Mozo has revealed its top selections for home loans in Australia as part of the 2025 Experts Choice Home Loan Awards.
The announcement, timely ahead of the February monetary policy decision, follows a recent study by the firm, which found that a significant 71% of mortgage holders are depending on an RBA rate cut to effectively manage their payments.
The process analysed 444 loan products from 97 lenders.
Tiimely Home stood out significantly this year, securing the title of Australia’s Best Home Lender for 2025 and winning in multiple categories including Low Cost Home Loan and First Home Buyer Loan.
Overall, Mozo recognised the best home lenders in 10 categories such as Offset Home Loan, Packaged Home Loan, and Fixed Rate Home Loan.
Apart from the major categories, Mozo identified lenders who offer exceptional value, notably excluding the big four banks, which are all anticipating a rate cut on February 18.
Winners in this segment included Australian Mutual Bank, Community First Bank, Newcastle Permanent, People’s Choice, and Up.
“With the absence of any of the big four banks in this category, it’s clear that there are great opportunities for Aussie consumers to save outside the big banks, especially with customer-owned banks and digital lenders,” Duncanson said.
Bank Australia received the Best Green Home Loan Award for its Clean Energy Home Loan, spotlighting growing consumer interest in environmentally sustainable financial products.
“Bank Australia’s clean energy home loan is a great opportunity for Aussie consumers who want to reduce their environmental impact as well as their home loan costs,” Duncanson said.
The loan supports buyers who are looking to minimise their environmental impact, aligning with broader governmental goals for emission reductions by 2050.
The complete list of winners, awards methodology, and detailed analysis are available on the Mozo website.
