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.

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Today's top variable rate:

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    HSBC Fixed Rate Home Loan

    • Interest rate of 5.09% p.a. fixed for 3 years
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      • loans.com.au Dream Home Loan Variable (Hot Summer Rate)
        • No monthly fees
        • For purchases or refinance, borrow up to 90% of the property value
        • Apply online
      • variable rate

        4.49%

      • comparison rate*

        4.51%

      • upfront fees

        $520

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

        4.69%

      • comparison rate*

        4.71%

      • upfront fees

        $150

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

        4.87%

      • comparison rate*

        5.00%

      • upfront fees

        $150

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

        4.87%

      • comparison rate*

        5.19%

      • upfront fees

        $0

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

        4.88%

      • comparison rate*

        4.89%

      • upfront fees

        $0

      • Go to site
        Advertisement
      Click for more info
      • ING DIRECT Orange Advantage (LVR<80%)
        • 100% offset facility
        • No application or monthly fees
        • No annual fee for the first year. Limited time only, apply by March 31, 2014
      • variable rate

        4.88%

      • comparison rate*

        5.07%

      • upfront fees

        $220

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

        4.88%

      • comparison rate*

        5.05%

      • upfront fees

        $769

      • Go to site
      Click for more info
      • Abode Special Home Loan
        • First year free loan protection
        • No ongoing fees
        • 100% offset account
      • variable rate

        4.89%

      • comparison rate*

        4.98%

      • upfront fees

        $1,200

      • Go to site
      Click for more info
      • Resi Essentials Plus
        • $0 application fee
        • $0 early payout fee
        • Free extra repayments
      • variable rate

        4.89%

      • comparison rate*

        5.26%

      • upfront fees

        $649

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

        4.90%

      • comparison rate*

        4.92%

      • upfront fees

        $295

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

        4.94%

      • comparison rate*

        4.98%

      • upfront fees

        $595

      • Go to site
      Click for more info
      • Greater Building Society Variable Home Loan (Ultimate Package)
        • Free extra repayments
        • Free redraw facility
        • Offset account available
      • variable rate

        4.94%

      • comparison rate*

        5.27%

      • upfront fees

        $275

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

        5.08%

      • comparison rate*

        5.12%

      • upfront fees

        $600

      • Go to site
      Click for more info
      • Greater Building Society Great Rate Home Loan
        • Choose from 3 dream holidays. Conditions apply
        • No application fee
        • No ongoing fees
      • variable rate

        5.14%

      • comparison rate*

        5.16%

      • upfront fees

        $275

      • 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.

      • loans.com.au Dream Home Loan Variable (Hot Summer Rate)
        • No monthly fees
        • For purchases or refinance, borrow up to 90% of the property value
        • Apply online
      • variable rate

        4.49%

      • comparison rate*

        4.51%

      • upfront fees

        $520

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

        4.69%

      • comparison rate*

        4.71%

      • upfront fees

        $150

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

        4.87%

      • comparison rate*

        5.00%

      • upfront fees

        $150

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

        4.87%

      • comparison rate*

        5.19%

      • upfront fees

        $0

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

        4.88%

      • comparison rate*

        4.89%

      • upfront fees

        $0

      • Go to site
        Advertisement
      Click for more info
      • ING DIRECT Orange Advantage (LVR<80%)
        • 100% offset facility
        • No application or monthly fees
        • No annual fee for the first year. Limited time only, apply by March 31, 2014
      • variable rate

        4.88%

      • comparison rate*

        5.07%

      • upfront fees

        $220

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

        4.88%

      • comparison rate*

        5.05%

      • upfront fees

        $769

      • Go to site
      Click for more info
      • Abode Special Home Loan
        • First year free loan protection
        • No ongoing fees
        • 100% offset account
      • variable rate

        4.89%

      • comparison rate*

        4.98%

      • upfront fees

        $1,200

      • Go to site
      Click for more info
      • Resi Essentials Plus
        • $0 application fee
        • $0 early payout fee
        • Free extra repayments
      • variable rate

        4.89%

      • comparison rate*

        5.26%

      • upfront fees

        $649

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

        4.90%

      • comparison rate*

        4.92%

      • upfront fees

        $295

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

        4.94%

      • comparison rate*

        4.98%

      • upfront fees

        $595

      • Go to site
      Click for more info
      • Greater Building Society Variable Home Loan (Ultimate Package)
        • Free extra repayments
        • Free redraw facility
        • Offset account available
      • variable rate

        4.94%

      • comparison rate*

        5.27%

      • upfront fees

        $275

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

        5.08%

      • comparison rate*

        5.12%

      • upfront fees

        $600

      • Go to site
      Click for more info
      • Greater Building Society Great Rate Home Loan
        • Choose from 3 dream holidays. Conditions apply
        • No application fee
        • No ongoing fees
      • variable rate

        5.14%

      • comparison rate*

        5.16%

      • upfront fees

        $275

      • 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.

