Australian Lender Reviews

Compare Australian banks and home loan lenders below. Each review explains what the lender offers, where it may suit you and the details worth checking before you apply.

We look beyond the advertised rate: how the lender counts your income, how much deposit you need, which properties it accepts and what the loan will cost to use. That's the same approach we take when comparing options for our clients.

A lender that suits someone on a steady salary may assess overtime or business income differently. Start with the part of your application that needs a closer look. Each guide explains the options and points you towards relevant lender reviews.

Your income. Salary, overtime, allowances, casual work and business profits aren't always counted the same way. Your broker should check which parts of your income each lender can use and what evidence is needed.

Your deposit. We’d normally compare the total amount you need upfront, including purchase costs and any LMI. A professional waiver, government scheme or family guarantee may change your options, but each has its own requirements.

The property and timing. Some lenders have limits on apartment size, location or property type. We’d check the lending requirements early, particularly if you have a finance deadline. Your solicitor or conveyancer handles the legal checks on the contract and title.

The cost and features. Compare the rate you qualify for, ongoing fees, offset accounts and repayment options. If you're refinancing, include switching costs and any break costs confirmed by your current lender.

Your credit history and existing debts. Credit cards, other loans and past repayment issues can affect an application. We’d talk through those upfront so the lenders we compare make sense for your circumstances.

These guides cover pre-approval, everyday accounts and choosing a bank that reflects your priorities.

Tell us what you want to do, how you earn your income and what you have saved. We’ll work through the lenders available to us and explain why the options we shortlist may suit you, including the costs and conditions that matter.

Some lenders in this directory only accept direct applications, and others have stopped offering new loans. We'll tell you whether we can arrange the loan you're interested in.