Home loan comparisons on Mozo Rates updated daily
- promoted
loans.com.au Fast Forward (Owner Occupier)
loans.com.auloans.com.au Fast Forward (Owner Occupier)
- Fast Forward your home loan application with our great rates & speedy, hassle-free online process
- Unlimited free redraws, Split loan facility
- Available for purchase and refinance
variable rate
3.63%
comparison rate*
4.03%
Upfront fees
$520
Go to site More info
- Fast Forward your home loan application with our great rates & speedy, hassle-free online process
- Unlimited free redraws, Split loan facility
- Available for purchase and refinance
- Variable rate: 3.63%
- Comparison rate*: 4.03%
- Upfront fees: $520
- Ongoing fees: $375.00 yearly
- Discharge fee: $550.00
- Extra repayments: yes - free
- Redraw facility: yes - free
- Offset account: no
- Maximum loan to value ratio: 80.00%
- Minimum loan amount: $50,000
- Maximum loan amount: $500,000
- Type of loan: Variable
- Repayment types: Principal & Interest
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
UBank UHomeLoan - Value Offer (Owner Occupier, Principal & Interest)
UBankUBank UHomeLoan - Value Offer (Owner Occupier, Principal & Interest)
- Hurry, closes August 7th
- No monthly fees
- 20% Minimum deposit required
variable rate
3.74%
comparison rate*
3.74%
Upfront fees
$0
Go to site More info
- Hurry, closes August 7th
- No monthly fees
- 20% Minimum deposit required
- Variable rate: 3.74%
- Comparison rate*: 3.74%
- 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
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- promoted
State Custodians Standard Variable (LVR<80%, Owner Occupier)
State CustodiansState Custodians Standard Variable (LVR<80%, Owner Occupier)
- $0 Application Fee, Free Redraws, Extra Repayments
- P&I or Interest Only Up to 5yrs
- Free 100% Offset Account
variable rate
3.74%
comparison rate*
4.07%
Upfront fees
$275
Go to site More info
- $0 Application Fee, Free Redraws, Extra Repayments
- P&I or Interest Only Up to 5yrs
- Free 100% Offset Account
- Variable rate: 3.74%
- Comparison rate*: 4.07%
- Upfront fees: $275
- Ongoing fees: $299.00 yearly
- Discharge fee: $300.00
- Extra repayments: yes - free
- Redraw facility: yes - free
- Offset account: yes
- 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, Interest Only
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
Australian Unity Kick Starter Home Loan (Owner Occupier)
Australian UnityAustralian Unity Kick Starter Home Loan (Owner Occupier)
- No annual fee on a credit card of your choice
- Free transaction account with a visa debit
- Unlimited redraws ($500 min)
variable rate
3.85%
comparison rate*
3.88%
Upfront fees
$600
Go to site More info
- No annual fee on a credit card of your choice
- Free transaction account with a visa debit
- Unlimited redraws ($500 min)
- Variable rate: 3.85%
- Comparison rate*: 3.88%
- Upfront fees: $600
- Ongoing fees: $0.00
- Discharge fee: $375.00
- Extra repayments: yes - free
- Redraw facility: yes - free
- Offset account: no
- Maximum loan to value ratio: 80.00%
- Minimum loan amount: $200,000
- Maximum loan amount: $1,000,000
- Type of loan: Variable
- Repayment types: Principal & Interest
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
State Custodians Breathe Easy (LVR<80%, Owner Occupier)
State CustodiansState Custodians Breathe Easy (LVR<80%, Owner Occupier)
- $0 Annual Fee, $0 Application Fee
- P&I or Interest Only Up to 5yrs
- Free 100% Offset Account
variable rate
3.87%
comparison rate*
3.90%
Upfront fees
$275
Go to site More info
- $0 Annual Fee, $0 Application Fee
- P&I or Interest Only Up to 5yrs
- Free 100% Offset Account
- Variable rate: 3.87%
- Comparison rate*: 3.90%
- Upfront fees: $275
- Ongoing fees: $0.00
- Discharge fee: $300.00
- Extra repayments: yes - free
- Redraw facility: yes - free
- Offset account: yes
- 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, Interest Only
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
loans.com.au Offset Variable (LVR<80%, Owner Occupier)
loans.com.auloans.com.au Offset Variable (LVR<80%, Owner Occupier)
- Fully-featured, low rate home loan
- For purchases or refinance, borrow up to 80% of the property value
- Apply online
variable rate
3.89%
comparison rate*
3.91%
Upfront fees
$520
Go to site More info
- Fully-featured, low rate home loan
- For purchases or refinance, borrow up to 80% of the property value
- Apply online
- Variable rate: 3.89%
- Comparison rate*: 3.91%
