Home loan reviews

Read the latest home loan reviews from the Mozo community. Thousands of Australians have reviewed their mortgage provider to give you the inside story on everything from sneaky fees to customer service.

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Recent home loan reviews

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Commonwealth Bank

Commonwealth Bank Standard Variable Rate (Owner Occupier) home loan review

Overall rating   7 / 10

Great service at the branches

I have had limited interaction with the bank as I do everything online and the initial loan was set up through a broker.
Full review

I have had limited interaction with the bank as I do everything online and the initial loan was set up through a broker.

    Price   6 / 10

    Features   4 / 10

    Customer service   6 / 10

    Convenience   9 / 10

    Trust   7 / 10

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Rochelle (WA), reviewed 4 days ago

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Bank of Queensland

Bank of Queensland home loan review

Overall rating   9 / 10

Great staff. Great rates.

Bank of Queensland have been extremely helpful. In the time we have had our home loan. They are always very courteous and prompt. The staff never make you feel as if you are asking silly questions, even if you are!
Full review

Bank of Queensland have been extremely helpful. In the time we have had our home loan. They are always very courteous and prompt. The staff never make you feel as if you are asking silly questions, even if you are!

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

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Kin (QLD), reviewed 4 days ago

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Bank of Queensland

Bank of Queensland Standard Variable Rate (Owner Occupier) home loan review

Overall rating   9 / 10

Great fees, service, and interest rates

Love the one on one and always passes on the lower interest rates
Full review

Love the one on one and always passes on the lower interest rates

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Jo (QLD), reviewed 4 days ago

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CUA

CUA Basic Variable Rate Loan (Owner Occupier) home loan review

Overall rating   8 / 10

Great home loan rates and friendly service

Cua have always been either better or on par with other basic variable rates and we have never had a problem with them. They are always friendly in their branches and having the Redi ATMs as part of their service, it makes it easy to find an ATM...
Full review

Cua have always been either better or on par with other basic variable rates and we have never had a problem with them. They are always friendly in their branches and having the Redi ATMs as part of their service, it makes it easy to find an ATM that won't charge a fee. My only negative is that you have to go into a branch to chase up a better deal. They have a cheaper rate at the moment that I wouldn't have known about if I didn't go into the branch. Maybe I could have been notified about it by an email at the very least. Also depositing in an ATM would be helpful too.

    Price   8 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Terry (QLD), reviewed 4 days ago

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Westpac

Westpac home loan review

Overall rating   6 / 10

Service

I find the staff friendly and helpful
Full review

I find the staff friendly and helpful

    Price   6 / 10

    Features   5 / 10

    Customer service   6 / 10

    Convenience   7 / 10

    Trust   7 / 10

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Peter (SA), reviewed 4 days ago

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Commonwealth Bank

Commonwealth Bank Standard Variable Rate (Owner Occupier) home loan review

Overall rating   7 / 10

Great customer service and welcoming stores

Passing on interest rate cuts and are generally good to deal with.
Full review

Passing on interest rate cuts and are generally good to deal with.

    Price   4 / 10

    Features   6 / 10

    Customer service   5 / 10

    Convenience   6 / 10

    Trust   8 / 10

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Dan (NSW), reviewed 4 days ago

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ME

ME Basic Home Loan (Owner Occupier, LVR<80%) home loan review

Overall rating   8 / 10

Great customer service, a very good online service

Best of a bad lot- have always been happy, need branches though
Full review

Best of a bad lot- have always been happy, need branches though

    Price   8 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   10 / 10

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Paul (VIC), reviewed 4 days ago

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Bankwest

Bankwest Complete Variable Home Loan (LVR<80% $200k-$1.5m, Owner Occupier) (Package) home loan review

Overall rating   7 / 10

Bankwest in sickness and in health

Although a nightmare when first getting home loan. However when illness took over not long into getting the loan they worked over backwards to help me. Loan rate offered is much higher than other banks though.
Full review

Although a nightmare when first getting home loan. However when illness took over not long into getting the loan they worked over backwards to help me. Loan rate offered is much higher than other banks though.

    Price   3 / 10

    Features   6 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   6 / 10

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Anne marie (VIC), reviewed 4 days ago

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Macquarie

Macquarie Offset Home Loan (LVR<90% under $750k, Principal & Interest, Owner Occupier) (Package) home loan review

Overall rating   7 / 10

Good customer service

Great home loan but I hate not having a branch here in Queensland.
Full review

Great home loan but I hate not having a branch here in Queensland.

