Sketch of a house and some home loan calculations under a coffee cup

Variable Rate Home Loans

Variable rate home loans typically feature low fees, redraws and extra repayment options. Just make sure you can cover the repayments if rates begin to rise. 

The comparison rate is a good place to start when researching home loan deals because it takes into account both the annual interest you will be charged plus other costs and fees related to the loan. Start your home loan comparison below.

Fact Checked

Variable rate home loan comparisons on Mozo - last updated 23 October 2021

Search promoted home loans below or do a full Mozo database search. Advertiser disclosure.
  • placeholder
    Mozo Experts Choice 2021
    Smart Booster Home Loan

    2 Year Discounted Variable Rate, Owner Occupier, Principal & Interest, <80% LVR

    variable rate
    comparison rate
    Initial monthly repayment
    1.85% p.a.variable for 24 months and then 2.25% p.a.
    2.21% p.a.

    New super low introductory rate home loan for two years. Min 20% deposit. No monthly or ongoing fees. Fast settlement times. Mozo award-winning online lender. Friendly, local Australian based team.

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    Mozo Experts Choice 2021
    Celebrate Variable Home Loan

    <60% LVR, Owner Occupier, Principal & Interest

    variable rate
    comparison rate
    Initial monthly repayment
    1.99% p.a.
    1.99% p.a.

    Fast and efficient online application. Automatic discounts as loan is paid down. Free extra repayments and redraw facility. Zero fees. Min 40% deposit required. Winner of three Mozo Expert's Choice Awards for 2021.

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    Variable Home Loan

    Owner Occupier, Principal & Interest

    variable rate
    comparison rate
    Initial monthly repayment
    1.99% p.a.
    1.99% p.a.

    Refinance only. Super-fast digital application process. Zero upfront fees. No on-going service fees. Free 100% offset sub account. Minimum 25% deposit required.

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    Basic Home Loan

    Owner Occupier, LVR<60%, Principal & Interest

    variable rate
    comparison rate
    Initial monthly repayment
    2.14% p.a.
    2.14% p.a.

    Competitive low variable rate. No application or account management fees. Flexibility to split your loan and set different repayment types. Fee free withdrawals of your savings.

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    Discounted Home Value Loan

    Owner Occupier, Principal & Interest, LVR 70-80%

    variable rate
    comparison rate
    Initial monthly repayment
    2.44% p.a.
    2.45% p.a.

    No ongoing service fees. Free unlimited extra repayments and online redraw facility.

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    Mozo Experts Choice 2021
    Variable Home Loan Special

    Owner Occupier, Principal & Interest, LVR <70%

    variable rate
    comparison rate
    Initial monthly repayment
    1.99% p.a.
    2.02% p.a.

    Special rate applies to home loan applications submitted by 31 October 2021. Unlimited additional repayments, free redraw, 100% offset account. 30% deposit required. Simple online application. Low Cost Home Loan winner in the Mozo Expert's Choice Awards for 2021.

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    Mozo Experts Choice 2021
    UHomeLoan - Discount Offer

    Owner Occupier, Principal & Interest

    variable rate
    comparison rate
    Initial monthly repayment
    2.19% p.a.
    2.19% p.a.

    Enjoy a super low rate. $0 fees to consider. Fast and easy online application. Free redraw and free extra repayments. Flexible payment terms. Min 20% deposit required.

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    Discounted Variable Home Loan

    Owner Occupier, Principal & Interest

    variable rate
    comparison rate
    Initial monthly repayment
    2.69% p.a.
    3.10% p.a.

    Enjoy a great low rate with no ongoing fees. Ability to split your loan between fixed and variable. 100% offset account. $2,000 cashback offer for investor & owner occupied home loans over $250k with LVR ≤80% when refinancing to Newcastle Permanent. Limited time offer extended, T&Cs apply.

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    Prime Home Loan

    Owner Occupier, Principal & Interest, LVR <70%

    variable rate
    comparison rate
    Initial monthly repayment
    2.44% p.a.
    2.49% p.a.

