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Unlocking the path to homeownership: Best home loans in 2025 revealed

Mozo experts award Tiimely Home as Australia’s best home lender in 2025 after analysing 444 home loans from 97 lenders.

13 February 2025

Couple in the kitchen looking at home loans on a laptop next to mozo experts choice awards badge

Today, Mozo is excited to reveal the best home loans in Australia, as part of the Mozo Experts Choice Home Loan Awards for 2025.

Mozo experts have crunched the numbers, comparing thousands of different interest rate options, loan to value ratios and features across 444 home loan products from 97 lenders to find this year’s top lenders.

“The Mozo Experts Choice Home Loan Awards for 2025 can help Aussie consumers make more informed financial decisions,” says AJ Duncanson, Data Director and Mozo Experts Choice Awards Judge.

“Choosing the right home loan is a big decision, but sifting through hundreds of options from dozens of lenders can be exhausting, and very time-consuming.”

The experts at Mozo recognised industry leaders across 10 award categories from home loans with offset accounts, to package deals, to green mortgages. Mozo experts highlighted the lowest cost and best value home loans, as well as those offering market-leading features, to give Australian consumers a shortlist to start their home loan comparisons. 

“That’s why the Mozo winners list is an invaluable resource. It can offer new buyers and refinancers a solid starting point to compare home loan options tailored to their needs,”  says Duncanson.

While not every product on the market will be included, Mozo ensured an extensive analysis by looking at every Authorised Deposit-taking institution (ADI) in Australia and as many non-bank lenders as possible.

Identifying the winning brands

The Mozo Experts Choice Awards are a highly trusted authority among Aussie consumers, as winners are awarded irrespective of any commercial relationship. “Mozo winners are recognised solely on merit, and lenders across a wide range of categories are recognised to help borrowers pick the best home loan for them,” says Duncanson. 

In the 2025 awards, Mozo recognised the best home lenders across 10 key award categories, Low Cost Home Loan, Offset Home Loan, Packaged Home Loan,  Fixed Rate Home Loan, First Home Buyer Loan, Best Green Home Loan, Investor Home Loan and Investor Fixed Home Loan.

Tiimely Home takes out the title Australia’s Best Home Lender

After analysis of 97 home loan providers, Tiimely Home came out on top as Australia’s Best Home Lender for 2025 – winning accolades in four different categories.

Tiimely was highlighted as a winner in the Low Cost Home Loan, Fixed Rate Home Loan, Offset Home Loan and First Home Buyer Loan categories, and ranked highly in both the Investor and Investor Fixed Rate categories. 

“Tiimely Home’s loans continue to be priced competitively, which makes them a solid choice for a wide range of consumers. Whether you’re a first home buyer or looking to refinance, Tiimely Home offers great value and flexibility.” says Duncanson

“Looking at the multiple wins across various categories makes Tiimely Home a deserving winner of our 2025 top home loan award.”

Exceptional Value Home Lenders

To find the lenders offering the most exceptional value home loans, Mozo experts first looked at lenders who had won a Low Cost Home Loan Award, then analysed how they ranked across all of the other award categories.

“This award category recognises the best value lenders, who also offer competitive home loans for a range of different borrower needs,” explains Duncanson. 

“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,” 

After Mozo’s analysis five home lenders stood out as offering exceptional value for Aussie mortgage holders:

Bank Australia wins Best Green Home Loan Award

Bank Australia’s Clean Energy Home Loan is the winner of Mozo’s Best Green Home Loan Award for 2025, and was the only lender recognised in this space. 

“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,” says Duncanson.

“This is an important category in the Mozo Experts Choice Awards, as we believe it’s important to reward borrowers for going green with lower rates and potentially much lower energy costs.”

The Clean Energy Home Loan is one of only four loans supported by the Clean Energy Finance Corporation (CEFA), a Federal Government backed organisation helping Australia transition to net zero emissions by 2050. CEFA helps lenders incentivise Aussie consumers who buy or build green homes, or make green upgrades to their home through lower interest rates.

Mozo Experts Choice Award winners

Low Cost Home Loan

Offset Home Loan

Packaged Home Loan

Fixed Rate Home Loan

First Home Buyer Loan

Investor Home Loan

Investor Fixed Home Loan

To see the full list of winners, and details on how the winners were chosen, you can read the methodology report here.