- Upfront fees: $520
- Ongoing fees: $0.00
- Discharge fee: $550.00
- Extra repayments: yes - free
- Redraw facility: yes - free
- Offset account: yes
- Maximum loan to value ratio: 80.00%
- Minimum loan amount: $50,000
- Maximum loan amount: $1,000,000
- Type of loan: Variable
- Repayment types: Principal & Interest
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)
Gateway Credit UnionGateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)
- Ability to make unlimited bulk repayments without penalty
- Offers borrowers up to four free splits
- Access extra features such as multiple offset accounts
variable rate
3.89%
comparison rate*
4.19%
Upfront fees
$0
Go to site More info
- Ability to make unlimited bulk repayments without penalty
- Offers borrowers up to four free splits
- Access extra features such as multiple offset accounts
- Variable rate: 3.89%
- Comparison rate*: 4.19%
- Upfront fees: $0
- Ongoing fees: $299.00 yearly
- Discharge fee: $300.00
- Extra repayments: yes - free
- Redraw facility: yes - free
- Offset account: yes - free
- Maximum loan to value ratio: 80.00%
- Minimum loan amount: $150,000
- Maximum loan amount: $1,000,000
- Type of loan: Variable
- Repayment types: Principal & Interest
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
Hunter United Get A Better Home Loan - Refinance (Owner Occupier)
Hunter UnitedHunter United Get A Better Home Loan - Refinance (Owner Occupier)
- $0 application fee when refinancing from another lender
- 100% interest offset facility & redraw
- Only 10% deposit for Owner Occupiers
variable rate
3.95%
comparison rate*
4.05%
Upfront fees
$0
Go to site More info
- $0 application fee when refinancing from another lender
- 100% interest offset facility & redraw
- Only 10% deposit for Owner Occupiers
- Variable rate: 3.95%
- Comparison rate*: 4.05%
- Upfront fees: $0
- Ongoing fees: $8.00 monthly
- Discharge fee: $80.00
- Extra repayments: yes
- Redraw facility: yes - fees apply
- Offset account: yes
- Maximum loan to value ratio: 90.00%
- Minimum loan amount: $300,000
- Maximum loan amount:
- Type of loan: Variable
- Repayment types: Principal & Interest
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier, LVR<60%)
Beyond BankBeyond Bank Low Rate Special Variable Home Loan (Owner Occupier, LVR<60%)
- Free redraw and unlimited repayments
- 100% mortgage offset account
- No upfront or ongoing fees
variable rate
3.98%
comparison rate*
3.98%
Upfront fees
$0
Go to site More info
- Free redraw and unlimited repayments
- 100% mortgage offset account
- No upfront or ongoing fees
- Variable rate: 3.98%
- Comparison rate*: 3.98%
- 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: 60.00%
- Minimum loan amount: $150,000
- Maximum loan amount:
- Type of loan: Variable
- Repayment types: Principal & Interest
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
Bank Australia Home Loan - (Full Salary Credit, LVR<80%, Owner Occupier)
Bank AustraliaBank Australia Home Loan - (Full Salary Credit, LVR<80%, Owner Occupier)
- No monthly fees
- Redraw available
- Flexible repayments
variable rate
3.98%
comparison rate*
3.99%
Upfront fees
$0
Go to site More info
- No monthly fees
- Redraw available
- Flexible repayments
- 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: 80.00%
- Minimum loan amount: $10,000
- Maximum loan amount:
- Type of loan: Variable
- Repayment types: Principal & Interest, Interest Only
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
Greater Bank Discount Great Rate Home Loan (Owner Occupier, LVR<85%, over $150k)
Greater BankGreater Bank Discount Great Rate Home Loan (Owner Occupier, LVR<85%, over $150k)
- Experts Choice Winner 2016
- No ongoing fee. No establishment fee. Free internet redraw facility
- NSW, QLD, ACT customers only
variable rate
3.99%
comparison rate*
3.99%
Upfront fees
$0
Go to site More info
- Experts Choice Winner 2016
- No ongoing fee. No establishment fee. Free internet redraw facility
- NSW, QLD, ACT customers only
- Variable rate: 3.99%
- Comparison rate*: 3.99%
- Upfront fees: $0
- Ongoing fees: $0.00
- Discharge fee: $300.00
- Extra repayments: yes - free
- Redraw facility: yes
- Offset account: no
- Maximum loan to value ratio: 85.00%
- Minimum loan amount: $150,000
- Maximum loan amount:
- Type of loan: Variable
- Repayment types: Principal & Interest, Interest Only
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
CUA Fresh Start Basic Variable Home Loan (Owner Occupier)