      • Resi Flexi Fix Plus 80 (Fixed)
        • No application fee
        • Free extra repayments
        • $0 settlement fee
      • fixed 1 year rate

        4.59%

      • fixed 3 year rate

        4.93%

      • comparison rate*

        5.35%

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

        4.65%

      • fixed 3 year rate

        5.25%

      • comparison rate*

        5.35%

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

        4.69%

      • fixed 3 year rate

        5.09%

      • comparison rate*

        5.46%

      • Go to site
      Click for more info
      • Abode Standard Home Loan (Fixed)
        • First year free loan protection
        • No ongoing fees
        • 100% offset account
      • fixed 1 year rate

        4.69%

      • fixed 3 year rate

        5.24%

      • comparison rate*

        5.40%

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

        4.79%

      • fixed 3 year rate

        4.99%

      • comparison rate*

        5.18%

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

        4.79%

      • fixed 3 year rate

        5.19%

      • comparison rate*

        4.96%

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

        4.84%

      • fixed 3 year rate

        4.99%

      • comparison rate*

        5.60%

      • Go to site
      Click for more info
      • Victoria Teachers Mutual Bank Basic Home Loan (Fixed)
        • $0 establishment fee
        • $1,000 cash back
        • Deferred payments for the first 3 months
      • fixed 1 year rate

        4.84%

      • fixed 3 year rate

        5.14%

      • comparison rate*

        5.19%

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

        4.79%

      • fixed 3 year rate

        5.04%

      • comparison rate*

        5.12%

      • 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

        4.74%

      • comparison rate*

        5.22%

      • Go to site
        Advertisement
      Click for more info
      • Greater Building Society Great Rate Home Loan (Fixed)
        • Choose from 3 dream holidays. Conditions apply
        • No application fee
        • No ongoing fees
      • fixed 1 year rate

        5.09%

      • fixed 3 year rate

        5.54%

      • comparison rate*

        5.27%

      • 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.

      • loans.com.au Dream Home Loan Variable (Hot Summer Rate)
        • No monthly fees
        • For purchases or refinance, borrow up to 90% of the property value
        • Apply online
      • ongoing fees

        $0.00

      • variable rate

        4.49%

      • comparison rate*

        4.51%

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

        $0.00

      • variable rate

        4.69%

      • comparison rate*

        4.71%

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

        $0.00

      • variable rate

        4.88%

      • comparison rate*

        4.89%

      • Go to site
        Advertisement
      Click for more info
      • Abode Special Home Loan
        • First year free loan protection
        • No ongoing fees
        • 100% offset account
      • ongoing fees

        $0.00

      • variable rate

        4.89%

      • comparison rate*

        4.98%

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

        $0.00

      • variable rate

        4.90%

      • comparison rate*

        4.92%

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

        $0.00

      • variable rate

        4.94%

      • comparison rate*

        4.98%

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

        $0.00

      • variable rate

        5.08%

      • comparison rate*

        5.12%

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

      • loans.com.au Dream Home Loan Variable (Hot Summer Rate)
        • No monthly fees
        • For purchases or refinance, borrow up to 90% of the property value
        • Apply online
      • variable rate

        4.49%

      • comparison rate*

        4.51%

      • upfront fees

        $520

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

        4.69%

      • comparison rate*

        4.71%

      • upfront fees

        $150

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

        4.87%

      • comparison rate*

        5.00%

      • upfront fees

        $150

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

        4.87%

      • comparison rate*

        5.19%

      • upfront fees

        $0

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

        4.88%

      • comparison rate*

        4.89%

      • upfront fees

        $0

      • Go to site
        Advertisement
      Click for more info
      • ING DIRECT Orange Advantage (LVR<80%)
        • 100% offset facility
        • No application or monthly fees
        • No annual fee for the first year. Limited time only, apply by March 31, 2014
      • variable rate

        4.88%

      • comparison rate*

        5.07%

      • upfront fees

        $220

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

        4.88%

      • comparison rate*

        5.05%

      • upfront fees

        $769

      • Go to site
      Click for more info
      • Abode Special Home Loan
        • First year free loan protection
        • No ongoing fees
        • 100% offset account
      • variable rate

        4.89%

      • comparison rate*

        4.98%

      • upfront fees

        $1,200

      • Go to site
      Click for more info
      • Resi Essentials Plus
        • $0 application fee
        • $0 early payout fee
        • Free extra repayments
      • variable rate

        4.89%

      • comparison rate*

        5.26%

      • upfront fees

        $649

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

        4.90%

      • comparison rate*

        4.92%

      • upfront fees

        $295

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

        4.94%

      • comparison rate*

        4.98%

      • upfront fees

        $595

      • Go to site
      Click for more info
      • Victoria Teachers Mutual Bank Basic Home Loan (Rewards Package)
        • $0 establishment fee
        • $1,000 cash back
        • Deferred payments for the first 3 months
      • variable rate

        5.04%

      • comparison rate*

        5.35%

      • upfront fees

        $300

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

        5.08%

      • comparison rate*

        5.12%

      • upfront fees

        $600

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

        5.38%

      • comparison rate*

        5.39%

      • upfront fees

        $350

      • Go to site
      Click for more info
    • *The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
      ** Saving based on the average difference in fees and charges over the life of the loan between the most competitive product Mozo can refer a consumer to and the average home loan product input by 12,504 consumers (average balance of $325,069 interest rate of 6.97%, monthly fee of $9.90, exit fee of $330 and loan term of 16.6 years) who used the Mozo Home Loan Health Check tool between 1 January 2012 to July 2012.

    Top 5 Lowest interest rate

    - based on comparison rate
    1. 4.62%
      UBank
    2. 4.62%
      UBank
      UHomeLoan
    3. 4.66%
      loans.com.au
    4. 4.70%
      bankmecu
    1. 5.12%
      Westpac
    2. 5.20%
      Commonwealth Bank
    3. 5.22%
      ANZ
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    **Saving based on the average difference in fees and charges over the life of the loan between the most competitive product Mozo can refer a consumer to and the average home loan product input by 12,504 consumers (average balance of $325,069 interest rate of 6.97%, monthly fee of $9.90, exit fee of $330 and loan term of 16.6 years) who used the Mozo Home Loan Health Check tool between 1 January 2012 to July 2012.

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