Home loan lenders

What this list covers

These counts are distinct products with at least one usable advertised rate option. Different rate options for the same product count once. Products hidden from public results do not count. A listed product may still not match your loan details.

We are constantly reviewing more lenders and some specialist or broker-only ranges. These known gaps come from our current coverage review. They are not a complete list of every missing lender. Seen a gap? Let us know.

• Connective Elevate: Its starting rates depend on borrower details that our filters do not yet collect.
• Judo Bank: Its home loans are restricted to existing business-lending customers.
• MA Money: Its published rate guide is for brokers and gives indicative starting prices.
• MCCA: Its finance uses a different payment structure that our interest-rate comparison cannot represent fairly.

Some names belong to white-label ranges funded by the same institution. The lender count is a count of displayed names, not independent lending groups.

We record lender-link visits, but they do not change the order. Comparison rates use a lender’s standard example loan, so check current rates, fees and terms with the lender before deciding.

How to compare home loan lenders

Start with the same loan amount, property value and term for each lender. Then check whether you are buying or refinancing, and whether the home will be owner-occupied or an investment. A lender may advertise several rates for one product, depending on those details and how much of the property value you borrow.

Look beyond the interest rate. Compare upfront and annual fees, estimated repayments and features you would use, such as an offset account or extra repayments. Before applying, ask each lender for a Key Facts Sheet based on your likely loan amount. It gives you a consistent way to compare loans. ASIC’s guide to choosing a home loan explains what to check.