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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 reports and services that connect you with home loan experts ready to help.
| Variable rate | Comparison rate* | Upfront fees | Key features | |||
|---|---|---|---|---|---|---|
|
UBank
UBank
UHomeLoan - Refinance only |
4.87% | 4.87% | $0 |
see more details |
Includes 0.25% p.a. upfront discount. No ongoing fees |
Go to site |
|
Heritage Bank
Heritage Bank
Discount Variable |
5.19% | 5.24% | $700 |
see more details |
No monthly administration fee. Redraw facility. Additional repayments |
Go to site |
|
bankmecu
bankmecu
Basic Home Loan |
5.29% | 5.34% | $595 |
see more details |
Pre-purchase approval. Redraw facility |
Go to site |
|
AMP
AMP
Variable Rate Loan ($250k to $500K) (Professional Package) |
5.40% | 5.75% | $295 |
see more details |
Discounts of up to 0.85% p.a. off the standard variable rate |
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 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.
|
||||||
| Variable rate | Comparison rate* | Upfront fees | Key features |
|---|---|---|---|
| 4.87% | 4.87% | $0 | Includes 0.25% p.a. upfront discount. No ongoing fees |
*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.
| Variable rate | Comparison rate* | Upfront fees | Key features |
|---|---|---|---|
| 5.19% | 5.24% | $700 | No monthly administration fee. Redraw facility. Additional repayments |
*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.
| Variable rate | Comparison rate* | Upfront fees | Key features |
|---|---|---|---|
| 5.29% | 5.34% | $595 | Pre-purchase approval. Redraw facility |
*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.
| Variable rate | Comparison rate* | Upfront fees | Key features |
|---|---|---|---|
| 5.40% | 5.75% | $295 | Discounts of up to 0.85% p.a. off the standard variable rate |
*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.
| Variable rate | Comparison rate* | Upfront fees | Key features | |||
|---|---|---|---|---|---|---|
|
UBank
UBank
UHomeLoan - Refinance only |
4.87% | 4.87% | $0 |
see more details |
Includes 0.25% p.a. upfront discount. No ongoing fees |
Go to site |
|
iMortgage
iMortgage
iMortgage Essential |
4.97% | 4.99% | $410 |
see more details |
No ongoing fees. Free extra repayments |
Go to site |
|
bankmecu
bankmecu
Basic Home Loan |
5.29% | 5.34% | $595 |
see more details |
Pre-purchase approval. Redraw facility |
Go to site |
|
AMP
AMP
Variable Rate Loan ($250k to $500K) (Professional Package) |
5.40% | 5.75% | $295 |
see more details |
Discounts of up to 0.85% p.a. off the standard variable rate |
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 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.
|
||||||
| Variable rate | Comparison rate* | Upfront fees | Key features |
|---|---|---|---|
| 4.87% | 4.87% | $0 | Includes 0.25% p.a. upfront discount. No ongoing fees |
*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.
| Variable rate | Comparison rate* | Upfront fees | Key features |
|---|---|---|---|
| 4.97% | 4.99% | $410 | No ongoing fees. Free extra repayments |
*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.
| Variable rate | Comparison rate* | Upfront fees | Key features |
|---|---|---|---|
| 5.29% | 5.34% | $595 | Pre-purchase approval. Redraw facility |
*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.
| Variable rate | Comparison rate* | Upfront fees | Key features |
|---|---|---|---|
| 5.40% | 5.75% | $295 | Discounts of up to 0.85% p.a. off the standard variable rate |
*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.
