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Compare home loans

Whether you're a first home buyer, a property investor or simply shopping around for a better home loan deal - we have the tools to help with your home loan search. From do-it-yourself rate comparisons to personalised services that connect you with home loan experts ready to help.

Mystery Bank Deals

Today's top variable rate:

  • 4.74 % variable rate
  • 4.77 % comp rate
  • Go
  • 100% offset account
  • No ongoing fees

Today's sponsored deal

CUA

CUA Rate Breaker Home Loan

  • No establishment fees
  • 100% mortgage offset facility
  • Free redraw facility (minimum $1,000 redraw applies)
Check it out
    • loans.com.au
      Blackboard Special (Purchases Only LVR <80%)
      • No ongoing fees
      • Purchases only. Online applications only
      • Full featured loan
    • variable rate

      4.49%

    • comparison rate*

      4.51%


      upfront fees

      $295

    • Go to site
    Click for more info
    • loans.com.au
      dream loan express (purchases and refinances) (<80% LVR)
      • $0 ongoing fees
      • For re-finance or purchase
      • Flexible 100% redraw offset facility
    • variable rate

      4.55%

    • comparison rate*

      4.57%


      upfront fees

      $295

    • Go to site
    Click for more info
    • UBank
      UHomeLoan
      • Upfront discount offer 0.25% included. Limited time only
      • No annual fees
      • Fee free redraws (minimum $1000)
    • variable rate

      4.62%

    • comparison rate*

      4.62%


      upfront fees

      $0

    • Go to site
    Click for more info
    • iMortgage
      iMortgage Essential (purchase or refinance) (<90% LVR)
      • No ongoing fees
      • Free extra repayments
      • Free redraw facility
    • variable rate

      4.69%

    • comparison rate*

      4.71%


      upfront fees

      $410

    • Go to site
    Click for more info
    • Bankwest
      Online Home Loan
      • $0 application fee for a limited time only
      • No ongoing monthly fees
      • Free access to surplus repayments via online redraw
    • variable rate

      4.88%

    • comparison rate*

      4.89%


      upfront fees

      $0

    • Go to site
      Advertisement
    Click for more info
    • ING DIRECT
      Mortgage Simplifier (LVR < 80%) (SmartPack)
      • An interest rate discount of up to 0.34% p.a.
      • No monthly or annual fees
      • No redraw fees
    • variable rate

      4.88%

    • comparison rate*

      4.90%


      upfront fees

      $220

    • Go to site
    Click for more info
    • bankmecu
      First Home Buyers Home Loan
      • No ongoing fees
      • Free redraw facility
      • Offset savings account available
    • variable rate

      4.89%

    • comparison rate*

      4.89%


      upfront fees

      $0

    • Go to site
    Click for more info
    • HSBC
      Variable (from $500k to $750k) (Premier)
      • 1.05% discount off the standard variable rate. Conditions apply
      • 100% balance offset account
      • Free extra repayments
    • variable rate

      4.90%

    • comparison rate*

      5.32%


      upfront fees

      $635

    • Go to site
      Advertisement
    Click for more info
    • CUA
      CUA Rate Breaker (Package)
      • No establishment fees
      • 100% mortgage offset facility
      • Free redraw facility (minimum $1,000 redraw applies)
    • variable rate

      4.91%

    • comparison rate*

      5.26%


      upfront fees

      $195

    • Go to site
    Click for more info
    • Greater Building Society
      Great Rate Home Loan
      • No ongoing fees
      • No monthly or annual fees
      • Free extra repayments
    • variable rate

      5.14%

    • comparison rate*

      5.20%


      upfront fees

      $790

    • Go to site
    Click for more info
  • *The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
    ** Saving based on the average difference in fees and charges over the life of the loan between the most competitive product Mozo can refer a consumer to and the average home loan product input by 12,504 consumers (average balance of $325,069 interest rate of 6.97%, monthly fee of $9.90, exit fee of $330 and loan term of 16.6 years) who used the Mozo Home Loan Health Check tool between 1 January 2012 to July 2012.

