Our all in one package for first home buyers makes it easy, plus you can save when you combine a home loan, credit card and transaction account. Available for Owner Occupiers only.


  • No establishment fee
  • No package fee
  • No monthly service fee on transaction account
  • No annual fee credit card for the first year
  • 100% offset account
  • Redraw available5
  • Unlimited extra repayments
  • Up to 40 year term available4
2.64 % p.a. Interest rate 2.66 % p.a. Comparison rate

We’re proud to be working alongside the Australian Government providing support for buying a home through the First Home Loan Deposit Scheme, New Home Guarantee and Family Home Guarantee to help even more Australians realise their dream of home ownership. 


Check your eligibility on the National Housing Finance and Investment Corporation (NHFIC) website


We're ready to help you via our online home loan application, online enquiry form, 1300 364 400 or through a Mobile Lender or Service Centre.

If you're ineligible for these initiatives, we'll work with you to explore other options to help you get into your first home. 

Mozo Experts Choice 2020 Awards

Awards 2020

Product Features:

Home Loan Features
Minimum loan amount : No minimum
Maximum LVR : 80%; 95% with First Home Loan Deposit Scheme or New Home Guarantee; 98% with Family Home Guarantee (dependant on loan purpose and security offered)
Maximum LVR with Lenders Mortgage Insurance : 95% (subject to approval)
Get Ahead Start Guarantor (borrow up to 100% LVR) : Yes
Maximum loan term : 40 years
Interest calculation : Calculated daily, charged monthly
Repayment type : Principal & Interest
Repayment frequency : Weekly, fortnightly or monthly
Establishment fee : $0
Monthly loan fee : $0
Package fee : $0
Extra repayments : Unlimited
Interest offset : Yes
Redraw : Yes
Pre-approval : Yes
Loan preparation fees : At cost
Increase/top up : Yes
Second mortgage security : Yes
Vacant land as sole security : Yes

Mozo Experts Choice 2020 for the Split Home Loan category (First Home Loan Premium Package / 1 Year Fixed Rate) awarded in April, 2020.