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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.

    • Mortgage House Advantage Home Loan 80 Special
      • Super low 3.95% variable interest rate
      • LVR up to 80%
      • Free 100% Offset Account
    • variable rate

      3.95%

    • comparison rate*

      3.99%

    • upfront fees

      $500

    • Go to site
    Click for more info
    • UBank UHomeLoan - Spring Offer (Owner Occupier, Principal & Interest)
      • Experts Choice Winner - Best Value Variable Home Loan
      • No monthly fees
      • Quick, easy & secure online application
    • variable rate

      3.99%

    • comparison rate*

      3.99%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • MyState Special Residential Home Loan Offer (LVR<80%, Owner Occupier)
      • Our lowest ever rate
      • No establishment or monthly account keeping fees
      • Limited time only
    • variable rate

      3.99%

    • comparison rate*

      4.02%

    • upfront fees

      $350

    • Go to site
    Click for more info
    • The Rock Building Society Essentials Home Loan Special (LVR<80%, Owner Occupier)
      • Our lowest ever rate
      • No establishment or monthly account keeping fees
      • Limited time only
    • variable rate

      3.99%

    • comparison rate*

      4.02%

    • upfront fees

      $350

    • Go to site
    Click for more info
    • HSBC Home Value Loan (Owner Occupier)
      • Owner occupier only
      • Available to new borrowings to HSBC of $50,000 or more
      • Apply by 16 October 2015
    • variable rate

      3.99%

    • comparison rate*

      4.05%

    • upfront fees

      $853

    • Go to site
    Click for more info
    • State Custodians Peak Performance Offset (over $500k, LVR<80%)
      • Experts Choice Winner - Best Value Full Feature Home Loan
      • Special discounted rate for larger loans. 100% offset account
      • Owner occupied and investment
    • variable rate

      3.99%

    • comparison rate*

      4.32%

    • upfront fees

      $275

    • Go to site
    Click for more info
    • Newcastle Permanent Discounted Variable Home Loan (LVR<90%, Owner Occupier) (Premium Plus Package)
      • Switch your home loan and get $2,000 cashback
      • $0 application fee. 100% offset facility available
      • Additional repayments and redraws at any time
    • variable rate

      3.99%

    • comparison rate*

      4.35%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • Greater Building Society Great Rate Home Loan (Owner Occupier, LVR<80%, over $150k)
      • No establishment fee
      • No ongoing fee
      • Free internet redraw facility
    • variable rate

      4.09%

    • comparison rate*

      4.09%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • Click Loans The Online Home Loan
      • Same day approval
      • Complete application and verify ID online
      • No application fee and no ongoing fees
    • variable rate

      4.09%

    • comparison rate*

      4.12%

    • upfront fees

      $440

    • Go to site
    Click for more info
    • State Custodians Standard Variable (LVR<80%)
      • 100% offset account
      • Unlimited extra repayments and free redraw
      • Owner occupied and investment
    • variable rate

      4.09%

    • comparison rate*

      4.42%

    • upfront fees

      $275

    • Go to site
    Click for more info
    • Bankwest Super Start Home Loan (Owner Occupier)
      • Low 3 year intro rate of 4.09%p.a. (5.02%p.a comparison rate)
      • 1.38% p.a discount off standard variable rate for 3 years for owner occupiers
      • Save with $0 loan maintenance fee
    • variable rate

      4.09% variable for 36 months and then 5.35%

    • comparison rate*

      5.02%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • Bank Australia Basic Home Loan (Owner Occupier)
      • No upfront or monthly fees
      • Redraw available
      • Option to fix full loan or split between fixed and variable
    • variable rate

      4.10%

    • comparison rate*

      4.11%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • CUA Fresh Start Basic Variable Home Loan (Owner Occupier)
      • Low interest rate
      • No application fee
      • Free redraw facility for easy access to additional payments
    • variable rate

