Home Lender Bank of the Year.^ Choose between weekly, fortnightly or monthly repayments. 3 year fixed rates are for new Owner Occupier Principal & Interest loans.
2.68% p.a. variable
2.68% p.a.
Owner Occupier, Principal & Interest
2.68% p.a. variable
2.68% p.a.
Qudos Bank No Frills Home Loan with $0 bank fees and unlimited repayments. Winner of the Split Home Loan award in 2020. ^
2.39% p.a.
fixed 3 years
3.08% p.a.
Owner Occupier, Principal & Interest
2.39% p.a.
fixed 3 years
3.08% p.a.
The IMB Fixed Rate Home Loan gives you peace of mind with the security of fixed loan repayments. You can also pay up to 12 months repayments in advance without penalty.
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Owner Occupier, Principal & Interest, <80% LVR
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
A super low introductory rate home loan with no monthly or ongoing fees. Unlimited free redraws and unlimited additional repayments to help you build your equity and own your home sooner. Multiple loan splits available. (Rates revert after introductory period ends). 20% minimum deposit required.
2.59% p.a. variable
2.60% p.a.
Owner Occupier, Principal & Interest
2.59% p.a. variable
2.60% p.a.
No ongoing fees. Free extra repayments and online redraw. Mozo Experts Choice Split Home Loan 2020^
Hot Deal$3,000 cashback when you refinance your home loan to BOQ (T&Cs apply)
2.25% p.a.
fixed 3 years
3.41% p.a.
Owner Occupier, Principal & Interest, <80% LVR
2.25% p.a.
fixed 3 years
3.41% p.a.
Have the certainty of fixed repayments with a competitive rate from BOQ. Flexible repayment options available and make up to $5,000 in additional repayments annually. $3,000 cashback when you refinance your home loan to BOQ (min. $250k lending, max 70% LVR, T&Cs apply).
2.19% p.a.
fixed 3 years
2.79% p.a.
Owner Occupier, Principal & Interest, LVR<80%
2.19% p.a.
fixed 3 years
2.79% p.a.
Competitive fixed rates ranging from 2.29% (2.82% comparison rate*) across 1 to 5 year terms. No application fee or annual fee. Free extra repayments (up to $10,000 per year).
2.59% p.a. variable
2.63% p.a.
Owner Occupier, Principal & Interest
2.59% p.a. variable
2.63% p.a.
Enjoy a great low rate with no ongoing fees. Ability to split your loan between fixed and variable. 100% offset account. $2,000 cashback offer for investor & owner occupied home loans over $250k with LVR ≤80% when refinancing to Newcastle Permanent. Limited time offer, T&Cs apply.
^See information about the Mozo Experts Choice Home loans Awards
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.
How much could you save by switching your home loan? Compare savings from over 500 home loans. Find out in a few clicks.
Views, news, tips and guides to help find the home loan for you.
I am not a fan of the interest rate, I feel it could be better. I have never used the free valuation each year but I plan to go and talk to the bank about our whole package as I feel I am not getting the most I can from it.
Read full reviewI am not a fan of the interest rate, I feel it could be better. I have never used the free valuation each year but I plan to go and talk to the bank about our whole package as I feel I am not getting the most I can from it.
I've only been a customer for 18 months but already my rate is higher than the one they offer new customers. Its no introductory offer its just once you sign up your individual variable rate is put up above what they offer. I've contacted the bank but no response. Regretful decision changing to the them.
Read full reviewI've only been a customer for 18 months but already my rate is higher than the one they offer new customers. Its no introductory offer its just once you sign up your individual variable rate is put up above what they offer. I've contacted the bank but no response. Regretful decision changing to the them.
You can always find a branch wherever you are. Extra ATMs in shopping centres. Friendly staff in branches and over the phone. I have been with them for over 30 years.
Read full reviewYou can always find a branch wherever you are. Extra ATMs in shopping centres. Friendly staff in branches and over the phone. I have been with them for over 30 years.
