Compare, Ditch and Switch

Compare everything from home loans to credit cards with this new rate comparison site brought to you by Mozo.

 

Lowest rate credit cards

Click on the tabs to see the cheapest credit cards by interest rate and total cost. Comparisons powered by Mozo.

[last updated 31 October 2014]
  1. 1.
    8.99%
    Community First Credit Union
  2. 2.
    9.99%
    Victoria Teachers Mutual Bank
  3. 3.
    10.12%
    Maritime, Mining & Power Credit Union
  4. 4.
    10.14%
    bankmecu
  5. 5.
    10.49%
    Beyond Bank
    Low Rate
  6. 7.
    10.96%
    Police Bank
  7. 8.
    10.99%
    Virgin Money
  8. 10.
    11.50%
    Teachers Mutual Bank

*Ongoing interest rate on purchases.

  1. 1.
    $833
    Community First Credit Union
  2. 2.
    $911
    NAB
  3. 3.
    $981
    Teachers Mutual Bank
  4. 4.
    $999
    Maritime, Mining & Power Credit Union
  5. 5.
    $1,019
    QANTAS Credit Union
    Lifestyle
  6. 7.
    $1,046
    Police Bank
  7. 8.
    $1,075
    Defence Bank
  8. 9.
    $1,090
    bankmecu
  9. 10.
    $1,091
    Beyond Bank
    Low Rate

*Approximate cost in interest and fees over 3 years, assuming a $3,000.00 balance that does not earn interest-free days. Includes introductory offers.

Health check your credit card

Our information provider Mozo has developed a free online health check tool to take the headache out of comparing credit cards. Mozo compares your credit card with the market to tell you which cards will save you in interest and fees.

Health check your credit card

Compare all credit cards

Search the entire credit card market in seconds and compare cards on rates, fees, balance transfers and more.

Compare all credit cards

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Highest rate savings accounts

Click on the tabs to see the highest earning savings accounts by standard rate and promotional rate. Comparisons powered by Mozo.

[last updated 31 October 2014]
  1. 1.
    3.75%
    Virgin Money
  2. 2.
    3.40%
    Newcastle Permanent
  3. 3.
    3.25%
    Rural Bank ONE
    Saver
  4. 4.
    3.20%
    Arab Bank Australia
  5. 4.
    3.20%
    AMP
  6. 7.
    3.00%
    Bank of Sydney
  7. 7.
    3.00%
    Gateway Credit Union
  8. 9.
    2.96%
    UBank
    USaver

*Based on standard interest rate on a $5,000 balance

  1. 1.
    4.02%

    Bonus interest only applies on funds held in linked USaver account if $200 deposited into either account in the month.

    UBank
  2. 2.
    4.01%

    minimum deposit $200, no withdrawals

    RAMS
    Saver
  3. 3.
    4.00%

    Bonus rate until 30/11/2014

    Maitland Mutual Building Society
  4. 3.
    4.00%

    minimum deposit $50, no withdrawals, plus bonus 1% for 4 months

    IMB
  5. 3.
    4.00%

    Minimum deposit of $200 and no withdrawals in the month

    Bankwest
  6. 3.
    4.00%

    90 days notice required for withdrawals

    RaboDirect
  7. 3.
    4.00%

    No withdrawals in the month. Bonus rate for first 4 months, reverting to 2.70% bonus rate after

    HSBC
  8. 3.
    4.00%

    p.a. for customers who also have an Orange Everyday bank account and deposit $1,000 each month from an external source.

    ING DIRECT
  9. 3.
    4.00%

    bonus rate for 4 months

    Citibank
  10. 10.
    3.95%

    Minimum deposit $200, available for first 4 months

    Bank of Sydney

*Based on special interest rate on a $5,000 balance

Compare all savings accounts

Search the high-interest market in seconds for savings accounts ranked by rates, conditions and more. Comparisons powered by Mozo.

Compare all savings accounts

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Lowest rate home loans

Here's a list of the lowest rate mortgages ranked by comparison rate and divided into three lender types. Click on any loan for more on intro rates, benefits, fees and conditions. Comparisons powered by Mozo.

[last updated 31 October 2014]
  1. 1.
    4.62%
    UBank
    UHomeLoan
  2. 1.
    4.62%
    UBank
  3. 4.
    4.77%
    UBank
  4. 8.
    4.86%
    HSBC
  5. 9.
    4.87%
    Macquarie
  6. 10.
    4.88%
    Adelaide Bank

Products available for a $300,000 prinicpal and interest loan.
*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 $150,000 over 25 years, and applies only to this example. 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.