    • UBank
      UHomeLoan
      • Upfront discount offer 0.25% included. Limited time only
      • No annual fees
      • Fee free redraws (minimum $1000)
    • variable rate

      4.62%

    • comparison rate*

      4.62%


      upfront fees

      $0

    • Go to site
    Click for more info
    • loans.com.au
      dream loan express (purchases and refinances) (<80% LVR)
      • $0 ongoing fees
      • For re-finance or purchase
      • Flexible 100% redraw offset facility
    • variable rate

      4.55%

    • comparison rate*

      4.57%


      upfront fees

      $295

    • Go to site
    Click for more info
    • IMB
      Introductory Variable
      • Free extra repayments
      • Free redraw facility
      • Borrow up to 95% of property value
    • variable rate

      4.66% variable for 12 months and then 5.41%

    • comparison rate*

      5.40%


      upfront fees

      $769

    • Go to site
    Click for more info
    • Bankwest
      Online Home Loan
      • $0 application fee for a limited time only
      • No ongoing monthly fees
      • Free access to surplus repayments via online redraw
    • variable rate

      4.88%

    • comparison rate*

      4.89%


      upfront fees

      $0

    • Go to site
      Advertisement
    Click for more info
    • ING DIRECT
      Mortgage Simplifier (LVR < 80%) (SmartPack)
      • An interest rate discount of up to 0.34% p.a.
      • No monthly or annual fees
      • No redraw fees
    • variable rate

      4.88%

    • comparison rate*

      4.90%


      upfront fees

      $220

    • Go to site
    Click for more info
    • bankmecu
      First Home Buyers Home Loan
      • No ongoing fees
      • Free redraw facility
      • Offset savings account available
    • variable rate

      4.89%

    • comparison rate*

      4.89%


      upfront fees

      $0

    • Go to site
    Click for more info
    • HSBC
      Variable (from $500k to $750k) (Premier)
      • 1.05% discount off the standard variable rate. Conditions apply
      • 100% balance offset account
      • Free extra repayments
    • variable rate

      4.90%

    • comparison rate*

      5.32%


      upfront fees

      $635

    • Go to site
      Advertisement
    Click for more info
    • CUA
      CUA Rate Breaker (Package)
      • No establishment fees
      • 100% mortgage offset facility
      • Free redraw facility (minimum $1,000 redraw applies)
    • variable rate

      4.91%

    • comparison rate*

      5.26%


      upfront fees

      $195

    • Go to site
    Click for more info
    • IMB
      Variable Home Loan ($250k - $500k) (LVR<90%) (Platinum Package)
      • No application fee (includes one valuation)
      • Redraw facility. Free extra repayments
      • 100% offset account
    • variable rate

      4.91%

    • comparison rate*

      5.30%


      upfront fees

      $324

    • Go to site
    Click for more info
    • Greater Building Society
      Great Rate Home Loan
      • No ongoing fees
      • No monthly or annual fees
      • Free extra repayments
    • variable rate

      5.14%

    • comparison rate*

      5.20%


      upfront fees

      $790

    • Go to site
    Click for more info
  • *The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
    ** Saving based on the average difference in fees and charges over the life of the loan between the most competitive product Mozo can refer a consumer to and the average home loan product input by 12,504 consumers (average balance of $325,069 interest rate of 6.97%, monthly fee of $9.90, exit fee of $330 and loan term of 16.6 years) who used the Mozo Home Loan Health Check tool between 1 January 2012 to July 2012.