      4.13%

    • comparison rate*

      4.19%

    • upfront fees

      $795

    • Go to site
    Click for more info
    • NAB Base Variable Rate Home Loan (Principal & Interest)
      • $0 upfront fees
      • No annual or monthly fees
      • Free extra repayments and redraw facility
    • variable rate

      4.15%

    • comparison rate*

      4.15%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • IMB Bank Essentials Home Loan (LVR<80%, Owner Occupier)
      • Experts Choice Winner - Best Value Full Feature Home Loan
      • 100% offset account
      • No monthly, annual or establishment fees
    • variable rate

      4.17%

    • comparison rate*

      4.17%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • CUA Fresh Start Variable Home Loan (Owner Occupier)
      • Low interest rate
      • No ongoing fees
      • Free redraw facility for easy access to additional payments
    • variable rate

      4.18%

    • comparison rate*

      4.20%

    • upfront fees

      $195

    • Go to site
    Click for more info
    • Hunter United Credit Union Platinum Home Loan
      • Apply before 31 Dec 2015 and go in the draw for a 1 in 500 chance to win $500,000
      • 100% interest offset daily
      • Flexible loan terms
    • variable rate

      4.20%

    • comparison rate*

      4.32%

    • upfront fees

      $1,055

    • Go to site
    Click for more info
    • Greater Building Society Discount Ultimate Home Loan (LVR<80%, over $150K, Owner Occupier) (Package)
      • No establishment fee
      • 100% offset account
      • Free internet redraw facility
    • variable rate

      4.24%

    • comparison rate*

      4.61%

    • upfront fees

      $275

    • Go to site
    Click for more info
    • ME Basic Home Loan (Owner Occupier)
      • Owner occupier only
      • Take out a new owner occupier home loan over $400k and receive $1,250 cash back!
      • Apply before 2nd October 2015 and settle before 31st December 2015.
    • variable rate

      4.29%

    • comparison rate*

      4.30%

    • upfront fees

      $350

    • Go to site
    Click for more info
    • Illawarra Credit Union Premium Home Loan (Owner Occupier) (Package)
      • For new home loans over $250k only
      • No annual or ongoing fees
      • 100% Offset Account available with no transaction or account keeping fees
    • variable rate

      4.35%

    • comparison rate*

      4.39%

    • upfront fees

      $600

    • Go to site
    Click for more info
    • IMB Bank Accelerator Home Loan (Owner Occupier)
      • Ongoing life of loan discount off the IMB Standard Variable interest rate, with a special discount rate for the first 2 years.
      • 100% offset account
      • No monthly account keeping fees
    • variable rate

      4.39% variable for 24 months and then 4.71%

    • comparison rate*

      4.70%

    • upfront fees

      $769

    • 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.

    • Mortgage House Advantage Home Loan 80 Special
      • Super low 3.95% variable interest rate
      • LVR up to 80%
      • Free 100% Offset Account
    • variable rate

      3.95%

    • comparison rate*

      3.99%

    • upfront fees

      $500

    • Go to site
    Click for more info
    • UBank UHomeLoan - Spring Offer (Owner Occupier, Principal & Interest)
      • Experts Choice Winner - Best Value Variable Home Loan
      • No monthly fees
      • Quick, easy & secure online application
    • variable rate

      3.99%

    • comparison rate*

      3.99%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • MyState Special Residential Home Loan Offer (LVR<80%, Owner Occupier)
      • Our lowest ever rate
      • No establishment or monthly account keeping fees
      • Limited time only
    • variable rate

      3.99%

    • comparison rate*

      4.02%

    • upfront fees

      $350

    • Go to site
    Click for more info
    • The Rock Building Society Essentials Home Loan Special (LVR<80%, Owner Occupier)
      • Our lowest ever rate
      • No establishment or monthly account keeping fees
      • Limited time only
    • variable rate

