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Compare home loans

Whether you're a first home buyer, a property investor or simply shopping around for a better home loan deal - we have the tools to help with your home loan search. From do-it-yourself rate comparisons to personalised services that connect you with home loan experts ready to help.

Mystery Bank Deals

Today's top variable rate:

  • 4.97 % variable rate
  • 4.99 % comp rate
  • Go
  • No fees
  • Up to 90% LVR
  • Refinance or purchase

Today's sponsored deal

CUA

CUA 3 Year Fixed Rate Home Loan

  • 4.99% p.a. fixed for 3 years (5.49% p.a. comparison rate)
  • No monthly account keeping fees
  • Interest only repayment options
Check it out
    • UBank
      UHomeLoan - Refinance only
      • Includes 0.25% p.a. upfront discount
      • No ongoing fees
      • Apply online and get a decision in 30 minutes
    • variable rate

      4.87%

    • comparison rate*

      4.87%


      upfront fees

      $0

    • Go to site
    Click for more info
    • Heritage Bank
      Discount Variable
      • No monthly administration fee
      • Redraw facility
      • Free additional repayments
    • variable rate

      5.19%

    • comparison rate*

      5.24%


      upfront fees

      $700

    • Go to site
    Click for more info
    • bankmecu
      Basic Home Loan
      • Pre-purchase approval
      • Redraw facility
      • Family repayment pause - take a 3 month pause from full repayments or a 6 month pause at half repayments
    • variable rate

      5.29%

    • comparison rate*

      5.34%


      upfront fees

      $595

    • Go to site
    Click for more info
    • IMB
      Essentials Home Loan (LVR<90%)
      • 0.58% p.a. life-of-loan discount off the standard variable rate for loans up to 90% of the property value
      • No monthly or annual fees
      • 100% offset account
    • variable rate

      5.33%

    • comparison rate*

      5.33%


      upfront fees

      $0

    • Go to site
    Click for more info
    • Greater Building Society
      Great Rate Home Loan
      • No ongoing fees
      • Free extra repayments
      • Redraw facility
    • variable rate

      5.39%

    • comparison rate*

      5.45%


      upfront fees

      $790

    • Go to site
    Click for more info
    • AMP
      Variable Rate Loan ($250k to $500K) (Professional Package)
      • Discounts of up to 0.85% p.a. off the standard variable rate
      • Master Limit option available for extra financial flexibility
      • Unlimited free redraw
    • variable rate

      5.40%

    • comparison rate*

      5.75%


      upfront fees

      $295

    • 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.

    • UBank
      UHomeLoan - Refinance only
      • Includes 0.25% p.a. upfront discount
      • No ongoing fees
      • Apply online and get a decision in 30 minutes
    • variable rate

      4.87%

    • comparison rate*

      4.87%


      upfront fees

      $0

    • Go to site
    Click for more info
    • bankmecu
      Basic Home Loan
      • Pre-purchase approval
      • Redraw facility
      • Family repayment pause - take a 3 month pause from full repayments or a 6 month pause at half repayments
    • variable rate

      5.29%

    • comparison rate*

      5.34%


      upfront fees

      $595

    • Go to site
    Click for more info
    • IMB
      Essentials Home Loan (LVR<90%)
      • 0.58% p.a. life-of-loan discount off the standard variable rate for loans up to 90% of the property value
      • No monthly or annual fees
      • 100% offset account
    • variable rate

      5.33%

    • comparison rate*

      5.33%


      upfront fees

      $0

    • Go to site
    Click for more info
    • Greater Building Society
      Great Rate Home Loan
      • No ongoing fees
      • Free extra repayments
      • Redraw facility
    • variable rate

      5.39%

    • comparison rate*

      5.45%


      upfront fees

      $790

    • Go to site
    Click for more info
    • AMP
      Variable Rate Loan ($250k to $500K) (Professional Package)
      • Discounts of up to 0.85% p.a. off the standard variable rate
      • Master Limit option available for extra financial flexibility
      • Unlimited free redraw
    • variable rate

      5.40%

    • comparison rate*

      5.75%


      upfront fees

      $295

    • 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
      Fixed Rate
      • No ongoing account fees
      • Borrow up to 95% of the value of the property
      • Free extra repayments up to $25,000 p.a.
    • fixed 1 year rate

      4.59%

    • fixed 3 year rate

      4.99%


      comparison rate*

      5.58%

    • Go to site
    Click for more info
    • HSBC
      Fixed Rate Home Loan
      • 4.59% p.a. interest rate fixed for 2 years
      • 0.70% p.a. off HSBC's standard variable rate after the fixed term
      • No monthly fees
    • fixed 1 year rate