| Fixed 1 year rate | Fixed 3 year rate | Comparison rate* | Key features | |||
|---|---|---|---|---|---|---|
|
Newcastle Permanent
Newcastle Permanent
Fixed Rate |
4.59% | 4.99% | 5.58% |
see more details |
No ongoing account fees. Borrow up to 95% of the value of the property |
Go to site |
|
HSBC
HSBC
Fixed Rate Home Loan |
5.39% |
see more details |
4.59% p.a. interest rate fixed for 2 years |
Go to site |
||
|
Heritage Bank
Heritage Bank
Fixed Loan |
4.99% | 5.29% | 5.83% |
see more details |
Fixed rate terms of 1, 2, 3 or 5 years. Option to make additional or lump sum repayments without penalty |
Go to site |
|
AMP
AMP
Fixed Rate Loan (over $250k) (Professional Package) |
4.99% | 5.19% | 5.69% |
see more details |
A choice of variable or fixed interest rates (1, 2 ,3 or 5 years) or a combination of both. |
Go to site |
|
CUA
CUA
Fixed Home Loan |
5.10% | 4.99% | 5.49% |
see more details |
No monthly account keeping fees. Three agreed advance repayments available |
Go to site |
| Fixed 1 year rate | Fixed 3 year rate | Comparison rate* | Key features |
|---|---|---|---|
| 4.59% | 4.99% | 5.58% | No ongoing account fees. Borrow up to 95% of the value of the property |
| Fixed 1 year rate | Fixed 3 year rate | Comparison rate* | Key features |
|---|---|---|---|
| 5.39% | 4.59% p.a. interest rate fixed for 2 years |
| Fixed 1 year rate | Fixed 3 year rate | Comparison rate* | Key features |
|---|---|---|---|
| 4.99% | 5.29% | 5.83% | Fixed rate terms of 1, 2, 3 or 5 years. Option to make additional or lump sum repayments without penalty |
| Fixed 1 year rate | Fixed 3 year rate | Comparison rate* | Key features |
|---|---|---|---|
| 4.99% | 5.19% | 5.69% | A choice of variable or fixed interest rates (1, 2 ,3 or 5 years) or a combination of both. |
| Fixed 1 year rate | Fixed 3 year rate | Comparison rate* | Key features |
|---|---|---|---|
| 5.10% | 4.99% | 5.49% | No monthly account keeping fees. Three agreed advance repayments available |
| Ongoing fees | Variable rate | Comparison rate* | Key features | |||
|---|---|---|---|---|---|---|
|
UBank
UBank
UHomeLoan - Refinance only |
$0.00 | 4.87% | 4.87% |
see more details |
Includes 0.25% p.a. upfront discount. No ongoing fees |
Go to site |
|
iMortgage
iMortgage
iMortgage Essential |
$0.00 | 4.97% | 4.99% |
see more details |
No ongoing fees. Free extra repayments |
Go to site |
|
Heritage Bank
Heritage Bank
Discount Variable |
$0.00 | 5.19% | 5.24% |
see more details |
No monthly administration fee. Redraw facility. Additional repayments |
Go to site |
|
bankmecu
bankmecu
Basic Home Loan |
$0.00 | 5.29% | 5.34% |
see more details |
Pre-purchase approval. Redraw facility |
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 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.
|
||||||
| Ongoing fees | Variable rate | Comparison rate* | Key features |
|---|---|---|---|
| $0.00 | 4.87% | 4.87% | Includes 0.25% p.a. upfront discount. No ongoing fees |
*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.
| Ongoing fees | Variable rate | Comparison rate* | Key features |
|---|---|---|---|
| $0.00 | 4.97% | 4.99% | No ongoing fees. Free extra repayments |
*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.
| Ongoing fees | Variable rate | Comparison rate* | Key features |
|---|---|---|---|
| $0.00 | 5.19% | 5.24% | No monthly administration fee. Redraw facility. Additional repayments |
*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.
| Ongoing fees | Variable rate | Comparison rate* | Key features |
|---|---|---|---|
| $0.00 | 5.29% | 5.34% | Pre-purchase approval. Redraw facility |
*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.
| Variable rate | Comparison rate* | Upfront fees | Key features | |||
|---|---|---|---|---|---|---|
|
UBank
UBank
UHomeLoan - Refinance only |
4.87% | 4.87% | $0 |
see more details |
Includes 0.25% p.a. upfront discount. No ongoing fees |
Go to site |
|
iMortgage
iMortgage
iMortgage Essential |
4.97% | 4.99% | $410 |
see more details |
No ongoing fees. Free extra repayments |
Go to site |
|
Newcastle Permanent
Newcastle Permanent
Premium Plus ($750k - $900k) (Package Home Loan) |
5.12% | 5.45% | $0 |
see more details |
$0 application fee. Redraw on additional repayments when you need extra cash |
Go to site |
|
Heritage Bank
Heritage Bank
Discount Variable |
5.19% | 5.24% | $700 |
see more details |
No monthly administration fee. Redraw facility. Additional repayments |
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 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.
|
||||||
| Variable rate | Comparison rate* | Upfront fees | Key features |
|---|---|---|---|
| 4.87% | 4.87% | $0 | Includes 0.25% p.a. upfront discount. No ongoing fees |
*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.
| Variable rate | Comparison rate* | Upfront fees | Key features |
|---|---|---|---|
| 4.97% | 4.99% | $410 | No ongoing fees. Free extra repayments |
*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.
| Variable rate | Comparison rate* | Upfront fees | Key features |
|---|---|---|---|
| 5.12% | 5.45% | $0 | $0 application fee. Redraw on additional repayments when you need extra cash |
*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.
| Variable rate | Comparison rate* | Upfront fees | Key features |
|---|---|---|---|
| 5.19% | 5.24% | $700 | No monthly administration fee. Redraw facility. Additional repayments |
*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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