      3.99%

    • comparison rate*

      4.02%

    • upfront fees

      $350

    • Go to site
    Click for more info
    • HSBC Home Value Loan (Owner Occupier)
      • Owner occupier only
      • Available to new borrowings to HSBC of $50,000 or more
      • Apply by 16 October 2015
    • variable rate

      3.99%

    • comparison rate*

      4.05%

    • upfront fees

      $853

    • Go to site
    Click for more info
    • State Custodians Peak Performance Offset (over $500k, LVR<80%)
      • Experts Choice Winner - Best Value Full Feature Home Loan
      • Special discounted rate for larger loans. 100% offset account
      • Owner occupied and investment
    • variable rate

      3.99%

    • comparison rate*

      4.32%

    • upfront fees

      $275

    • Go to site
    Click for more info
    • Newcastle Permanent Discounted Variable Home Loan (LVR<90%, Owner Occupier) (Premium Plus Package)
      • Switch your home loan and get $2,000 cashback
      • $0 application fee. 100% offset facility available
      • Additional repayments and redraws at any time
    • variable rate

      3.99%

    • comparison rate*

      4.35%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • Greater Building Society Great Rate Home Loan (Owner Occupier, LVR<80%, over $150k)
      • No establishment fee
      • No ongoing fee
      • Free internet redraw facility
    • variable rate

      4.09%

    • comparison rate*

      4.09%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • Click Loans The Online Home Loan
      • Same day approval
      • Complete application and verify ID online
      • No application fee and no ongoing fees
    • variable rate

      4.09%

    • comparison rate*

      4.12%

    • upfront fees

      $440

    • Go to site
    Click for more info
    • State Custodians Standard Variable (LVR<80%)
      • 100% offset account
      • Unlimited extra repayments and free redraw
      • Owner occupied and investment
    • variable rate

      4.09%

    • comparison rate*

      4.42%

    • upfront fees

      $275

    • Go to site
    Click for more info
    • Bankwest Super Start Home Loan (Owner Occupier)
      • Low 3 year intro rate of 4.09%p.a. (5.02%p.a comparison rate)
      • 1.38% p.a discount off standard variable rate for 3 years for owner occupiers
      • Save with $0 loan maintenance fee
    • variable rate

      4.09% variable for 36 months and then 5.35%

    • comparison rate*

      5.02%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • Bank Australia Basic Home Loan (Owner Occupier)
      • No upfront or monthly fees
      • Redraw available
      • Option to fix full loan or split between fixed and variable
    • variable rate

      4.10%

    • comparison rate*

      4.11%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • CUA Fresh Start Basic Variable Home Loan (Owner Occupier)
      • Low interest rate
      • No application fee
      • Free redraw facility for easy access to additional payments
    • variable rate

      4.13%

    • comparison rate*

      4.19%

    • upfront fees

      $795

    • Go to site
    Click for more info
    • IMB Bank Essentials Home Loan (LVR<80%, Owner Occupier)
      • Experts Choice Winner - Best Value Full Feature Home Loan
      • 100% offset account
      • No monthly, annual or establishment fees
    • variable rate

      4.17%

    • comparison rate*

      4.17%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • CUA Fresh Start Variable Home Loan (Owner Occupier)
      • Low interest rate
      • No ongoing fees
      • Free redraw facility for easy access to additional payments
    • variable rate

      4.18%

    • comparison rate*

      4.20%

    • upfront fees

      $195

    • Go to site
    Click for more info
    • NAB Base Variable Rate Home Loan (Principal & Interest)
      • $0 upfront fees
      • No annual or monthly fees
      • Free extra repayments and redraw facility
    • variable rate

      4.15%

    • comparison rate*

      4.15%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • Hunter United Credit Union Platinum Home Loan
      • Apply before 31 Dec 2015 and go in the draw for a 1 in 500 chance to win $500,000
      • 100% interest offset daily
      • Flexible loan terms
    • variable rate

