Compare home loans

Compare 301 home loans from the 29 providers including Aussie, Westpac, Commonwealth Bank, NAB, ANZ, HSBC, Citibank.

The mortgage comparison tool below will help you find the exact mortgage to suit your needs.

The table below shows the mortgage interest rates as well as the mortgage comparison rates for each lender's products. To find out more about each mortgage and to compare home loans, simply tick the box of the relevant product and click the 'Compare' button.

All product information comes from the product provider or an affiliate and to the best of our knowledge is correct at time of publishing. Money Buddy endeavours to keep product information up to date however we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. We recommend that you check the accuracy of all information provided on this website with the product provider. Money Buddy earns a referral fee from redirecting website users to a product provider's website. Further details are provided in relation to specific product information. Website users have no obligation to apply for a product or service that they may be referred to by this website.

Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

What To Look Out For In Your Mortgage Comparison

For some people after a cheap home loan, the mortgage rates comparison is all that is needed. However the other features of the loan are also very important and it is a good idea to do more than just compare mortgage rates. The other features that you should look out for are things such as the fees of the loan, the options to pay early, make extra repayments or redraw on your mortgage, the amount required for a deposit, and the length of the loan. These features will all be shown on the mortgage comparison page, after you click 'compare'.

Another thing you should remember when conducting a home loan interest rate comparison is whether that interest rate is a fixed rate or variable rate.

Fixed Rate vs. Variable Rate

Fixed rate home loans give you piece of mind for a set period. Although fixed home loans are usually at a higher interest rate than variable, this fixed rate won't move for the set period, usually up to ten years. This means you can carefully budget your repayment and plan your future, without the worry that interest rates may rise.

A variable rate home loan means that the interest payments will vary if the bank decides to change interest rates, usually due to the RBA lowering or raising the cash rate. This can be good if rates drop, because it means you will have more cash leftover after making your payments, however if rates rise, you could be left unable to afford repayments.

Even the best and brightest economists have trouble predicting the future of cash rates and interest rates, so be careful not to base your budget on predictions of a rate drop in the future. Allow yourself a lot of room to move, if interest rates rise by just one percent, the average mortgage holder would have to find an extra $540 a year!

Check The Comparison Rate!

The comparison rate is very important as well, as this shows the true rate of the mortgage when costs such as fees and charges are included. This should be looked at to provide you with an even more thorough interest rate comparison.

Compare, Compare, Compare!

After you compare home loans you should now compare the houses you are going to buy. There are many things to look out for that a lot of first home buyers miss. Check out our What To Know Before Buying A Home guide.

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