    • Greater Building Society
      Fixed Rate Home Loan (Ultimate Home Loan Package)
      • Free redraw facility
      • No legal fees
      • No valuation fees
    • fixed 1 year rate

      4.34%

    • fixed 3 year rate

      5.14%


      comparison rate*

      5.36%

    • Go to site
    Click for more info
    • UBank
      UHomeLoan (Fixed)
      • No ongoing bank fees
      • Easy online application process
      • Maximum LVR 80%
    • fixed 1 year rate

      4.48%

    • fixed 3 year rate

      4.73%


      comparison rate*

      4.79%

    • Go to site
    Click for more info
    • IMB
      Fixed Home Loan ($250k - $500k) (LVR<90%) (Platinum Package)
      • No application fee
      • 100% offset account
      • Free online redraw facility
    • fixed 1 year rate

      4.59%

    • fixed 3 year rate

      4.94%


      comparison rate*

      5.52%

    • Go to site
    Click for more info
    • Victoria Teachers Mutual Bank
      Basic Home Loan (Fixed, Rewards Package)
      • $0 establishment fee
      • $500 cash back available to refinance home loans
      • Redraw facility. Free extra repayments
    • fixed 1 year rate

      4.74%

    • fixed 3 year rate

      4.84%


      comparison rate*

      5.30%

    • Go to site
    Click for more info
    • CUA
      Fixed Home Loan
      • No monthly account fees
      • The ability to make three agreed repayments in advance
      • Interest only repayment options
    • fixed 1 year rate

      4.89%

    • fixed 3 year rate

      4.79%


      comparison rate*

      5.29%

    • Go to site
    Click for more info
    • bankmecu
      Fixed Rate Home Loan
      • No ongoing fees
      • Flexible repayment options
      • Family repayment pause - take a 3 month pause from full repayments or a 6 month pause at half repayments
    • fixed 1 year rate

      4.95%

    • fixed 3 year rate

      5.19%


      comparison rate*

      5.16%

    • Go to site
    Click for more info
    • loans.com.au
      dream loan express (purchases and refinances) (Fixed)
      • $0 ongoing fees
      • Available for re-finance or purchase
      • Free extra repayments up to $10,000 p.a
    • fixed 1 year rate

      4.99%

    • fixed 3 year rate

      4.99%


      comparison rate*

      4.66%

    • Go to site
    Click for more info
  • *The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
    ** Saving based on the average difference in fees and charges over the life of the loan between the most competitive product Mozo can refer a consumer to and the average home loan product input by 12,504 consumers (average balance of $325,069 interest rate of 6.97%, monthly fee of $9.90, exit fee of $330 and loan term of 16.6 years) who used the Mozo Home Loan Health Check tool between 1 January 2012 to July 2012.

    • loans.com.au
      Blackboard Special (Purchases Only LVR <80%)
      • No ongoing fees
      • Purchases only. Online applications only
      • Full featured loan
    • ongoing fees

      $0.00

    • variable rate

      4.49%


      comparison rate*

      4.51%

    • Go to site
    Click for more info
    • loans.com.au
      dream loan express (purchases and refinances) (<80% LVR)
      • $0 ongoing fees
      • For re-finance or purchase
      • Flexible 100% redraw offset facility
    • ongoing fees

      $0.00

    • variable rate

      4.55%


      comparison rate*

      4.57%

    • Go to site
    Click for more info
    • UBank
      UHomeLoan
      • Upfront discount offer 0.25% included. Limited time only
      • No annual fees
      • Fee free redraws (minimum $1000)
    • ongoing fees

      $0.00

    • variable rate

      4.62%


      comparison rate*

      4.62%

    • Go to site
    Click for more info
    • Bankwest
      Online Home Loan
      • $0 application fee for a limited time only
      • No ongoing monthly fees
      • Free access to surplus repayments via online redraw
    • ongoing fees

      $0.00

    • variable rate

      4.88%


      comparison rate*

      4.89%

    • Go to site
      Advertisement
    Click for more info
    • ING DIRECT
      Mortgage Simplifier (LVR < 80%) (SmartPack)
      • An interest rate discount of up to 0.34% p.a.
      • No monthly or annual fees
      • No redraw fees
    • ongoing fees

      $0.00

    • variable rate

      4.88%


      comparison rate*

      4.90%

    • Go to site
    Click for more info
    • bankmecu
      First Home Buyers Home Loan
      • No ongoing fees
      • Free redraw facility
      • Offset savings account available
    • ongoing fees

