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.

Today's sponsored deal

CUA

Award winning 3-year fixed home loan

  • Get CUA's 3 year fixed home loan rate of 4.89% p.a. (5.31% p.a. comparison rate)
  • No monthly fees, interest only options
Check it out
    • UBank UHomeLoan
      • Extended offer, receive $2,014 EFTPOS gift card when you settle on your home loan. Conditions apply
      • Includes 0.25% p.a. upfront discount offer
      • No bank fees whatsoever
    • variable rate

      4.62%

    • comparison rate*

      4.62%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • IMB Introductory Variable Home Loan
      • Discounted interest rate for the first 12 months
      • Unrestricted additional repayments
      • Free internet and mobile banking redraws
    • variable rate

      4.66% variable for 12 months and then 5.31%

    • comparison rate*

      5.40%

    • upfront fees

      $769

    • Go to site
    Click for more info
    • iMortgage Essential Home Loan
      • $0 application, legal and valuation fees
      • No ongoing fees
      • Free redraw
    • variable rate

      4.69%

    • comparison rate*

      4.71%

    • upfront fees

      $150

    • Go to site
    Click for more info
    • State Custodians Standard Variable Offset (LVR <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
    • Bank of Queensland Clear Path Variable Rate Home Loan
      • No application fee
      • Free redraw
      • 100% mortgage offset facility
    • variable rate

      4.87%

    • comparison rate*

      5.00%

    • upfront fees

      $150

    • Go to site
    Click for more info
    • Newcastle Permanent Premium Plus ($750k - $900k) (Package Home Loan)
      • $0 upfront fees
      • $0 application fee
      • 100% offset facility
    • variable rate

      4.87%

    • comparison rate*

      5.19%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • Bankwest Online Home Loan
      • Exclusive offer for online applications
      • Save $695 with $0 online application fee. Limited time only
      • No ongoing monthly loan maintenance fees
    • variable rate

      4.88%

    • comparison rate*

      4.89%

    • upfront fees

      $0

    • Go to site
      Advertisement
    Click for more info
    • IMB Budget Home Loan (LVR<90%)
      • Free extra repayments
      • Free redraw facility
      • Split account available
    • variable rate

      4.88%

    • comparison rate*

      5.05%

    • upfront fees

      $769

    • Go to site
    Click for more info
    • AMP Essential Home Loan
      • Free redraw available
      • No ongoing monthly fees
      • Free extra repayments
    • variable rate

      4.90%

    • comparison rate*

      4.92%

    • upfront fees

      $295

    • Go to site
    Click for more info
    • bankmecu goGreen Home Loan
      • No monthly fees
      • Free redraw available
      • 100% offset savings account available
    • variable rate

      4.94%

    • comparison rate*

      4.98%

    • upfront fees

      $595

    • 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

      $275

    • Go to site
    Click for more info
    • BCU Maximum Discounted Variable Rate
      • No annual fee
      • No monthly fees
      • Free extra repayments
    • variable rate

      5.08%

    • comparison rate*

      5.12%

    • upfront fees

      $600

    • Go to site
    Click for more info
    • ME Bank Standard Home Loan Variable
      • No monthly fees
      • Free redraw facility
      • Free extra repayments
    • variable rate

      5.38%

    • comparison rate*

      5.39%

    • upfront fees

      $350

    • 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
      • Extended offer, receive $2,014 EFTPOS gift card when you settle on your home loan. Conditions apply
      • Includes 0.25% p.a. upfront discount offer
      • No bank fees whatsoever
    • variable rate

      4.62%

    • comparison rate*

      4.62%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • IMB Introductory Variable Home Loan
      • Discounted interest rate for the first 12 months
      • Unrestricted additional repayments
      • Free internet and mobile banking redraws
    • variable rate

      4.66% variable for 12 months and then 5.31%

    • comparison rate*

      5.40%

    • upfront fees

      $769

    • Go to site
    Click for more info
    • iMortgage Essential Home Loan
      • $0 application, legal and valuation fees
      • No ongoing fees
      • Free redraw
    • variable rate

      4.69%

    • comparison rate*

      4.71%

    • upfront fees

      $150

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

      4.87%

    • comparison rate*

      5.00%

    • upfront fees

      $150

    • Go to site
    Click for more info
    • State Custodians Standard Variable Offset (LVR <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
    • Newcastle Permanent Premium Plus ($750k - $900k) (Package Home Loan)
      • $0 upfront fees
      • $0 application fee
      • 100% offset facility
    • variable rate

      4.87%

    • comparison rate*

      5.19%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • Bankwest Online Home Loan
      • Exclusive offer for online applications
      • Save $695 with $0 online application fee. Limited time only
      • No ongoing monthly loan maintenance fees
    • variable rate

      4.88%

    • comparison rate*

      4.89%

    • upfront fees

      $0

    • Go to site
      Advertisement
    Click for more info
    • IMB Budget Home Loan (LVR<90%)
      • Free extra repayments
      • Free redraw facility
      • Split account available
    • variable rate