      4.20%

    • comparison rate*

      4.32%

    • upfront fees

      $1,055

    • Go to site
    Click for more info
    • Greater Building Society Discount Ultimate Home Loan (LVR<80%, over $150K, Owner Occupier) (Package)
      • No establishment fee
      • 100% offset account
      • Free internet redraw facility
    • variable rate

      4.24%

    • comparison rate*

      4.61%

    • upfront fees

      $275

    • Go to site
    Click for more info
    • ME Basic Home Loan (Owner Occupier)
      • Owner occupier only
      • Take out a new owner occupier home loan over $400k and receive $1,250 cash back!
      • Apply before 2nd October 2015 and settle before 31st December 2015.
    • variable rate

      4.29%

    • comparison rate*

      4.30%

    • upfront fees

      $350

    • Go to site
    Click for more info
    • Illawarra Credit Union Premium Home Loan (Owner Occupier) (Package)
      • For new home loans over $250k only
      • No annual or ongoing fees
      • 100% Offset Account available with no transaction or account keeping fees
    • variable rate

      4.35%

    • comparison rate*

      4.39%

    • upfront fees

      $600

    • Go to site
    Click for more info
    • IMB Bank Accelerator Home Loan (Owner Occupier)
      • Ongoing life of loan discount off the IMB Standard Variable interest rate, with a special discount rate for the first 2 years.
      • 100% offset account
      • No monthly account keeping fees
    • variable rate

      4.39% variable for 24 months and then 4.71%

    • comparison rate*

      4.70%

    • upfront fees

      $769

    • 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.

    • Illawarra Credit Union Fixed Rate (Owner Occupier)
      • 100% Offset Account
      • No transaction or account keeping fees
      • Flexible repayment options
    • interest rate

      3.50%
      fixed 1 year

    • comparison rate*

      5.21%

    • upfront fees

      $600

    • Go to site
    Click for more info
    • Greater Building Society Discount Ultimate Home Loan (LVR<80%, over $150k, Owner Occupier) (Fixed, Package)
      • Experts Choice Winner - Best Value Fixed Home Loan
      • Free redraw facility. No monthly fees
      • $0 application fee
    • interest rate

      3.69%
      fixed 1 year

    • comparison rate*

      4.73%

    • upfront fees

      $275

    • Go to site
    Click for more info
    • Newcastle Permanent Fixed Rate Home Loan (Owner Occupier)
      • Free extra repayments up to $25k p.a.
      • Borrow up to 95% of the property value
      • No ongoing account fees
    • interest rate

      3.79%
      fixed 2 years

    • comparison rate*

      4.89%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • Illawarra Credit Union Premium Home Loan (Owner Occupier) (Fixed, Package)
      • Redraw facilities
      • No transaction or account keeping fees
      • Flexible repayment options
    • interest rate

      3.85%
      fixed 2 years

    • comparison rate*

      4.30%

    • upfront fees

      $600

    • Go to site
    Click for more info
    • Greater Building Society Discount Ultimate Home Loan (LVR<80%, over $150k, Owner Occupier) (Fixed, Package)
      • Experts Choice Winner - Best Value Fixed Home Loan
      • Free redraw facility. No monthly fees
      • $0 application fee
    • interest rate

      3.89%
      fixed 3 years

    • comparison rate*

      4.66%

    • upfront fees

      $275

    • Go to site
    Click for more info
    • Newcastle Permanent Fixed Rate Home Loan (Owner Occupier)
      • Free extra repayments up to $25k p.a.
      • Borrow up to 95% of the property value
      • No ongoing account fees
    • interest rate

      3.99%
      fixed 3 years

    • comparison rate*

      4.84%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • UBank UHomeLoan (Owner Occupier, Principal & Interest) (Fixed)
      • Experts Choice Winner - Best Value Fixed Home Loan
      • Apply online and get a decision in just 30 minutes
      • Make additional repayments (fee applies)
    • interest rate