      $0.00

    • variable rate

      4.89%


      comparison rate*

      4.89%

    • Go to site
    Click for more info
    • Greater Building Society
      Great Rate Home Loan
      • No ongoing fees
      • No monthly or annual fees
      • Free extra repayments
    • ongoing fees

      $0.00

    • variable rate

      5.14%


      comparison rate*

      5.20%

    • Go to site
    Click for more info
  • *The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
    ** Saving based on the average difference in fees and charges over the life of the loan between the most competitive product Mozo can refer a consumer to and the average home loan product input by 12,504 consumers (average balance of $325,069 interest rate of 6.97%, monthly fee of $9.90, exit fee of $330 and loan term of 16.6 years) who used the Mozo Home Loan Health Check tool between 1 January 2012 to July 2012.

    • UBank
      UHomeLoan - Refinance
      • Upfront discount offer 0.25% included. Limited time only
      • No annual fees
      • Fee free redraws (minimum $1000)
    • variable rate

      4.62%

    • comparison rate*

      4.62%


      upfront fees

      $0

    • Go to site
    Click for more info
    • IMB
      Introductory Variable
      • Free extra repayments
      • Free redraw facility
      • Borrow up to 95% of property value
    • variable rate

      4.66% variable for 12 months and then 5.41%

    • comparison rate*

      5.40%


      upfront fees

      $769

    • Go to site
    Click for more info
    • Bankwest
      Online Home Loan
      • $0 application fee for a limited time only
      • No ongoing monthly fees
      • Free access to surplus repayments via online redraw
    • variable rate

      4.88%

    • comparison rate*

      4.89%


      upfront fees

      $0

    • Go to site
      Advertisement
    Click for more info
    • ING DIRECT
      Mortgage Simplifier (LVR < 80%) (SmartPack)
      • An interest rate discount of up to 0.34% p.a.
      • No monthly or annual fees
      • No redraw fees
    • variable rate

      4.88%

    • comparison rate*

      4.90%


      upfront fees

      $220

    • Go to site
    Click for more info
    • HSBC
      Variable (from $500k to $750k) (Premier)
      • 1.05% discount off the standard variable rate. Conditions apply
      • 100% balance offset account
      • Free extra repayments
    • variable rate

      4.90%

    • comparison rate*

      5.32%


      upfront fees

      $635

    • Go to site
      Advertisement
    Click for more info
    • CUA
      CUA Rate Breaker (Package)
      • No establishment fees
      • 100% mortgage offset facility
      • Free redraw facility (minimum $1,000 redraw applies)
    • variable rate

      4.91%

    • comparison rate*

      5.26%


      upfront fees

      $195

    • Go to site
    Click for more info
    • IMB
      Variable Home Loan ($250k - $500k) (LVR<90%) (Platinum Package)
      • No application fee (includes one valuation)
      • Redraw facility. Free extra repayments
      • 100% offset account
    • variable rate

      4.91%

    • comparison rate*

      5.30%


      upfront fees

      $324

    • Go to site
    Click for more info
    • Greater Building Society
      Great Rate Home Loan
      • No ongoing fees
      • No monthly or annual fees
      • Free extra repayments
    • variable rate

      5.14%

    • comparison rate*

      5.20%


      upfront fees

      $790

    • Go to site
    Click for more info
  • *The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
    ** Saving based on the average difference in fees and charges over the life of the loan between the most competitive product Mozo can refer a consumer to and the average home loan product input by 12,504 consumers (average balance of $325,069 interest rate of 6.97%, monthly fee of $9.90, exit fee of $330 and loan term of 16.6 years) who used the Mozo Home Loan Health Check tool between 1 January 2012 to July 2012.

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**Saving based on the average difference in fees and charges over the life of the loan between the most competitive product Mozo can refer a consumer to and the average home loan product input by 12,504 consumers (average balance of $325,069 interest rate of 6.97%, monthly fee of $9.90, exit fee of $330 and loan term of 16.6 years) who used the Mozo Home Loan Health Check tool between 1 January 2012 to July 2012.

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