Home loans powered by Mozo

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
    • loans.com.au
      Blackboard Special (Purchases and Refinances LVR <80%)
      • No ongoing fees
      • For refinance and purchases
      • Apply online
    • variable rate

      4.49%

    • comparison rate*

      4.51%


      upfront fees

      $295

    • Go to site
    Click for more info
    • State Custodians
      Peak Performance Offset (<80%)
      • 100% offset account
      • Free redraw
      • Free extra repayments
    • variable rate

      4.59%

    • comparison rate*

      4.92%


      upfront fees

      $550

    • Go to site
    Click for more info
    • UBank
      UHomeLoan
      • 0.25% upfront discount offer, ending November 30
      • No 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

      $150

    • Go to site
    Click for more info
    • Illawarra Home Loans
      Bank Beater Home Loan (<80% LVR)
      • Bonus 0.05% rate cut after 5 years
      • 100% offset account
      • $0 application fee
    • variable rate

      4.72% variable for 60 months and then 4.67%

    • comparison rate*

      5.02%


      upfront fees

      $132

    • 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
    • Bank of Queensland
      Clear Path Variable Rate Home Loan
      • Free redraw facility
      • 100% offset account
      • $0 application fee
    • variable rate

      4.94%

    • comparison rate*

      5.07%


      upfront fees

      $150

    • Go to site
    Click for more info
    • Greater Building Society
      Variable Loan (Ultimate Home Loan Package)
      • Free extra repayments
      • Free redraw facility
      • Offset account available
    • variable rate

      4.94%

    • comparison rate*

      5.27%


      upfront fees

      $180

    • 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 and Refinances LVR <80%)
      • No ongoing fees
      • For refinance and purchases
      • Apply online
    • variable rate

      4.49%

    • comparison rate*

      4.51%


      upfront fees

      $295

    • Go to site
    Click for more info
    • State Custodians
      Peak Performance Offset (<80%)
      • 100% offset account
      • Free redraw
      • Free extra repayments
    • variable rate

      4.59%

    • comparison rate*

      4.92%


      upfront fees

      $550

    • Go to site
    Click for more info
    • UBank
      UHomeLoan
      • 0.25% upfront discount offer, ending November 30
      • No 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

      $150

    • Go to site
    Click for more info
    • Illawarra Home Loans
      Bank Beater Home Loan (<80% LVR)
      • Bonus 0.05% rate cut after 5 years
      • 100% offset account
      • $0 application fee
    • variable rate

      4.72% variable for 60 months and then 4.67%

    • comparison rate*

      5.02%


      upfront fees

      $132

    • 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
    • Bank of Queensland
      Clear Path Variable Rate Home Loan
      • Free redraw facility
      • 100% offset account
      • $0 application fee
    • variable rate

      4.94%

    • comparison rate*

      5.07%


      upfront fees

      $150

    • Go to site
    Click for more info
    • Greater Building Society
      Variable Loan (Ultimate Home Loan Package)
      • Free extra repayments
      • Free redraw facility
      • Offset account available
    • variable rate

      4.94%

    • comparison rate*

      5.27%


      upfront fees

      $180

    • 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 monthly fees
      • Offset account available
    • fixed 1 year rate

      4.29%

    • fixed 3 year rate

      5.14%


      comparison rate*

      5.32%

    • Go to site
    Click for more info
    • iMortgage
      iMortgage Fusion Fixed (75% LVR, <50% loan fixed)
      • No application fees
      • No ongoing fees
      • Unlimited free redraw
    • fixed 1 year rate

      4.67%

    • fixed 3 year rate

      4.82%


      comparison rate*

      4.81%

    • Enquire
    Click for more info
    • Illawarra Home Loans
      Bank Beater (Fixed)
      • Borrow up to 90%
      • Free extra repayments
      • Redraw facility
    • fixed 1 year rate

      4.71%

    • fixed 3 year rate

      5.06%


      comparison rate*

      5.14%

    • 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 and Refinances LVR <80%)
      • No ongoing fees
      • For refinance and purchases
      • Apply online
    • ongoing fees

      $0.00

    • variable rate

      4.49%


      comparison rate*

      4.51%

    • Go to site
    Click for more info
    • UBank
      UHomeLoan
      • 0.25% upfront discount offer, ending November 30
      • No 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
    • iMortgage
      iMortgage Essential (purchase or refinance) (<90% LVR)
      • No ongoing fees
      • Free extra repayments
      • Free redraw facility
    • ongoing fees

      $0.00

    • variable rate

      4.69%


      comparison rate*

      4.71%

    • Go to site
    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
  • *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 and Refinances LVR <80%)
      • No ongoing fees
      • For refinance and purchases
      • Apply online
    • variable rate

      4.49%

    • comparison rate*

      4.51%


      upfront fees

      $295

    • Go to site
    Click for more info
    • State Custodians
      Peak Performance Offset (<80%)
      • 100% offset account
      • Free redraw
      • Free extra repayments
    • variable rate

      4.59%

    • comparison rate*

      4.92%


      upfront fees

      $550

    • Go to site
    Click for more info
    • UBank
      UHomeLoan - Refinance
      • 0.25% upfront discount offer, ending November 30
      • No 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

      $150

    • Go to site
    Click for more info
    • Illawarra Home Loans
      Bank Beater Home Loan (<80% LVR)
      • Bonus 0.05% rate cut after 5 years
      • 100% offset account
      • $0 application fee
    • variable rate

      4.72% variable for 60 months and then 4.67%

    • comparison rate*

      5.02%


      upfront fees

      $132

    • 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
    • Bank of Queensland
      Clear Path Variable Rate Home Loan
      • Free redraw facility
      • 100% offset account
      • $0 application fee
    • variable rate

      4.94%

    • comparison rate*

      5.07%


      upfront fees

      $150

    • 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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