      4.88%

    • comparison rate*

      5.05%

    • upfront fees

      $769

    • Go to site
    Click for more info
    • AMP Essential Home Loan
      • Free redraw available
      • No ongoing monthly fees
      • Free extra repayments
    • variable rate

      4.90%

    • comparison rate*

      4.92%

    • upfront fees

      $295

    • Go to site
    Click for more info
    • bankmecu goGreen Home Loan
      • No monthly fees
      • Free redraw available
      • 100% offset savings account available
    • variable rate

      4.94%

    • comparison rate*

      4.98%

    • upfront fees

      $595

    • 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

      $275

    • Go to site
    Click for more info
    • BCU Maximum Discounted Variable Rate
      • No annual fee
      • No monthly fees
      • Free extra repayments
    • variable rate

      5.08%

    • comparison rate*

      5.12%

    • upfront fees

      $600

    • Go to site
    Click for more info
    • ME Bank Standard Home Loan Variable
      • No monthly fees
      • Free redraw facility
      • Free extra repayments
    • variable rate

      5.38%

    • comparison rate*

      5.39%

    • upfront fees

      $350

    • 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.

    • IMB Fixed Home Loan Special (LVR<90%)
      • Free extra repayments up to 1 year in advance
      • Free internet and mobile banking redraws
      • Borrow up to 95% of the property value
    • fixed 1 year rate

      3.99%

    • fixed 3 year rate

      4.94%

    • comparison rate*

      5.35%

    • Go to site
    Click for more info
    • Greater Building Society Fixed Rate Home Loan (Ultimate Home Loan Package)
      • Free redraw facility
      • No monthly fees
      • Offset account available
    • fixed 1 year rate

      4.65%

    • fixed 3 year rate

      5.25%

    • comparison rate*

      5.35%

    • Go to site
    Click for more info
    • UBank UHomeLoan (Fixed)
      • Extended offer, receive $2,014 EFTPOS gift card when you settle on your home loan. Conditions apply
      • No ongoing fees
      • Apply online & get a decision in 30 minutes
    • fixed 1 year rate

      4.38%

    • fixed 3 year rate

      4.88%

    • comparison rate*

      4.83%

    • Go to site
    Click for more info
    • Newcastle Permanent Fixed Rate
      • No monthly fee
      • Borrow up to 95% of the property value
      • Free extra repayments
    • fixed 1 year rate

      4.39%

    • fixed 3 year rate

      4.99%

    • comparison rate*

      5.43%

    • Go to site
    Click for more info
    • HSBC Fixed Rate Loan
      • No monthly fees
      • Free extra repayments up to $10K p.a.
      • Dedicated relationship manager
    • fixed 1 year rate

      4.49%

    • fixed 3 year rate

      5.09%

    • comparison rate*

      5.77%

    • Go to site
    Click for more info
    • AMP Fixed Rate Loan (Basic Package)
      • No application fee
      • Split account available
      • Free extra repayments up to $10,000 p.a.
    • fixed 1 year rate

      4.79%

    • fixed 3 year rate

      4.99%

    • comparison rate*

      5.18%

    • Go to site
    Click for more info
    • iMortgage Fusion 90 (>50% fixed) (Fixed)
      • $0 upfront fees
      • $0 monthly fees
      • Unlimited free redraw
    • fixed 1 year rate

      4.79%

    • fixed 3 year rate

      5.19%

    • comparison rate*

      4.96%

    • Go to site
    Click for more info
    • BCU Fixed Rate
      • No monthly fees
      • No valuation fees
      • Extra payments allowed (fee applies)
    • fixed 1 year rate

      4.84%

    • fixed 3 year rate

      4.99%

    • comparison rate*

      5.60%

    • Go to site
    Click for more info
    • bankmecu Fixed Rate First Home Buyers Loan
      • No monthly fees
      • Free redraw
      • Additional repayments accepted
    • fixed 1 year rate

      4.85%

    • fixed 3 year rate

      5.09%

    • comparison rate*

      5.13%

    • Go to site
    Click for more info
    • CUA Fixed Rate Loan
      • No monthly account fees
      • Three agreed advance payments available
      • Free rate lock at approval
    • fixed 1 year rate

      4.89%

    • fixed 3 year rate

      4.89%

    • comparison rate*

      5.31%

    • Go to site
    Click for more info
    • ME Bank Standard Home Loan Fixed
      • $0 application fee
      • No monthly fees
      • Mobile Banker available
    • fixed 1 year rate

      4.94%

    • fixed 3 year rate

      4.84%

    • comparison rate*

      5.25%

    • Go to site
      Advertisement
    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
      • Extended offer, receive $2,014 EFTPOS gift card when you settle on your home loan. Conditions apply
      • Includes 0.25% p.a. upfront discount offer
      • No bank fees whatsoever
    • ongoing fees

