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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:

    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
      • State Custodians Breathe Easy Offset (LVR<80%)
        • Loyalty rate drop 0.25% p.a. after 5 years. Conditions apply
        • 100% offset account
        • No ongoing fees
      • variable rate

        4.84% variable for 60 months and then 4.59%

      • comparison rate*

        4.75%

      • upfront fees

        $682

      • 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
      • Newcastle Permanent Variable Home Loan (Premium Plus Package)
        • $0 upfront fees
        • $0 application fee
        • 100% offset facility
      • variable rate

        4.87%

      • comparison rate*

        5.21%

      • upfront fees

        $0

      • Go to site
      Click for more info
      • Greater Building Society 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
      • Commonwealth Bank No Fee Home Loan
        • No bank fees for the life of the loan
        • Free extra repayments
        • Free redraw facility
      • variable rate

        5.20%

      • comparison rate*

        5.20%

      • upfront fees

        $0

      • Go to site
      Click for more info
      • ME Bank Standard Home Loan
        • 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.

      • Newcastle Permanent Variable Home Loan (Premium Plus Package)
        • $0 upfront fees
        • $0 application fee
        • 100% offset facility
      • variable rate

        4.87%

      • comparison rate*

        5.21%

      • upfront fees

        $0

      • Go to site
      Click for more info
      • State Custodians Breathe Easy Offset (LVR<80%)
        • Loyalty rate drop 0.25% p.a. after 5 years. Conditions apply
        • 100% offset account
        • No ongoing fees
      • variable rate

        4.84% variable for 60 months and then 4.59%

      • comparison rate*

        4.75%

      • upfront fees

        $682

      • 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
      • Greater Building Society 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
      • Commonwealth Bank No Fee Home Loan
        • No bank fees for the life of the loan
        • Free extra repayments
        • Free redraw facility
      • variable rate

        5.20%

      • comparison rate*

        5.20%

      • upfront fees

        $0

      • Go to site
      Click for more info
      • ME Bank Standard Home Loan
        • 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.

      • 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*

        5.34%

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

        4.49%

      • fixed 3 year rate

        4.99%

      • comparison rate*

        5.43%

      • Go to site
      Click for more info
      • Queenslanders Credit Union Fixed Rate Home Loan Special
        • Unlimited extra repayments
        • Free internet and phone banking redraws
        • No monthly fees
      • fixed 1 year rate

        4.90%

      • fixed 3 year rate

        4.79%

      • comparison rate*

        5.02%

      • 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

        4.69%

      • comparison rate*

        5.21%

      • 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.

      • State Custodians Breathe Easy Offset (LVR<80%)
        • Loyalty rate drop 0.25% p.a. after 5 years. Conditions apply
        • 100% offset account
        • No ongoing fees
      • ongoing fees

        $0.00

      • variable rate

        4.84% variable for 60 months and then 4.59%

      • comparison rate*

        4.75%

      • 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
      • Commonwealth Bank No Fee Home Loan
        • No bank fees for the life of the loan
        • Free extra repayments
        • Free redraw facility
      • ongoing fees

        $0.00

      • variable rate

        5.20%

      • comparison rate*

        5.20%

      • Go to site
      Click for more info
      • ME Bank Standard Home Loan
        • 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.

      • Newcastle Permanent Variable Home Loan (Premium Plus Package)
        • $0 upfront fees
        • $0 application fee
        • 100% offset facility
      • variable rate

        4.87%

      • comparison rate*

        5.21%

      • upfront fees

        $0

      • Go to site
      Click for more info
      • State Custodians Breathe Easy Offset (LVR<80%)
        • Loyalty rate drop 0.25% p.a. after 5 years. Conditions apply
        • 100% offset account
        • No ongoing fees
      • variable rate

        4.84% variable for 60 months and then 4.59%

      • comparison rate*

        4.75%

      • upfront fees

        $682

      • 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
      • Commonwealth Bank No Fee Home Loan
        • No bank fees for the life of the loan
        • Free extra repayments
        • Free redraw facility
      • variable rate

        5.20%

      • comparison rate*

        5.20%

      • upfront fees

        $0

      • Go to site
      Click for more info
      • ME Bank Standard Home Loan
        • 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. 4.75%
      HSBC
    2. 4.75%
      State Custodians
    3. 4.85%
      State Custodians
    4. 4.89%
      Bankwest
    5. 5.05%
      State Custodians
    1. 4.62%
      UBank
    2. 4.62%
      UBank
      UHomeLoan
    3. 4.66%
      loans.com.au
    4. 4.69%
      bankmecu
    1. 5.12%
      Westpac
    2. 5.18%
      ANZ
    3. 5.20%
      Commonwealth Bank
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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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