    Competitive low variable rates for borrowers with 30% deposit. Flexible home loan with no ongoing fees. Extra repayments and redraw available. Get a dedicated specialist for the loan application process.

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    Mozo Experts Choice 2021
    Evaporate Variable Home Loan

    60-70% LVR, Owner Occupier, Principal & Interest

    variable rate
    comparison rate
    Initial monthly repayment
    2.09% p.a.
    2.02% p.a.

    Fast online application with no fees. Free extra repayments and redraw facility. Min 20% deposit. Crowned Best New Home Loan for 2020 by the Mozo Experts.^

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    Budget Home Loan

    LVR <90%, Owner Occupier, Principal & Interest

    variable rate
    comparison rate
    Initial monthly repayment
    2.43% p.a.
    2.49% p.a.

    Competitve low interest rate for owner-occupiers with at least a 20% deposit, and no upfront fees. Free extra repayments and redraw. Zero ongoing fees.

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    Basic Home Loan

    Owner Occupier, LVR<80%, Principal & Interest

    variable rate
    comparison rate
    Initial monthly repayment
    2.24% p.a.
    2.24% p.a.

    Flexible loan structure – create up to six loan accounts with different rate and repayment types. Free redraw from your loan using Macquarie Online.

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    Back to Basics Special

    LVR<80%, Owner Occupier, Principal & Interest

    variable rate
    comparison rate
    Initial monthly repayment
    2.44% p.a.
    2.45% p.a.

    No monthly account keeping fee, no ongoing annual fee and no loan establishment fee on new lending of $150,000 or more.

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    Equity Plus

    Owner Occupier, Principal & Interest, LVR <60%

    variable rate
    comparison rate
    Initial monthly repayment
    1.87% p.a.
    1.90% p.a.

    Low rate variable home loan with optional offset. Free online redraw. No valuation fee. Purchase, refinance or equity release purposes allowed. Min 40% deposit.

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    Green Home Loan

    Owner Occupier

    variable rate
    comparison rate
    Initial monthly repayment
    2.08% p.a.
    2.36% p.a.

    Great low rate on investment loans when you package with your owner-occupied loan.

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    Mozo Experts Choice 2021
    Liberate Variable Home Loan

    70-80% LVR, Owner Occupier, Principal & Interest

    variable rate
    comparison rate
    Initial monthly repayment
    2.19% p.a.
    2.08% p.a.

    Fast online application with no fees. Free extra repayments and redraw facility. Min 20% deposit. Athena automatically lowers the rate as the loan is paid down. Winner of three Mozo Expert's Choice Awards for 2021.

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    Discount Variable Home Loan

    Owner Occupier, LVR<70%, over $700,000

    variable rate
    comparison rate
    Initial monthly repayment
    2.39% p.a.
    2.44% p.a.

    No monthly administration fees. Ability to make extra repayments and redraws. A great low rate. No ongoing fees. Experience the difference this established bank has to offer.

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    Basic Variable

    Owner Occupier, Principal & Interest, LVR <80%

    variable rate
    comparison rate
    Initial monthly repayment
    2.39% p.a.
    2.44% p.a.

    Compare
    Details
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    Economy Variable Home Loan

    Owner Occupier, Principal & Interest, <70% LVR, Debt to Income ratio <6

    variable rate
    comparison rate
    Initial monthly repayment
    1.98% p.a.
    2.15% p.a.

    An ongoing low variable interest rate with free redraw, flexible repayment options and one free valuation. Discounted Economy variable rate available for owner occupier lending with max LVR of 70%.

    Compare
    Details

^See information about the Mozo Experts Choice Home loans Awards

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

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Variable home loan rates Australia

Are you looking for a flexible home loan with low fees, an extra repayments facility and the ability to redraw on that cash? Then a variable rate home loan could be just the ticket.

But that doesn't mean there aren't some catches to watch out for. So to help you navigate the wondrous world of variable home loan rates in Australia we've created this quick cheat sheet.