      4.18%
      fixed 3 years

    • comparison rate*

      4.31%

    • upfront fees

      $395

    • Go to site
    Click for more info
    • ME Flexible Home Loan (Fixed, Owner Occupier)
      • Owner occupier only
      • Take out a new owner occupier home loan over $400k and receive $1,250 cash back!
      • Apply before the 2nd of October and settle before the 31st of December 2015.
    • interest rate

      4.19%
      fixed 3 years

    • comparison rate*

      4.71%

    • upfront fees

      $350

    • Go to site
    Click for more info
    • IMB Bank Fixed Home Loan (LVR<90%, Owner Occupier)
      • Free extra repayments up to 1 year in advance
      • Free internet and mobile banking redraws
      • Borrow up to 90% of the property value
    • interest rate

      4.24%
      fixed 3 years

    • comparison rate*

      4.83%

    • upfront fees

      $769

    • Go to site
    Click for more info
    • CUA Fixed Rate Loan (Owner Occupier)
      • Competitive rate
      • No monthly account keeping fees
      • Interest only repayment options
    • interest rate

      4.25%
      fixed 3 years

    • comparison rate*

      4.80%

    • upfront fees

      $795

    • Go to site
    Click for more info
    • Mortgage House Advantage Home Loan (Fixed, Owner Occupier)
      • No monthly and no annual fees for life
      • 100% FREE offset account
      • Lowest comparison rate
    • interest rate

      4.39%
      fixed 3 years

    • comparison rate*

      4.45%

    • upfront fees

      $800

    • Go to site
    Click for more info
    • NAB Tailored Home Loan (Fixed, Choice Package)
      • No upfront fees
      • Make free extra repayments up to $20K in the fixed period
      • Repayment holidays available
    • interest rate

      4.39%
      fixed 3 years

    • comparison rate*

      5.10%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • Bank Australia Basic Home Loan (Fixed)
      • No monthly fees
      • Free redraw
      • Repayment pause available
    • interest rate

      4.44%
      fixed 1 year

    • comparison rate*

      4.58%

    • upfront fees

      $595

    • Go to site
    Click for more info
    • Mortgage House Advantage Home Loan (Fixed, Owner Occupier)
      • No monthly and no annual fees for life
      • 100% FREE offset account
      • Lowest comparison rate
    • interest rate

      4.79%
      fixed 5 years

    • comparison rate*

      4.85%

    • upfront fees

      $800

    • 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 Home Value Loan (Owner Occupier)
      • Owner occupier only
      • Available to new borrowings to HSBC of $50,000 or more
      • Apply by 16 October 2015
    • variable rate

      3.99%

    • comparison rate*

      4.05%

    • upfront fees

      $853

    • Go to site
    Click for more info
    • Bankwest Super Start Home Loan (Owner Occupier)
      • Low 3 year intro rate of 4.09%p.a. (5.02%p.a comparison rate)
      • 1.38% p.a discount off standard variable rate for 3 years for owner occupiers
      • Save with $0 loan maintenance fee
    • variable rate

      4.09% variable for 36 months and then 5.35%

    • comparison rate*

      5.02%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • NAB Base Variable Rate Home Loan (Principal & Interest)
      • $0 upfront fees
      • No annual or monthly fees
      • Free extra repayments and redraw facility
    • variable rate

      4.15%

    • comparison rate*

      4.15%

    • upfront fees

      $0

    • 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.

