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1:00AM Saturday Mar 20, 2010

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Mozo finance comparison

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home loans

Compare and save on home loans

Save on your home loan with our nifty comparison tools. Pick a winner from our most popular home loans in the table below, or search the whole market to compare all home loans with ease.

Popular home loans

top picks
variable rate
fixed rate
introductory rate
no ongoing fees

	Intro rate	Variable rate	Comparison rate*	Key features
MyRate.com.au Advantage Loan		6.13%	6.14%	No fee home loans. Securely funded by ING Bank (Australia) Ltd.	Go to site
Mortgage House Vantage Offset Loan		5.99%	6.36%	100% interest offset account, Visa Debit card, unlimited free transactions.	Go to site
RAMS Rate Relief	5.83%	6.53%	6.46%	Get an immediate discount off the standard variable rate for the first 2 years	Go to site
Mortgage Choice (product from their lender panel)		6.55%	6.87%	Allows you to borrow up to 95% of the properties value without the need to demonstrate your 5% deposit as genuine savings	Go to site
Aussie Standard Variable		6.69%	6.74%	100s of loans. 16 lenders. Free appointment.	Go to site
*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 $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.

	Variable rate	Comparison rate*	Key features
MyRate.com.au Advantage Loan	6.13%	6.14%	No fee home loans. Securely funded by ING Bank (Australia) Ltd.	Go to site
RAMS Basic Loan	6.26%	6.32%	RAMS Basic allows you up to 10 years interest only repayments.	Go to site
Mortgage House Vantage Offset Loan	5.99%	6.36%	100% interest offset account, Visa Debit card, unlimited free transactions.	Go to site
Aussie Standard Variable	6.69%	6.74%	100s of loans. 16 lenders. Free appointment.	Go to site
Mortgage Choice (product from their lender panel)	6.55%	6.87%	Allows you to borrow up to 95% of the properties value without the need to demonstrate your 5% deposit as genuine savings	Go to site
*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 $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.

	Fixed 3 year rate	Fixed 5 year rate	Comparison rate*	Key features
MyRate.com.au Fixed Loan	7.63%	7.98%	6.57%	No fee home loans. Securely funded by ING Bank (Australia) Ltd.	Go to site
RAMS Fixed Rate	7.29%	7.74%	6.86%	Fix your loan for up to 10 years	Go to site
Aussie Standard Fixed	7.39%	7.74%	6.95%	100s of loans. 16 lenders. Free appointment.	Go to site
St George Fixed Loan (Advantage Package)	7.54%	7.94%	7.38%	Personalise your all-in-one home loan package	Go to site
*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 $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.

	Intro rate	Intro rate term	Comparison rate*	Key features
RAMS Rate Relief	5.83%	24 Months	6.46%	Get an immediate discount off the standard variable rate for the first 2 years	Go to site
Mortgage House Carpe Diem	2.98%	6 Months	6.68%	Borrow up to 95% LVR, free redraws and comes with a revolving line of credit.	Go to site
St George Discount Variable Rate	6.23%	12 Months	7.03%	Right now you can get 1.1% off the Standard Variable Rate for 12 months	Go to site
St George 1 year Introductory Fixed Rate	6.49%	12 Months	7.06%	Introductory fixed rate for 1 year	Go to site
*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 $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.

	Variable rate	Comparison rate*	Key features
MyRate.com.au Advantage Loan	6.13%	6.14%	No fee home loans. Securely funded by ING Bank (Australia) Ltd.	Go to site
RAMS Basic Loan	6.26%	6.32%	RAMS Basic allows you up to 10 years interest only repayments.	Go to site
MyRate.com.au Fixed Loan		6.57%	Fixed Rate home loans also available with no fees.	Go to site
Mortgage House 1st Rate Mortgage COMBO	6.62%	6.68%	Free redraws, Nil Interest Visa card and a cheque book.	Go to site
Aussie Standard Variable	6.69%	6.74%	100s of loans. 16 lenders. Free appointment.	Go to site
*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 $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.

Compare all home loans

Search the home loan market at a glance
Shortlist your finalists to compare head-to-head
Apply for the product that best fits your needs

Compare all home loans

: Lowest rate home loans; - based on comparison interest rate

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all home loans
big banks

Go to site
1.
6.14%
Homestar
– Advantage Loan
Go to site
1.
6.14%
MyRate.com.au
– Advantage Loan
Go to site
3.
6.32%
RAMS
– Basic Loan
Go to site
4.
6.36%
Mortgage House
– Vantage Offset Loan
Go to site
5.
6.41%
St George
– Basic Home Loan

1.
5.69%
New Loan
– Time-out
2.
5.88%
Reduce Home Loans
– Standard Variable
3.
5.90%
New Loan
– Advantage Rate Loan
4.
6.06%
State Custodians
– Breathe Easy
5.
6.12%
Reduce Home Loans
– Line of Credit

1.
6.25%
ANZ
– Simplicity PLUS
2.
6.28%
NAB
– Base Variable Rate Home Loan
3.
6.35%
Commonwealth Bank
– 3 Year Special Economiser
4.
6.36%
Westpac
– Flexi First Option Home Loan
Go to site
5.
6.41%
St George
– Basic Home Loan

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