    • fixed 3 year rate


      comparison rate*

      5.39%

    • Go to site
    Click for more info
    • Greater Building Society
      Fixed Rate Home Loan (Ultimate Home Loan Package)
      • Free extra repayments
      • Free redraw facility
      • Offset account
    • fixed 1 year rate

      4.74%

    • fixed 3 year rate

      4.99%


      comparison rate*

      5.50%

    • Go to site
    Click for more info
    • AMP
      Basic Fixed Rate Loan (Basic Package)
      • A choice of variable or fixed interest rates (1, 2, 3 or 5 years) or a combination of both.
      • 100% Offset Deposit Account available.
      • Unlimited free redraw available via BankNet and BankPhone.
    • fixed 1 year rate

      4.99%

    • fixed 3 year rate

      5.19%


      comparison rate*

      5.42%

    • Go to site
    Click for more info
    • IMB
      Fixed Rate (LVR <90%)
      • Up to 12 months repayments in advance without penalties
      • Free Internet and mobile banking redraws
      • Choose from a fixed loan term of 1-5 years
    • fixed 1 year rate

      4.99%

    • fixed 3 year rate

      4.99%


      comparison rate*

      5.54%

    • Go to site
    Click for more info
    • AMP
      Fixed Rate Loan (over $250k) (Professional Package)
      • A choice of variable or fixed interest rates (1, 2 ,3 or 5 years) or a combination of both.
      • Master Limit option available for extra financial flexibility.
      • Unlimited free redraw.
    • fixed 1 year rate

      4.99%

    • fixed 3 year rate

      5.19%


      comparison rate*

      5.69%

    • Go to site
    Click for more info
    • Heritage Bank
      Fixed Loan
      • Fixed rate terms of 1, 2, 3 or 5 years
      • Option to make additional or lump sum repayments without penalty
      • Unrestricted re-borrow facility
    • fixed 1 year rate

      4.99%

    • fixed 3 year rate

      5.29%


      comparison rate*

      5.83%

    • Go to site
    Click for more info
    • CUA
      Fixed Home Loan
      • No monthly account keeping fees
      • Three agreed advance repayments available
      • Interest-only repayment options
    • fixed 1 year rate

      5.10%

    • fixed 3 year rate

      4.99%


      comparison rate*

      5.49%

    • Go to site
    Click for more info
    • MyRate.com.au
      Fixed Loan
      • $0 upfront fees
      • $0 ongoing fees
      • Free extra repayments up to $10,000 p.a.
    • fixed 1 year rate

      5.10%

    • fixed 3 year rate

      5.20%


      comparison rate*

      5.36%

    • Enquire
    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.

    • Heritage Bank
      Discount Variable
      • No monthly administration fee
      • Redraw facility
      • Free additional repayments
    • ongoing fees

      $0.00

    • variable rate

      5.19%


      comparison rate*

      5.24%

    • Go to site
    Click for more info
    • iMortgage
      iMortgage Essential
      • No ongoing fees
      • Free extra repayments
      • Free redraw facility
    • ongoing fees

      $0.00

    • variable rate

      4.97%


      comparison rate*

      4.99%

    • Go to site
    Click for more info
    • IMB
      Essentials Home Loan (LVR<90%)
      • 0.58% p.a. life-of-loan discount off the standard variable rate for loans up to 90% of the property value
      • No monthly or annual fees
      • 100% offset account
    • ongoing fees

      $0.00

    • variable rate

      5.33%


      comparison rate*

      5.33%

    • Go to site
    Click for more info
    • Greater Building Society
      Great Rate Home Loan
      • No ongoing fees
      • Free extra repayments
      • Redraw facility
    • ongoing fees

      $0.00

    • variable rate

      5.39%


      comparison rate*

      5.45%

    • 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.

    • UBank
      UHomeLoan - Refinance only
      • Includes 0.25% p.a. upfront discount
      • No ongoing fees
      • Apply online and get a decision in 30 minutes
    • variable rate

      4.87%

    • comparison rate*

      4.87%


      upfront fees

      $0

    • Go to site
    Click for more info
    • Newcastle Permanent
      Premium Plus ($750k - $900k) (Package Home Loan)
      • $0 application fee
      • Redraw on additional repayments when you need extra cash
      • Borrow up to 95% of the property value
    • variable rate

      5.12%

    • comparison rate*

      5.45%


      upfront fees

      $0

    • Go to site
    Click for more info
    • Heritage Bank
      Discount Variable
      • No monthly administration fee
      • Redraw facility
      • Free additional repayments
    • variable rate

      5.19%

    • comparison rate*

      5.24%


      upfront fees

      $700

    • Go to site
    Click for more info
    • Greater Building Society
      Great Rate Home Loan
      • No ongoing fees
      • Free extra repayments
      • Redraw facility
    • variable rate

      5.39%

    • comparison rate*

      5.45%


      upfront fees

      $790

    • 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.

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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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