    • MyState Special Residential Home Loan Offer (LVR<80%, Owner Occupier)
      • Our lowest ever rate
      • No establishment or monthly account keeping fees
      • Limited time only
    • variable rate

      3.99%

    • comparison rate*

      4.02%

    • upfront fees

      $350

    • Go to site
    Click for more info
    • UBank UHomeLoan - Spring Offer (Owner Occupier, Principal & Interest)
      • Experts Choice Winner - Best Value Variable Home Loan
      • No monthly fees
      • Quick, easy & secure online application
    • variable rate

      3.99%

    • comparison rate*

      3.99%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • The Rock Building Society Essentials Home Loan Special (LVR<80%, Owner Occupier)
      • Our lowest ever rate
      • No establishment or monthly account keeping fees
      • Limited time only
    • variable rate

      3.99%

    • comparison rate*

      4.02%

    • upfront fees

      $350

    • Go to site
    Click for more info
    • HSBC Home Value Loan (Owner Occupier)
      • Owner occupier only
      • Available to new borrowings to HSBC of $50,000 or more
      • Apply by 16 October 2015
    • variable rate

      3.99%

    • comparison rate*

      4.05%

    • upfront fees

      $853

    • Go to site
    Click for more info
    • State Custodians Peak Performance Offset (over $500k, LVR<80%)
      • Experts Choice Winner - Best Value Full Feature Home Loan
      • Special discounted rate for larger loans. 100% offset account
      • Owner occupied and investment
    • variable rate

      3.99%

    • comparison rate*

      4.32%

    • upfront fees

      $275

    • Go to site
    Click for more info
    • Newcastle Permanent Discounted Variable Home Loan (LVR<90%, Owner Occupier) (Premium Plus Package)
      • Switch your home loan and get $2,000 cashback
      • $0 application fee. 100% offset facility available
      • Additional repayments and redraws at any time
    • variable rate

      3.99%

    • comparison rate*

      4.35%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • Click Loans The Online Home Loan
      • Same day approval
      • Complete application and verify ID online
      • No application fee and no ongoing fees
    • variable rate

      4.09%

    • comparison rate*

      4.12%

    • upfront fees

      $440

    • Go to site
    Click for more info
    • Bankwest Super Start Home Loan (Owner Occupier)
      • Low 3 year intro rate of 4.09%p.a. (5.02%p.a comparison rate)
      • 1.38% p.a discount off standard variable rate for 3 years for owner occupiers
      • Save with $0 loan maintenance fee
    • variable rate

      4.09% variable for 36 months and then 5.35%

    • comparison rate*

      5.02%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • NAB Base Variable Rate Home Loan (Principal & Interest)
      • $0 upfront fees
      • No annual or monthly fees
      • Free extra repayments and redraw facility
    • variable rate

      4.15%

    • comparison rate*

      4.15%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • ME Basic Home Loan (Owner Occupier)
      • Owner occupier only
      • Take out a new owner occupier home loan over $400k and receive $1,250 cash back!
      • Apply before 2nd October 2015 and settle before 31st December 2015.
    • variable rate

      4.29%

    • comparison rate*

      4.30%

    • upfront fees

      $350

    • Go to site
    Click for more info
    • Illawarra Credit Union Premium Home Loan (Owner Occupier) (Package)
      • For new home loans over $250k only
      • No annual or ongoing fees
      • 100% Offset Account available with no transaction or account keeping fees
    • variable rate

      4.35%

    • comparison rate*

      4.39%

    • upfront fees

      $600

    • Go to site
    Click for more info
    • IMB Bank Accelerator Home Loan (Owner Occupier)
      • Ongoing life of loan discount off the IMB Standard Variable interest rate, with a special discount rate for the first 2 years.
      • 100% offset account
      • No monthly account keeping fees
    • variable rate

      4.39% variable for 24 months and then 4.71%

    • comparison rate*

      4.70%

    • upfront fees

      $769

    • 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.