    Price   5 / 10

    Features   3 / 10

    Customer service   8 / 10

    Convenience   0 / 10

    Trust   7 / 10

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Kirsty (QLD), reviewed 4 days ago

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St.George

St.George Portfolio Loan (Advantage Package) home loan review

Overall rating   8 / 10

Great customer service

Have been with St. George for years, and I find that they are very helpful. I ring them often to talk about interest rates and they give me pretty good rates
Full review

Have been with St. George for years, and I find that they are very helpful. I ring them often to talk about interest rates and they give me pretty good rates

    Price   6 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Helen (NSW), reviewed 4 days ago

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ING DIRECT

ING DIRECT Mortgage Simplifier (LVR<80%, Owner Occupier) home loan review

Overall rating   10 / 10

Innovative bank of our time

ING is the best bank for products, customer service and innovation with new ideas to improve services and benefits.
Full review

ING is the best bank for products, customer service and innovation with new ideas to improve services and benefits.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Catherine (QLD), reviewed 4 days ago

2 people found this review helpful – do you? Yes

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Bankwest

Bankwest Premium Select (LVR<80%, Owner Occupier) home loan review

Overall rating   8 / 10

Investment loan has a higher rate than others

I like how easy it is to contact Bankwest. Staff are always helpful and I love that I can chat online to save time. My rate is high compared to other lenders, I'm looking at my options for a refinance. That said, my loan is an investment loan.
Full review

I like how easy it is to contact Bankwest. Staff are always helpful and I love that I can chat online to save time. My rate is high compared to other lenders, I'm looking at my options for a refinance. That said, my loan is an investment loan.

    Price   6 / 10

    Features   9 / 10

    Customer service   8 / 10

    Convenience   7 / 10

    Trust   7 / 10

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Mia (NSW), reviewed 4 days ago

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Westpac

Westpac home loan review

Overall rating   7 / 10

Customer service is great

Customer service is great
Full review

Customer service is great

    Price   5 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Max (NSW), reviewed 4 days ago

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Westpac

Westpac home loan review

Overall rating   9 / 10

We have a good package deal that works well

Great packages
Full review

Great packages

    Price   7 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   9 / 10

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Wendy (QLD), reviewed 4 days ago

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CUA

CUA home loan review

Overall rating   9 / 10

Great to deal with, low interest rates

They are always willing to help even in difficult times
Full review

They are always willing to help even in difficult times

    Price   8 / 10

    Features   10 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Cheryl (VIC), reviewed 4 days ago

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Coastline Credit Union

Coastline Credit Union home loan review

Overall rating   10 / 10

Love doing business

Great service, friendly staff
Full review

Great service, friendly staff

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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John (NSW), reviewed 4 days ago

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NAB

NAB Base Variable Rate Home Loan (Principal & Interest) home loan review

Overall rating   9 / 10

Very good and trustworthy

Very good. Have been dealing with them for a long time
Full review

Very good. Have been dealing with them for a long time

    Price   7 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Marc (VIC), reviewed 4 days ago

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ANZ

ANZ Standard Variable Rate (Owner Occupier) home loan review

Overall rating   5 / 10

Still have to wait a long time to be seen

Most of the tellers are very helpful but find it hard to find help unless your planning on changing banks. Small transactions still take just as long
Full review

Most of the tellers are very helpful but find it hard to find help unless your planning on changing banks. Small transactions still take just as long

    Price   5 / 10

    Features   4 / 10

    Customer service   4 / 10

    Convenience   6 / 10

    Trust   7 / 10

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Jo (VIC), reviewed 4 days ago

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Commonwealth Bank

Commonwealth Bank Standard Variable Rate (Owner Occupier) home loan review

Overall rating   5 / 10

Interest rate too high

Online banking is easy to use and understand. Interest rate is definitely too high, especially for a loyal customer.
Full review

Online banking is easy to use and understand. Interest rate is definitely too high, especially for a loyal customer.

    Price   3 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   9 / 10

    Trust   6 / 10

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Susan (NSW), reviewed 4 days ago

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NAB

NAB Base Variable Rate Home Loan (Principal & Interest) home loan review

Overall rating   10 / 10

Fabulous customer service

The Nagambie branch is fantastic. I can call at any time with a question and they help me. I really miss them now that I have moved but still call with queries.
Full review

The Nagambie branch is fantastic. I can call at any time with a question and they help me. I really miss them now that I have moved but still call with queries.

    Price   8 / 10

    Features   6 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Melanie (VIC), reviewed 4 days ago

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ANZ

ANZ Standard Variable Rate (Owner Occupier) home loan review

Overall rating   2 / 10

Would never bank with them again

6 monthly statement is too long. High fees & I feel ripped off.
Full review

6 monthly statement is too long. High fees & I feel ripped off.

    Price   2 / 10

    Features   2 / 10

    Customer service   2 / 10

    Convenience   2 / 10

    Trust   2 / 10

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Michelle (VIC), reviewed 4 days ago

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ANZ

ANZ Standard Variable Rate (Owner Occupier) home loan review

Overall rating   9 / 10

Great service

They are very good at Hay Branch but opening hours could be longer .
Full review

They are very good at Hay Branch but opening hours could be longer .