CUACUA Fresh Start Basic Variable Home Loan (Owner Occupier)
- Low interest rate
- No ongoing fees
- Free redraw facility for easy access to additional payments
variable rate
3.99%
comparison rate*
4.04%
Upfront fees
$795
Go to site More info
- Low interest rate
- No ongoing fees
- Free redraw facility for easy access to additional payments
- Variable rate: 3.99%
- Comparison rate*: 4.04%
- Upfront fees: $795
- Ongoing fees: $0.00
- Discharge fee: $200.00
- Extra repayments: yes - free
- Redraw facility: yes - free
- Offset account: no
- Maximum loan to value ratio: 80.00%
- Minimum loan amount: $10,000
- Maximum loan amount: $5,000,000
- Type of loan: Variable
- Repayment types: Principal & Interest, Interest Only
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
Liberty Sharp Home Loan (LVR<70%, Owner Occupier)
LibertyLiberty Sharp Home Loan (LVR<70%, Owner Occupier)
- Great low rate
- No on-going fees
- Set and forget
variable rate
3.99%
comparison rate*
4.06%
Upfront fees
$995
Go to site More info
- Great low rate
- No on-going fees
- Set and forget
- Variable rate: 3.99%
- Comparison rate*: 4.06%
- Upfront fees: $995
- Ongoing fees: $0.00
- Discharge fee: $395.00
- Extra repayments: yes - free
- Redraw facility: yes - fees apply
- Offset account: No
- Maximum loan to value ratio: 70.00%
- Minimum loan amount: $100,000
- Maximum loan amount: $500,000
- Type of loan: Variable
- Repayment types: Principal & Interest
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
Liberty Star Home Loan (LVR<70%, Owner Occupier)
LibertyLiberty Star Home Loan (LVR<70%, Owner Occupier)
- 100% offset
- Free redraw
- Options to fix
variable rate
3.99%
comparison rate*
4.29%
Upfront fees
$0
Go to site More info
- 100% offset
- Free redraw
- Options to fix
- Variable rate: 3.99%
- Comparison rate*: 4.29%
- Upfront fees: $0
- Ongoing fees: $295.00 yearly
- Discharge fee: $395.00
- Extra repayments: yes - free
- Redraw facility: yes - free
- Offset account: yes
- Maximum loan to value ratio: 70.00%
- Minimum loan amount: $50,000
- Maximum loan amount: $1,500,000
- Type of loan: Variable
- Repayment types: Principal & Interest, Interest Only
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
Greater Bank Discount Ultimate Home Loan (LVR<85%, over $150K, Owner Occupier) (Package)
Greater BankGreater Bank Discount Ultimate Home Loan (LVR<85%, over $150K, Owner Occupier) (Package)
- Experts Choice Winner 2016
- 100% offset account. No establishment fee
- Free internet redraw facility
variable rate
3.99%
comparison rate*
4.36%
Upfront fees
$0
Go to site More info
- Experts Choice Winner 2016
- 100% offset account. No establishment fee
- Free internet redraw facility
- Variable rate: 3.99%
- Comparison rate*: 4.36%
- Upfront fees: $0
- Ongoing fees: $375.00 yearly
- Discharge fee: $300.00
- Extra repayments: yes - free
- Redraw facility: yes
- Offset account: yes
- Maximum loan to value ratio: 85.00%
- Minimum loan amount: $150,000
- Maximum loan amount:
- Type of loan: Variable
- Repayment types: Principal & Interest, Interest Only
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
Australian Unity Health, Wealth and Happiness Variable Rate (Owner Occupier) (Package)
Australian UnityAustralian Unity Health, Wealth and Happiness Variable Rate (Owner Occupier) (Package)
- No annual fee on a credit card of your choice
- 100% offset facility
- Owner occupied only
variable rate
4.00%
comparison rate*
4.03%
Upfront fees
$600
Go to site More info
- No annual fee on a credit card of your choice
- 100% offset facility
- Owner occupied only
- Variable rate: 4.00%
- Comparison rate*: 4.03%
- Upfront fees: $600
- Ongoing fees: $0.00
- Discharge fee: $375.00
- Extra repayments: yes - free
- Redraw facility: yes - free
- Offset account: yes
- Maximum loan to value ratio: 90.00%
- Minimum loan amount: $200,000
- Maximum loan amount: $2,500,000
- Type of loan: Variable
- Repayment types: Principal & Interest, Interest Only
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
Bankwest Complete Variable Home Loan (LVR<90%, Owner Occupier) (Package)
BankwestBankwest Complete Variable Home Loan (LVR<90%, Owner Occupier) (Package)
- $0 home loan application fees
- $0 annual fee on your choice of a rewards credit card
- $0 property valuation fees with your home loan application
variable rate
4.02%
comparison rate*
4.43%
Upfront fees
$150
Go to site More info
- $0 home loan application fees
- $0 annual fee on your choice of a rewards credit card