    • Mortgage House Advantage Home Loan 80 Special
      • Super low 3.95% variable interest rate
      • LVR up to 80%
      • Free 100% Offset Account
    • variable rate

      3.95%

    • comparison rate*

      3.99%

    • upfront fees

      $500

    • Go to site
    Click for more info
    • Newcastle Permanent Discounted Variable Home Loan (LVR<90%, Owner Occupier) (Premium Plus Package)
      • Switch your home loan and get $2,000 cashback
      • $0 application fee. 100% offset facility available
      • Additional repayments and redraws at any time
    • variable rate

      3.99%

    • comparison rate*

      4.35%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • State Custodians Standard Variable (LVR<80%)
      • 100% offset account
      • Unlimited extra repayments and free redraw
      • Owner occupied and investment
    • variable rate

      4.09%

    • comparison rate*

      4.42%

    • upfront fees

      $275

    • Go to site
    Click for more info
    • Hunter United Credit Union Platinum Home Loan
      • Apply before 31 Dec 2015 and go in the draw for a 1 in 500 chance to win $500,000
      • 100% interest offset daily
      • Flexible loan terms
    • variable rate

      4.20%

    • comparison rate*

      4.32%

    • upfront fees

      $1,055

    • Go to site
    Click for more info
    • State Custodians Breathe Easy (LVR<80%)
      • Owner Occupied or Investment
      • P&I; or Interest Only up to 10 years
      • Free 100% Offset Account
    • variable rate

      4.22%

    • comparison rate*

      4.25%

    • upfront fees

      $275

    • Go to site
    Click for more info
    • Greater Building Society Discount Ultimate Home Loan (LVR<80%, over $150K, Owner Occupier) (Package)
      • No establishment fee
      • 100% offset account
      • Free internet redraw facility
    • variable rate

      4.24%

    • comparison rate*

      4.61%

    • upfront fees

      $275

    • Go to site
    Click for more info
    • Illawarra Credit Union Premium Home Loan (Owner Occupier) (Package)
      • For new home loans over $250k only
      • No annual or ongoing fees
      • 100% Offset Account available with no transaction or account keeping fees
    • variable rate

      4.35%

    • comparison rate*

      4.39%

    • upfront fees

      $600

    • Go to site
    Click for more info
    • IMB Bank Accelerator Home Loan (Owner Occupier)
      • Ongoing life of loan discount off the IMB Standard Variable interest rate, with a special discount rate for the first 2 years.
      • 100% offset account
      • No monthly account keeping fees
    • variable rate

      4.39% variable for 24 months and then 4.71%

    • comparison rate*

      4.70%

    • upfront fees

      $769

    • 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.

    • MyState Special Residential Home Loan Offer (LVR<80%, Owner Occupier)
      • Our lowest ever rate
      • No establishment or monthly account keeping fees
      • Limited time only
    • variable rate

      3.99%

    • comparison rate*

      4.02%

    • upfront fees

      $350

    • Go to site
    Click for more info
    • The Rock Building Society Essentials Home Loan Special (LVR<80%, Owner Occupier)
      • Our lowest ever rate
      • No establishment or monthly account keeping fees
      • Limited time only
    • variable rate

      3.99%

    • comparison rate*

      4.02%

    • upfront fees

      $350

    • Go to site
    Click for more info
    • Bank Australia Basic Home Loan (Owner Occupier)
      • No upfront or monthly fees
      • Redraw available
      • Option to fix full loan or split between fixed and variable
    • variable rate

      4.10%

    • comparison rate*

      4.11%

    • upfront fees

      $0

    • 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 Discounted Variable Home Loan (LVR<90%, Owner Occupier) (Premium Plus Package)
      • Switch your home loan and get $2,000 cashback
      • $0 application fee. 100% offset facility available
      • Additional repayments and redraws at any time
    • variable rate

      3.99%

    • comparison rate*

      4.35%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • Bank Australia Basic Home Loan (Owner Occupier)
      • No upfront or monthly fees
      • Redraw available
      • Option to fix full loan or split between fixed and variable
    • variable rate

      4.10%

    • comparison rate*

      4.11%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • IMB Bank Accelerator Home Loan (Owner Occupier)
      • Ongoing life of loan discount off the IMB Standard Variable interest rate, with a special discount rate for the first 2 years.
      • 100% offset account
      • No monthly account keeping fees
    • variable rate

      4.39% variable for 24 months and then 4.71%

    • comparison rate*

      4.70%

    • upfront fees

      $769

    • 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.