Are you a first home buyer? We also have a great range of articles, tips and tools designed specifically with first timers in mind. So head on over to our dedicated first home buyers hub for everything you need to know about purchasing your first home and getting your first home loan like a pro.

What is a variable rate home loan?

A variable rate home loan is a home loan where the interest rate charged is determined by current market interest rates. This means that the interest rate can vary depending on how high or low market interest rates are.

So if market interest rates are up, then the variable interest rate on your home loan may also go up. And on the flipside of that, if market interest rates are down, then the interest rate on your home loan may also go down, meaning that you'll pay less in interest.

Are there different types of variable rate home loans?

The great news is that as a borrower you've got a lot of choice
when it comes to variable rate home loans, as these are the most popular
loan type in Australia. Most banks, credit unions and online lenders
will have a number of different variable home loan products to choose
from.

Options may include:

  • Introductory rate home loan. Sometimes called “honeymoon” rate loans, these offer a low variable rate for an initial set period (usually 1 - 3 years) which reverts to the loan’s standard variable rate once the introductory period ends. If you’re considering one of these loans be sure to check that the revert rate is competitive, as you don’t want to end up paying more than you should be after the introductory rate ends. 
  • Basic home loan. Like the name suggests, you’ll get little in the way of features in return for a lower interest rate than a full feature loan. If you don’t need bells and whistles like an offset account or unlimited free extra repayments then a basic home loan could be a good money saving option.
  • Full feature loan. A full feature home loan is a loan that has flexible features and other bells and whistles like an offset account facility, free extra repayments and  a free redraw facility. You might pay an annual or monthly service fee for a full feature home loan but the extra fees can be worth it for the added flexibility and benefit of using an offset account to reduce your interest.
  • Variable rate package. If you’re borrowing over $150,000 you may qualify for a packaged home loan, where you get a lower interest rate if you bundle other products like a credit card and bank account with your home loan provider. You will generally pay an annual package fee for this type of loan but the rate discounts can be substantial, especially if you are borrowing a large amount of money.
  • Standard variable rate. This usually refers to a 'reference rate' that the provider uses to calculate margins for the rates applied to the rest of their variable rate loan options. Standard variable rates are not restricted by loan-to-value ratio (LVR) or loan amount. They should have all of the flexibility options offered by the provider including an offset account, loan portability and the ability to split between fixed and variable rates.

Compared to their fixed rate counterparts, variable rate home loans can help give borrowers more flexibility with their home loan, since rates depend on fluctuations in the market. These interest rates can also come with minimal fees and handy repayment options, like extra repayments or a redraw facility. But that doesn’t mean you should choose the first offer that you see. In fact, by taking the time to shop around for variable interest rates, you could wind up saving thousands over the life of your loan. Our Home Loans Interest Rates page can help you compare some of the current variable home loans rates around.

What features to look for in a variable rate home loan?

Every home loan will have its pros and cons. The challenge for every borrower is to decide on which option will best suit your financial situation and your lifestyle. Look for:

  • Competitive interest rate. Your interest rate will determine how much your repayments will be each month so you will want to put time and effort into finding a home loan with a competitive rate. Don't be swayed by low headline or honeymoon rates - be sure to also review the comparison rate which takes into account revert rates and fees over the life of the loan. Bear in mind though that variable rates can change over time. So if in a few years' time you feel that your rate is no longer as competitive as it once was, then you will have the option to refinance, given that you've built up enough equity in your home. 
  • Flexible features. One of the top reasons for choosing a variable rate home loan over a fixed rate home loan is the features that can help you to minimise the cost of your loan. Having an offset account or making extra repayments without penalties will save you money but only if you use them properly. With an offset account, for instance, any cash you stash inside will be subtracted from your loan principal amount so you'll only need to pay interest on the remaining sum. But having more of these perks at your disposal could mean a higher interest rate or more fees. The rule-of-thumb here is to avoid paying for features you will never use.
  • Low fees. There are upfront fees that you may be required to pay when you take out the home loan like an application fee or a valuation fee, and there are also ongoing fees which might be charged monthly or annually. It's important to weigh up the cost of these in relation to the interest rate you will pay on your loan. Sometimes, you are better off paying a small ongoing fee to get a lower interest rate than paying no fee with a higher rate.