  1. 1.
    4.61%
    bankmecu
  2. 4.
    4.67%
    Community First Credit Union
  3. 5.
    4.74%
    Heritage Bank
  4. 5.
    4.74%
    Illawarra Credit Union
  5. 7.
    4.81%
    The Rock Building Society
  6. 8.
    4.87%
    Gateway Credit Union
  7. 10.
    4.90%
    People's Choice Credit Union

Products available for a $300,000 prinicpal and interest loan.
*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 $150,000 over 25 years, and applies only to this example. 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.

  1. 2.
    4.63%
    State Custodians
  2. 3.
    4.64%
    Yellow Brick Road
  3. 4.
    4.65%
    loans.com.au
  4. 5.
    4.66%
    iMortgage
  5. 6.
    4.69%
    Ratebusters
  6. 7.
    4.73%
    State Custodians
  7. 8.
    4.80%
    Homeloans
  8. 8.
    4.80%
    State Custodians
  9. 8.
    4.80%
    iMortgage
    Fusion 80
  10. More... click here for full top ten list.

Products available for a $300,000 prinicpal and interest loan.
*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 $150,000 over 25 years, and applies only to this example. 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.

Health check your home loan

Our information provider Mozo has developed a free online health check tool to take the headache out of comparing home loans. Mozo compares your home loan with the market to tell you which loans will save you in interest and fees.

Health check your home loan

Compare all home loans

Search the home loan market in seconds for fixed and variable loans ranked by rates, fees, repayments, and more.

Compare all home loans

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Lowest fee bank accounts

These bank accounts have no monthly fee, no withdrawal fee at own ATMs and free EFTPOS purchases, without conditions. Comparisons powered by Mozo.

[last updated 31 October 2014]

Compare all bank accounts

Search the market in seconds for transaction accounts including information on fees, rates and features.

Compare all bank accounts

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Highest rate term deposits

Click on the tabs to see the highest 1 year and 6 month term deposit rates. Comparisons powered by Mozo.

[last updated 31 October 2014]
  1. 1.
    3.61%
    Teachers Mutual Bank
  2. 2.
    3.60%
    Arab Bank Australia
  3. 2.
    3.60%
    CUA
  4. 2.
    3.60%
    ING DIRECT
  5. 5.
    3.55%
    RaboDirect
  6. 5.
    3.55%
    ME Bank
  7. 5.
    3.55%
    The Rock Building Society
  8. 8.
    3.50%
    Queensland Police Credit Union
  9. 8.
    3.50%
    firstmac
  10. 8.
    3.50%
    Bank of Sydney
  11. More... click here for full top ten list.

*Based on a $25,000 deposit over a 6 month term

  1. 1.
    3.70%
    CUA
  2. 2.
    3.65%
    ME Bank
  3. 3.
    3.61%
    Teachers Mutual Bank
  4. 4.
    3.60%
    RaboDirect
  5. 4.
    3.60%
    ING DIRECT
  6. 4.
    3.60%
    Rural Bank ONE
  7. 4.
    3.60%
    The Rock Building Society
  8. 4.
    3.60%
    Arab Bank Australia
  9. 9.
    3.55%
    Queensland Police Credit Union
  10. 9.
    3.55%
    ADCU
  11. More... click here for full top ten list.

*Based on a $25,000 deposit over a 1 year term

Compare all term deposits

Rip through the term deposit market in seconds for the special deals and highest interest rates.

Compare all term deposits

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Disclaimer

While every effort has been made to ensure the accuracy of this information, neither CHOICE nor Mozo will be liable for any errors or misdescriptions in the information, any false or misleading suggestions conveyed by the information or for any financial or investment decision you take as a result of CHOICE providing access to this service. Confirm product details and conditions with the financial institutions you're interested in. Choice of financial products depends on your individual requirements. Contact a number of providers and consider getting expert financial advice before committing yourself.

Mozo is licensed as an Australian Financial Services Licensee under Licence Number 328141 and a Credit Registered Person under the National Credit Act. Please see Mozo's Financial Services Guide, General Advice Disclaimer or Terms of Use for more information. Mozo legals: ABN 68 128 199 208.