Home loans, lowest rate mortgage, refinancing Australia - Investsmart
 
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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.

    • UBank UHomeLoan
      • Includes 0.25% p.a. upfront discount offer
      • $0 upfront fees
      • $0 ongoing fees
    • variable rate

      4.62%

    • comparison rate*

      4.62%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • State Custodians Standard Variable Offset (<80%)
      • Loyalty bonus rate drop 0.25% p.a. after 5 years
      • 100% offset account
      • Free redraw
    • variable rate

      4.69% variable for 60 months and then 4.44%

    • comparison rate*

      4.90%

    • upfront fees

      $550

    • Go to site
    Click for more info
    • Homeloans Ultra Plus (LVR less than 75%)
      • $0 application fee
      • Free extra repayments
      • Free redraw facility
    • variable rate

      4.79%

    • comparison rate*

      5.13%

    • upfront fees

      $150

    • Go to site
    Click for more info
    • Bankwest Online Home Loan
      • No application fee
      • No 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
    • Bank of Queensland Clear Path Variable Rate Home Loan
      • No application fee
      • Free redraw
      • 100% mortgage offset facility
    • variable rate

      4.94%

    • comparison rate*

      5.07%

    • upfront fees

      $150

    • Go to site
    Click for more info
    • BCU Maximum Discounted Variable Rate
      • For a limited time only, you could win $2,500. Conditions apply
      • No monthly fees
      • Free extra repayments
    • variable rate

      5.08%

    • comparison rate*

      5.12%

    • upfront fees

      $600

    • 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
      • Includes 0.25% p.a. upfront discount offer
      • $0 upfront fees
      • $0 ongoing fees
    • variable rate

      4.62%

    • comparison rate*

      4.62%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • State Custodians Standard Variable Offset (<80%)
      • Loyalty bonus rate drop 0.25% p.a. after 5 years
      • 100% offset account
      • Free redraw
    • variable rate

      4.69% variable for 60 months and then 4.44%

    • comparison rate*

      4.90%

    • upfront fees

      $550

    • Go to site
    Click for more info
    • Homeloans Ultra Plus (LVR less than 75%)
      • $0 application fee
      • Free extra repayments
      • Free redraw facility
    • variable rate

      4.79%

    • comparison rate*

      5.13%

    • upfront fees

      $150

    • Go to site
    Click for more info
    • Bankwest Online Home Loan
      • No application fee
      • No 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
    • Bank of Queensland Clear Path Variable Rate Home Loan
      • No application fee
      • Free redraw
      • 100% mortgage offset facility
    • variable rate

      4.94%

    • comparison rate*

      5.07%

    • upfront fees

      $150

    • Go to site
    Click for more info
    • BCU Maximum Discounted Variable Rate
      • For a limited time only, you could win $2,500. Conditions apply
      • No monthly fees
      • Free extra repayments
    • variable rate

      5.08%

    • comparison rate*

      5.12%

    • upfront fees

      $600

    • 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

      5.04%

    • comparison rate*

      5.30%

    • Go to site
    Click for more info
    • UBank UHomeLoan (Fixed)
      • No ongoing fees
      • Interest only repayment options
      • Split account available
    • fixed 1 year rate

      4.48%

    • fixed 3 year rate

      4.88%

    • comparison rate*

      4.83%

    • 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
      • Includes 0.25% p.a. upfront discount offer
      • $0 upfront fees
      • $0 ongoing fees
    • ongoing fees

      $0.00

    • variable rate

      4.62%

    • comparison rate*

      4.62%

    • Go to site
    Click for more info
    • Bankwest Online Home Loan
      • No application fee
      • No 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
    • BCU Maximum Discounted Variable Rate
      • For a limited time only, you could win $2,500. Conditions apply
      • No monthly fees
      • Free extra repayments
    • ongoing fees

      $0.00

    • variable rate

      5.08%

    • comparison rate*

      5.12%

    • 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
      • Receive $2,014 EFTPOS gift card when you switch your home loan. Conditions apply
      • Includes 0.25% upfront discount offer
      • No upfront or monthly fees
    • variable rate

      4.62%

    • comparison rate*

      4.62%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • State Custodians Standard Variable Offset (<80%)
      • Loyalty bonus rate drop 0.25% p.a. after 5 years
      • 100% offset account
      • Free redraw
    • variable rate

      4.69% variable for 60 months and then 4.44%

    • comparison rate*

      4.90%

    • upfront fees

      $550

    • Go to site
    Click for more info
    • Homeloans Ultra Plus (LVR less than 75%)
      • $0 application fee
      • Free extra repayments
      • Free redraw facility
    • variable rate

      4.79%

    • comparison rate*

      5.13%

    • upfront fees

      $150

    • Go to site
    Click for more info
    • Bankwest Online Home Loan
      • No application fee
      • No 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
    • Bank of Queensland Clear Path Variable Rate Home Loan
      • No application fee
      • Free redraw
      • 100% mortgage offset facility
    • 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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