How do repayments for variable interest rate mortgages work?

Just like any mortgage repayments, you will be required to pay back part of your variable interest rate home loan once a month. How much you pay back each month will usually be determined by the following factors:

  • How much you borrowed initially - this is usually referred to as the principal amount of your loan.
  • The lifespan or length of your loan - this is how many years you have opted to pay back your loan over.
  • How market interest rates are doing - if market interest rates drop, then home loan variable rates may also drop, and vice versa.  

The amount you pay each month will be a portion of the principal amount, plus interest accrued, as well as any ongoing fees. To do your own numbers crunch, head on over to our mortgage repayment calculator and get an estimate for the size of your monthly repayments. 

Picture of JP Pelosi
JP Pelosi
Managing editor

Jean-Paul (JP) Pelosi is an experienced journalist and editor who has contributed to many of Australia's leading media outlets including The Guardian, News.com.au, Domain.com.au, Investment Magazine and ANZ's Bluenotes. He has also edited news and communications for large financial services companies such as CommBank, Suncorp, Allianz and Amex. He loves a well told story and applying his editorial experience to content that readers both care about and enjoy. JP heads up our writing team.

More Variable Rate Home Loan FAQs


What are variable loan rate tiers? 

Many variable home loans come with rate tiers, which means that the borrower will be offered a different rate depending on what criteria they meet. For variable rate home loans, there are two main conditions that could influence the rate you end up with: how much you are borrowing and your loan-to-value ratio. Sometimes it can be a combination of both factors.

Loan amount: Lenders traditionally reserve their most competitive rates for customers who borrow more money. So the higher your loan amount, the more competitive the interest rate may be. Each lender will have their own rate tier structure but as a general rule of thumb, package discounts kick in when you are borrowing more than $150,000, with the size of the discount increasing in line with the size of your loan.

Loan to value ratio. The other factor that could affect your home loan rate is the loan-to-value ratio or LVR. Some loans have LVR requirements of 80% and below to qualify for the most competitive rate. This means that you will need to have at least a 20% deposit or equity stake in the property to get the home loan. There has also been a growing trend of lenders introducing even more competitive rates at lower LVR tiers of up to 70% or 60%. On the flipside, if you haven’t saved up a big deposit, some loans will allow you to borrow up to 90% or 95% of the property value. But this increased risk to the lender means that you may have to pay a higher interest rate and also be required to bear the hefty cost of lenders mortgage insurance.


Is it better to have a fixed or variable rate home loan? 

Both fixed and variable rate home loans will have their pros and cons. As a borrower, it’s important not to try and ‘time the market’ but rather to review all options carefully and choose one that is going to best suit your financial situation or comfort level. 

For instance, if you are nervous about the impact that a rate rise will have on your household finances, then opt to fix some or all of the loan. A key advantage of fixed rate home loans is that your repayments won’t change over the term of your loan, making budgeting easier. 

However if flexibility matters more to you than certainty, then a variable rate home loan may be more suitable. The pros of a variable interest rate include: 

  • Lower repayments if interest rates fall

  • Extra features such as an offset account and the ability to make unlimited fee-free extra repayments, which can save you money over the life of your loan.

Then what about if you want the best of both worlds? Some lenders give borrowers an option to split their home loan between a fixed rate and a variable rate. This allows you to lock away a portion of your home loan to protect yourself if interest rates rise, but you also get to use the variable portion of your loan to get the most out of flexible features.

How might rate changes affect my home loan?

Variable rates tend to follow the fluctuations of the broader economy. If market interest rates drop, the variable rate charged on your home loan may also drop. On the flipside, if market rates rise, your lender may hike up your variable rate to match.