    • State Custodians Peak Performance Offset (over $500k, LVR<80%)
      • Experts Choice Winner - Best Value Full Feature Home Loan
      • Special discounted rate for larger loans. 100% offset account
      • Owner occupied and investment
    • variable rate

      3.99%

    • comparison rate*

      4.32%

    • upfront fees

      $275

    • Go to site
    Click for more info
    • Click Loans The Online Home Loan
      • Same day approval
      • Complete application and verify ID online
      • No application fee and no ongoing fees
    • variable rate

      4.09%

    • comparison rate*

      4.12%

    • upfront fees

      $440

    • Go to site
    Click for more info
    • NAB Base Variable Rate Home Loan (Principal & Interest)
      • $0 upfront fees
      • No annual or monthly fees
      • Free extra repayments and redraw facility
    • variable rate

      4.15%

    • comparison rate*

      4.15%

    • upfront fees

      $0

    • Go to site
    Click for more info
    • Hunter United Credit Union Platinum Home Loan
      • Apply before 31 Dec 2015 and go in the draw for a 1 in 500 chance to win $500,000
      • 100% interest offset daily
      • Flexible loan terms
    • variable rate

      4.20%

    • comparison rate*

      4.32%

    • upfront fees

      $1,055

    • Go to site
    Click for more info
    • State Custodians Breathe Easy (LVR<80%)
      • Owner Occupied or Investment
      • P&I; or Interest Only up to 10 years
      • Free 100% Offset Account
    • variable rate

      4.22%

    • comparison rate*

      4.25%

    • upfront fees

      $275

    • Go to site
    Click for more info
    • IMB Bank Variable Home Loan (LVR<80%, Investment) (Platinum Package)
      • 100% offset account
      • No application fee
      • 10% discount for the first year on Home and Contents Insurance and Landlord's Insurance policy premiums
    • variable rate

      4.46%

    • comparison rate*

      4.86%

    • upfront fees

      $324

    • Go to site
    Click for more info
    • Bank Australia Basic Home Loan (Investment)
      • No monthly fees
      • Redraw facility available
      • Free extra repayments
    • variable rate

      4.59%

    • comparison rate*

      4.63%

    • upfront fees

      $595

    • 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. Go to site
     
    3.99%
    UBank
    – UHomeLoan - Spring Offer (Owner Occupier, Principal & Interest)
  2. Go to site
     
    3.99%
    Mozo
    – Mystery Bank Deal
  3. Go to site
     
    4.02%
    MyState
    – Special Residential Home Loan Offer (LVR<80%, Owner Occupier)
  4. Go to site
     
    4.02%
    The Rock Building Society
    – Essentials Home Loan Special (LVR<80%, Owner Occupier)
  5. Go to site
     
    4.05%
    HSBC
    – Home Value Loan (Owner Occupier)
  1. 3.89%
    Mortgage House
    – Pure & Simple ULTRA Variable Home Loan (Owner Occupier)
  2. 3.94%
    Homestar
    – Basic Refinance Loan (Principal & Interest, Owner Occupier)
  3. 3.94%
    Homestar
    – Refinance Saver Loan (Up to $500k, LVR<85%)
  4. Go to site
     
    3.99%
    UBank
    – UHomeLoan - Spring Offer (Owner Occupier, Principal & Interest)
  5. Go to site
     
    3.99%
    Mozo
    – Mystery Bank Deal
  1. Go to site
     
    4.15%
    NAB
    – Base Variable Rate Home Loan (Principal & Interest)
  2. 4.20%
    Westpac
    – Flexi First Option Home Loan
  3. 4.63%
    ANZ
    – Simplicity PLUS (Owner Occupier)
  4. 4.75%
    Commonwealth Bank
    – No Fee Home Loan (Owner Occupier)
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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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