      $0.00

    • variable rate

      4.62%

    • comparison rate*

      4.62%

    • Go to site
    Click for more info
    • iMortgage Essential Home Loan
      • $0 application, legal and valuation fees
      • No ongoing fees
      • Free redraw
    • ongoing fees

      $0.00

    • variable rate

      4.69%

    • comparison rate*

      4.71%

    • Go to site
    Click for more info
    • Bankwest Online Home Loan
      • Exclusive offer for online applications
      • Save $695 with $0 online application fee. Limited time only
      • No ongoing monthly loan maintenance fees
    • ongoing fees

      $0.00

    • variable rate

      4.88%

    • comparison rate*

      4.89%

    • Go to site
      Advertisement
    Click for more info
    • AMP Essential Home Loan
      • Free redraw available
      • No ongoing monthly fees
      • Free extra repayments
    • ongoing fees

      $0.00

    • variable rate

      4.90%

    • comparison rate*

      4.92%

    • Go to site
    Click for more info
    • bankmecu goGreen Home Loan
      • No monthly fees
      • Free redraw available
      • 100% offset savings account available
    • ongoing fees

      $0.00

    • variable rate

      4.94%

    • comparison rate*

      4.98%

    • Go to site
    Click for more info
    • BCU Maximum Discounted Variable Rate
      • No annual fee
      • 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
    • ME Bank Standard Home Loan Variable
      • No monthly fees
      • Free redraw facility
      • Free extra repayments
    • ongoing fees

      $0.00

    • variable rate

      5.38%

    • comparison rate*

      5.39%

    • 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
      • Extended offer, 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
    • IMB Introductory Variable Home Loan
      • Discounted interest rate for the first 12 months
      • Unrestricted additional repayments
      • Free internet and mobile banking redraws
    • variable rate

      4.66% variable for 12 months and then 5.31%

    • comparison rate*

      5.40%

    • upfront fees

      $769

    • Go to site
    Click for more info
    • iMortgage Essential Home Loan
      • $0 application, legal and valuation fees
      • No ongoing fees
      • Free redraw
    • variable rate

      4.69%

    • comparison rate*

      4.71%

    • upfront fees

      $150

    • Go to site
    Click for more info
    • State Custodians Standard Variable Offset (LVR <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
    • Bank of Queensland Clear Path Variable Rate Home Loan
      • No application fee
      • Free redraw
      • 100% mortgage offset facility
    • variable rate

      4.87%

    • comparison rate*

      5.00%

    • upfront fees

      $150

    • Go to site
    Click for more info
    • Newcastle Permanent Premium Plus ($750k - $900k) (Package Home Loan)
      • $0 upfront fees
      • $0 application fee
      • 100% offset facility
    • variable rate

      4.87%

    • comparison rate*

      5.19%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • Bankwest Online Home Loan
      • Exclusive offer for online applications
      • Save $695 with $0 online application fee. Limited time only
      • No ongoing monthly loan maintenance fees
    • variable rate

      4.88%

    • comparison rate*

      4.89%

    • upfront fees

      $0

    • Go to site
      Advertisement
    Click for more info
    • IMB Budget Home Loan (LVR<90%)
      • Free extra repayments
      • Free redraw facility
      • Split account available
    • variable rate

      4.88%

    • comparison rate*

      5.05%

    • upfront fees

      $769

    • Go to site
    Click for more info
    • AMP Essential Home Loan
      • Free redraw available
      • No ongoing monthly fees
      • Free extra repayments
    • variable rate

      4.90%

    • comparison rate*

      4.92%

    • upfront fees

      $295

    • Go to site
    Click for more info
    • bankmecu goGreen Home Loan
      • No monthly fees
      • Free redraw available
      • 100% offset savings account available
    • variable rate

      4.94%

    • comparison rate*

      4.98%

    • upfront fees

      $595

    • Go to site
    Click for more info
    • BCU Maximum Discounted Variable Rate
      • No annual fee
      • No monthly fees
      • Free extra repayments
    • variable rate

      5.08%

    • comparison rate*

      5.12%

    • upfront fees

      $600

    • Go to site
    Click for more info
    • ME Bank Standard Home Loan Variable
      • No monthly fees
      • Free redraw facility
      • Free extra repayments
    • variable rate

      5.38%

    • comparison rate*

      5.39%

    • upfront fees

      $350

    • 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.

Top 5 Lowest interest rate

- based on comparison rate
  1. 4.62%
    UBank
    UHomeLoan
  2. 4.71%
    iMortgage
  3. 4.75%
    HSBC
  1. 4.62%
    UBank
    UHomeLoan
  2. 4.66%
    loans.com.au
  3. 4.71%
    iMortgage
  1. 5.12%
    Westpac
  2. 5.20%
    Commonwealth Bank
  3. 5.22%
    ANZ
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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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