This is exemplified whenever the Reserve Bank of Australia (RBA) reduces the official cash rate. Many lenders follow suit by passing the full cut or a partial cut onto your home loan. It’s worth noting though that such a move isn’t compulsory; instead it’s recommended and can help the lender stay competitive. 

With this in mind, taking out a variable rate home loan does mean you’ll have to prepare for possible increases in interest rates, but it also means that you could benefit from any interest rate cuts that you might not have with a fixed rate home loan.

When is it a good idea to take out a full feature home loan?

The key reason to take out a full feature home loan is to benefit from more flexibility in how you make your repayments, which could also help you budget better and save on interest. Full feature home loans often include an offset account facility, an unlimited number of free extra repayments and  free redraws.

At a minimum, this type of home loan usually comes with a free redraw facility and free extra repayments. This combination is great because you can put every spare dollar towards your mortgage and shorten the life of your loan, while the redraw facility allows you to get those funds back if you really need them.

What is an offset account?

An offset account is a transaction account that is linked to your home loan. Having this type of account means you could pay less interest on your home loan. The funds in the transaction account are offset daily against the balance of your home loan and you are only charged interest on the difference between the two.

For example, if you have a home loan of $400,000, you’ve already paid off $80,000 and you have $200,000 in an account that is being 100% offset, you would only pay interest for $120,000 of your loan. This means that you would be paying less interest, as you are being charged interest on a smaller amount.

Where can I find great variable home loan rates?

One thing to keep in mind when searching for a competitive variable interest rate home loan is that you will probably have a lot of options. Certainly more options than you may have had, say, 10 years ago.

This is definitely a good thing, because it means you can be more choosy and you won’t be restricted to what the big four banks have to offer. These days you can take out a home loan with a credit union, an online bank, a neobank and even a dedicated online home loans lender.

An online bank or lender will often have a much more competitive interest rate to offer, as it has never had to deal with the overhead costs that come with having a physical branch.

Of course while a great price is worth chasing after, it is also good to make sure you’re getting all the features and flexibility you need for that price. So when you’re comparing home loans, make sure you’re comparing the whole package, including price, features and flexibility.

What's the best variable rate home loan in Australia? 

If you're looking for one of the most competitively priced variable rate home loans in Australia, then our annual Mozo Experts Choice Home Loan Awards is a good place to start your search. In the 2021 awards, our expert judges assessed 304 variable rate owner occupier home loans for the Low Cost Home Loan category in order to find the best of the bunch. Investors weren't left off the table either, with 249 variable rate investment loans considered for the Investor Home Loan category. 

How can Mozo help you find the right variable rate home loan?

Now that you've read up on all the things you'll need to consider when choosing a variable rate home loan, now's the time to compare your options and this is where the tools on our site come in.

First up is the market snapshot table which lists some of the current top home loan deals available from a range of lenders. You'll find this at the top of this page.

If you want to delve deeper and compare all the home loans in our database - that's over 400 home loans - use our home loan search tool which will find options based on your requirements including interest rate type, your borrowing size and the value of your property. 

If you are refinancing and looking to switch home lenders we also have a tool specifically designed for you. Our free online Switch & Save Calculator compares your existing home loan against the market and gives you a personalised report showing you which home loans will save you the most in interest and fees if you switch.

Another unique element of our site is that you can also read up on real customer experiences with our home loans ratings hub. We've got customer reviews of major banks, credit unions even online lenders like UBank and Loans.com.au. If you want the experts' opinion, head on over to our Experts Choice Home Loans Awards page for our top picks of the best value home loans in the market.

And for the number lovers out there we've got a range of home loan calculators that you can play around with until your heart's content. We can help you work out how much you can afford to borrow to how much your repayments could be depending on the term of the loan.

Finally, you can prepare for a rate rise with our rate change calculator, which will calculate your actual monthly repayments, should interest rates go up.

If you want more information to help you make an informed decision, head on over to our guides section.

