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 on the First Home Loan Deposit Scheme to help even more first home buyers realise their dream of home ownership. 

If you're ineligible for the Scheme, 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 (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.