    Price   9 / 10

    Features   9 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Caren (NSW), reviewed 4 days ago

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Commonwealth Bank

Commonwealth Bank Fixed Rate (Owner Occupier) home loan review

Overall rating   6 / 10

Good customer service and helpful when struggling

Like. Because it has helped us keep our mortgage when finances are tight.
Full review

Like. Because it has helped us keep our mortgage when finances are tight.

    Price   3 / 10

    Features   3 / 10

    Customer service   6 / 10

    Convenience   7 / 10

    Trust   5 / 10

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Martin (QLD), reviewed 4 days ago

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St.George

St.George Standard Variable Home Loan (Owner Occupier) home loan review

Overall rating   9 / 10

Banking with St George is for keeps

When it came to refinancing our mortgage, St George came to the party and made us want to stay with them even more. You can trust them to give you the best advice and the best deal to suit your needs.
Full review

When it came to refinancing our mortgage, St George came to the party and made us want to stay with them even more. You can trust them to give you the best advice and the best deal to suit your needs.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   9 / 10

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Jason (NSW), reviewed 4 days ago

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Commonwealth Bank

Commonwealth Bank 3 Year Special Economiser (Owner Occupier) home loan review

Overall rating   10 / 10

Competive premiums and great customer service

Nothing but helpful all the way, would recommend all day
Full review

Nothing but helpful all the way, would recommend all day

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   9 / 10

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Brian (ACT), reviewed 4 days ago

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Home loan comparisons on Mozo Rates updated daily

  • Mortgage House Easy Start One Home Loan

    Mortgage House Easy Start One Home Loan

    • $0 Application fees
    • LVR up to 70%
    • Weekly & fortnightly repayments available

    variable rate

    3.69% variable for 12 months and then 4.19%

    comparison rate*

    4.58%

    Upfront fees

    $395

    Go to site

    More info

    • $0 Application fees
    • LVR up to 70%
    • Weekly & fortnightly repayments available
    Product info
    • Variable rate: 3.69% variable for 12 months and then 4.19%
    • Comparison rate*: 4.58%
    • Upfront fees: $395
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $395.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 70.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.0

    Based on 5 Mortgage House home loan reviews

    Need more information?
    Go to site

    More info

  • Bank Australia Basic Home Loan (Owner Occupier)

    Bank Australia Basic Home Loan (Owner Occupier)

    • No monthly fees
    • Redraw available
    • Option to fix full loan or split between fixed and variable

    variable rate

    3.98%

    comparison rate*

    3.99%

    Upfront fees

    $0

    Go to site

    More info

    • No monthly fees
    • Redraw available
    • Option to fix full loan or split between fixed and variable
    Product info
    • Variable rate: 3.98%
    • Comparison rate*: 3.99%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.7

    Based on 35 Bank Australia home loan reviews

    Need more information?
    Go to site

    More info

  • UBank UHomeLoan - Value Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Value Offer (Owner Occupier, Principal & Interest)

    • Experts Choice Winner - Best Value Variable Home Loan
    • No monthly fees
    • 20% Minimum deposit required

    variable rate

    3.99%

    comparison rate*

    3.99%

    Upfront fees

    $0

    Go to site

    More info

    • Experts Choice Winner - Best Value Variable Home Loan
    • No monthly fees
    • 20% Minimum deposit required
    Product info
    • Variable rate: 3.99%
    • Comparison rate*: 3.99%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    4.8

    Based on 56 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier)

    Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier)

    • No establishment fee
    • No monthly fee
    • Lump sum payments without penalty

    variable rate

    3.99%

    comparison rate*

    3.99%

    Upfront fees

    $0

    Go to site

    More info

    • No establishment fee
    • No monthly fee
    • Lump sum payments without penalty
    Product info
    • Variable rate: 3.99%
    • Comparison rate*: 3.99%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $295.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 70.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.5

    Based on 27 Beyond Bank home loan reviews

    Need more information?
    Go to site

    More info

  • Easy Street Basic Variable Home Loan (LVR 80% or less)

    Easy Street Basic Variable Home Loan (LVR 80% or less)

    • Powered by Community First Credit Union
    • No monthly or ongoing fees
    • Purchase, refinance, renovate or invest

    variable rate

    3.99%

    comparison rate*

    4.02%

    Upfront fees

    $500

    Go to site

    More info

    • Powered by Community First Credit Union
    • No monthly or ongoing fees
    • Purchase, refinance, renovate or invest
    Product info
    • Variable rate: 3.99%
    • Comparison rate*: 4.02%
    • Upfront fees: $500
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes-free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

    More info

  Compare

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* 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. 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.

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People's Choice Award 2015

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Mozo gives you the inside story on the best banking and insurance products as rated by thousands of real customers around Australia.

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