Home Loan Reviews

Macquarie Home Loan
Overall 1/10
Banks somewhere else, they charge loyalty tax

The banks service has gone down hill. Now they give a 1300 number to ring and the wait times are awful. I've tried to get the bank to match the new customer home loan rate after being a loyal customer for 10 years and they keep refusing to review the rate. They are very poor in responding to emails and are very fast to raise rates when they can. Avoid at all costs.

Read full review

The banks service has gone down hill. Now they give a 1300 number to ring and the wait times are awful. I've tried to get the bank to match the new customer home loan rate after being a loyal customer for 10 years and they keep refusing to review the rate. They are very poor in responding to emails and are very fast to raise rates when they can. Avoid at all costs.

Price
1/10
Features
4/10
Customer service
1/10
Convenience
6/10
Trust
1/10
Less
Tara, Australian Capital Territory, reviewed about 18 hours ago
UBank UHomeLoan - Investor Extra Offer
Overall 1/10
Avoid.

Awful customer service. Very slow to deal with. String you along for a couple of weeks then find roadblocks to progress with loan application. You will loose contracts relying on this bank.

Read full review

Awful customer service. Very slow to deal with. String you along for a couple of weeks then find roadblocks to progress with loan application. You will loose contracts relying on this bank.

Price
5/10
Features
3/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Kris, Queensland, reviewed about 18 hours ago
Westpac Equity Access (Premier Advantage Package)
Overall 1/10
very slow application service. poor customer care

After losing a house i was about to purchase after the cooling off period being extended 3-4 times, purely because westpac weren't on the ball and didn't finish the application for 3 months, i have nothing but bad things to say about them. I would call them everyday asking to talk to someone but constantly being told "this application cannot be escalated any higher" or "i'm not authorised to give you that sort of information" or after being asked to get put through to a manager i would be told " im sorry im not allowed to do that". Each time i called i would be on the phone for at least half an hr before i could actually speak to someone. I lost my 0.25% deposit and i was lucky to get my 10% deposit back just because the vendor and real estate agent were so understanding. This one really made me have my doubts about westpac. But after the first application with them, I thought the 2nd application (for another house I eventually found) would be a lot quicker and easier as they already had all of my information. But that wasn't the case. I am currently in the process of the purchase of new house, and i was supposed to get the keys early this week, until westpac have told us they are not ready to proceed with the purchase (2 months after the offer was first accepted), luckily the vendor is happy to accept a extended settlement date by a week . But I still have my doubts that Westpac will have their shit sorted in time. they still dont give out information and still let you stay on hold for hours per week. I am not confident we will get our 10% deposit back this time and I am absolutely filthy with Westpac and their terrible service. I cannot explain the stress this has put me and my family under and I would not wish this on anyone. Strongly advise looking at any other bank other than westpac

Read full review

After losing a house i was about to purchase after the cooling off period being extended 3-4 times, purely because westpac weren't on the ball and didn't finish the application for 3 months, i have nothing but bad things to say about them. I would call them everyday asking to talk to someone but constantly being told "this application cannot be escalated any higher" or "i'm not authorised to give you that sort of information" or after being asked to get put through to a manager i would be told " im sorry im not allowed to do that". Each time i called i would be on the phone for at least half an hr before i could actually speak to someone. I lost my 0.25% deposit and i was lucky to get my 10% deposit back just because the vendor and real estate agent were so understanding. This one really made me have my doubts about westpac. But after the first application with them, I thought the 2nd application (for another house I eventually found) would be a lot quicker and easier as they already had all of my information. But that wasn't the case. I am currently in the process of the purchase of new house, and i was supposed to get the keys early this week, until westpac have told us they are not ready to proceed with the purchase (2 months after the offer was first accepted), luckily the vendor is happy to accept a extended settlement date by a week . But I still have my doubts that Westpac will have their shit sorted in time. they still dont give out information and still let you stay on hold for hours per week. I am not confident we will get our 10% deposit back this time and I am absolutely filthy with Westpac and their terrible service. I cannot explain the stress this has put me and my family under and I would not wish this on anyone. Strongly advise looking at any other bank other than westpac

Features
5/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Luke, Victoria, reviewed about 18 hours ago
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