- $0 property valuation fees with your home loan application
- Variable rate: 4.02%
- Comparison rate*: 4.43%
- Upfront fees: $150
- Ongoing fees: $395.00 yearly
- Discharge fee: $338.20
- Extra repayments: yes - free
- Redraw facility: yes - free
- Offset account: yes
- Maximum loan to value ratio: 90.00%
- Minimum loan amount: $200,000
- Maximum loan amount:
- Type of loan: Variable
- Repayment types: Principal & Interest, Interest Only
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
AMP Essential Home Loan (Owner Occupier)
AMPAMP Essential Home Loan (Owner Occupier)
- Experts Choice Winner - Home Loans 2016
- Additional repayments anytime
- Waived establishment & settlement fees
variable rate
4.08%
comparison rate*
4.10%
Upfront fees
$295
Go to site More info
- Experts Choice Winner - Home Loans 2016
- Additional repayments anytime
- Waived establishment & settlement fees
- Variable rate: 4.08%
- Comparison rate*: 4.10%
- Upfront fees: $295
- Ongoing fees: $0.00
- Discharge fee: $100.00
- Extra repayments: yes - free
- Redraw facility: yes
- Offset account: no
- Maximum loan to value ratio: 90.00%
- Minimum loan amount: $40,000
- Maximum loan amount: $2,000,000
- Type of loan: Variable
- Repayment types: Principal & Interest
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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Queensland Country Credit Union Discount Ultimate Home Loan (LVR<90%) (Package)
Queensland Country Credit UnionQueensland Country Credit Union Discount Ultimate Home Loan (LVR<90%) (Package)
- Loans up to 90% LVR for Owner Occupied and Investment Loans
- 100% offset account
- Redraw available
variable rate
4.09%
comparison rate*
4.43%
Upfront fees
$0
Go to site More info
- Loans up to 90% LVR for Owner Occupied and Investment Loans
- 100% offset account
- Redraw available
- Variable rate: 4.09%
- Comparison rate*: 4.43%
- Upfront fees: $0
- Ongoing fees: $350.00 yearly
- Discharge fee: $0.00
- Extra repayments: yes - free
- Redraw facility: yes - $8
- Offset account: yes
- Maximum loan to value ratio: 90.00%
- Minimum loan amount: $100,000
- Maximum loan amount: $5,000,000
- Type of loan: Variable
- Repayment types: Principal & Interest
- Availability: Owner Occupier, Investor
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
Bank Australia Basic Home Loan - (LVR<80%, Owner Occupier)
Bank AustraliaBank Australia Basic Home Loan - (LVR<80%, Owner Occupier)
- No 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 More info
- No 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
- 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: 80.00%
- Minimum loan amount: $10,000
- Maximum loan amount:
- Type of loan: Variable
- Repayment types: Principal & Interest, Interest Only
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
Illawarra Credit Union Variable Home Loan (Owner Occupier)
Illawarra Credit UnionIllawarra Credit Union Variable Home Loan (Owner Occupier)
- 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
4.15%
comparison rate*
4.15%
Upfront fees
$600
Go to site More info
- 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: 4.15%
- Comparison rate*: 4.15%
- Upfront fees: $600
- Ongoing fees: $0.00
- Discharge fee: $250.00
- Extra repayments: yes - free
- Redraw facility: yes - free
- Offset account: yes
- Maximum loan to value ratio: 95.00%
- Minimum loan amount: $250,000
- Maximum loan amount:
- Type of loan: Variable
- Repayment types: Principal & Interest, Interest Only
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
NAB Base Variable Rate Home Loan (Owner Occupier, Principal & Interest)
NABNAB Base Variable Rate Home Loan (Owner Occupier, Principal & Interest)
- $0 upfront fees
- No annual or monthly fees
- Free extra repayments and redraw facility
variable rate
4.20%
comparison rate*
4.21%
Upfront fees
$0
Go to site More info
- $0 upfront fees
- No annual or monthly fees
- Free extra repayments and redraw facility
- Variable rate: 4.20%
- Comparison rate*: 4.21%
- Upfront fees: $0
- Ongoing fees: $0.00
- Discharge fee: $350.00
- Extra repayments: yes - free
- Redraw facility: yes
- Offset account: no
- Maximum loan to value ratio: 95.00%
- Minimum loan amount: $20,000
- Maximum loan amount:
- Type of loan: Variable
- Repayment types: Principal & Interest
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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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.