Every lender review on this site is written by the same Brisbane broking team that places home loans across a 30+ lender panel every week. It’s not a content team working from a spreadsheet. A handful of reviews cover direct-only or closed lenders we can’t place through; those are researched to the same standard and say so up front. This page sets out exactly how we research, write and update our reviews, how we’re paid, and what our reviews do and don’t cover.
How do we review lenders?
Hunter Galloway has been placing home loans for 14 years, and we currently hold a panel of 30+ lenders: from the Big Four to specialist non-banks and customer-owned mutuals. Every review is built from what we actually see on the desk, cross-checked against three sources:
- Live policy data from broker tools, including Quickli, which tracks each lender’s current credit policy, servicing calculators and product rules.
- The lender’s own official product pagesand policy documents, for anything Quickli doesn’t cover.
- Verified outcomes from real client fileswhere we’ve settled loans with the lender: turnaround times, servicing quirks, and where policy on paper differs from policy in practice. For the handful of direct-only or closed lenders we can’t place through, we rely on published sources instead and say so on the page.
Every review carries a named author from our brokerage and a fact-checked date, so you can see exactly who stands behind it and how current it is.
Why don’t we publish interest rates?
You won’t find rate figures on our lender review pages, and that’s deliberate. Advertised rates date within days. The rate you’d actually be offered depends on your loan-to-value ratio, the specific product and package you choose, and the lender’s current pricing tier for your situation. A number printed on a review page today can be wrong by the time you read it.
Rather than a stale number, we run a live, like-for-like comparison across our panel for your actual scenario. That’s the only way to know what you’d really be offered. Call 1300 088 065 or get a free assessmentand we’ll run the comparison for you.
How do we make money?
Mortgage brokers in Australia get paid commissions from the banks. There is no cost to you as the client. We do the same work a branch manager would do in putting together your application, so the lenders pay us for that service, not you.
Brokers are also bound by the Best Interests Duty: by law, our recommendations have to be in your best interests, not driven by which lender pays the biggest commission. That duty, not the commission structure, is what shapes which lender we suggest for your situation.
What do our reviews cover, and what don’t they?
Our reviews cover the 30+ lenders on our panel. That’s a broad cross-section of the Australian market, but it isn’t every provider. We don’t compare every lender in the market, and a lender’s absence from our reviews isn’t a comment on its quality.
- Each review reflects that lender’s policy as at the fact-checked date shown on the page. Lender policy changes regularly, so always confirm current terms with us or the lender before you apply.
- Some lenders we review are direct-only and can’t be arranged through a broker. Where that’s the case, we say so plainly on that lender’s review.
How are our ratings and verdicts formed?
Our verdicts are qualitative broker judgement, not a scored formula and not a paid placement. When we say a lender is strong on a particular policy niche, or that it suits a particular type of borrower, that’s our team’s honest read based on the policy detail and the outcomes we’ve seen. No lender pays for a better write-up or a higher position on this site.
Where a review mentions an award or badge, it belongs to the lender or to Hunter Galloway, not to a review platform. We describe what it’s for wherever we reference it.
Where can I find complaints and licensing details?
Hunter Galloway’s Australian Credit Licence details, AFCA (Australian Financial Complaints Authority) membership, and our full complaints process are set out in the site footer and in our Credit Guide. If something in a review looks out of date or wrong, tell us on 1300 088 065 and we’ll fix it.
This page describes our editorial and commercial process for the lender-reviews section of huntergalloway.com.au. It doesn’t replace the Credit Guide or any disclosure document we’re required to give you before providing credit assistance.