Best Home Loans
Aussie Home Loans 🏆 2026
4.9We’ve helped over 1.5million + customers find the right home loan for them.
Aussie Home Loans 🏆 2026
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Last year I was assisted by Afrin Khan at Aussie Home Loans. Earlier this year she made herself available to answer some pertinent questions on… Read more
investment loans and information on loans for other family members such as grandchildren.
Nothing is too big or too small, or insignificant, no matter the questions. She goes above and beyond to ensure she has listened and answered all your questions and queries.
Her genuine professional nature, coupled with her wealth of expertise, truly makes her a "standout" person who can be trusted to deliver to the max.
I have the utmost respect for this amazing, professional mortgage broker and Aussie Home Loan expert.
I thoroughly and confidently endorse her services.
Ann Grenci
Lendi 🏆 2026
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Natalie was absolutely fantastic from start to finish in providing advice and facilitating the purchase of our investment property. She was so… Read more
knowledgeable, proactive and reliable and always presented several options for us to consider. She was always available to us, even in long weekends which was above and beyond and always very nice. The property purchase all went smoothly and we felt we were in excellent hands. Thanks so much Natalie.
Mortgage House 🏆 2026

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I received professional assistance from Krystyna Mustac as our mortgage manager. She has always communicated professionally and provided updates when… Read more
requested. Also I was able to call her directly to discuss progress and clarify some technical terms. She always returned my phone calls if she was not available when I contacted. I highly recommend Mortgage House for anyone who is looking for various types of loans.
Home Loan Experts
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I cannot speak highly enough of Mohit, Tisa and Lahana. They are a credit to Home Loan Experts and are an excellent example of what outstanding… Read more
customer service looks like. I would not hesitate to recommend them to anyone seeking assistance with a home loan.
Mortgage Domayne
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Excellent customer service Quick and efficient. Product and rate are the best we could find and be offered. Show details
Loan Gallery Finance
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We had an excellent experience working with our mortgage broker SANTOSH NAYAK. He is very knowledgeable, responsive, and guided us through every step… Read more
of the home loan process. He took the time to explain our options clearly and worked hard to secure a competitive rate that suited our needs. His communication and patience was outstanding, and he made what could have been a stressful process feel straightforward and manageable. Highly recommend to anyone looking for professional mortgage advice and exceptional service. We love coming back to him for any future services.
Loan Studio
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Great broker Steve Mottau and Joe Adriano have been my loan brokers for 5 years now. I have been getting my property and investment property… Read more
financed and refinanced multiple times. Steve is very proactive, professional, transparent, and highly customer-centric. He spends a lot of time understanding your requirements and providing multiple options for refinancing your loans that benefit you so you can pay lower interest and get the maximum tax benefit. He proactively approaches you if there is a better loan option and cashback provided by some banks, and helps you refinance your loan to get maximum benefit. I have refinanced my loan on my property a couple of times in the last 5 years and have got thousands of dollars in cashback and very good interest rates. Once you have decided on the bank, Joe comes in and helps you get all the documents in order and works with the bank to make the entire process seamless. I had to only review and sign the documents. The rest was handled by Joe. Both of them have been wonderful brokers, and I have recommended them to my friends.
Mortgage Ezy
Really great to deal with. Great communication and friendly staff. Show details
Loan Market
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Mathew found a range of home loans to choose from with some very competitive rates and features. The one we selected got us out of a higher interest… Read more
loan to save us $12,000 a year on the rate alone. Additionally it has a redraw and offset feature, with the offset feature saving us even more money as we save for a rainy day. This will help us do reduce our 30 year loan term by 10 years. Mathew's and the team's service at Loan Market Wollongong was exceptional, every detail was explained, all questions answered. Could not recommend their service more highly.
Future Assist Group of Companies
Very satisfied with service we have received for the last 15 years.
Pepper Money Home Loans

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Simon was extremely knowledgeable, had a great customer service, adn a very nice person. I had an amazing experience
Homestar Finance
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This review is the truth, fact, and provable. I have a loan with them. I wanted a home equity loan. [Name Removed], deliberately took my appointment… Read more
made to another loan lender ( who approved it over the phone ) took it off of him. Then did all she could including lie to me in order to deny the loan, she did all she could, to deny my application. Why did she said no to the loan, ( duress, ? Yes, duress ? = 100 % lie directly to my face. ). She asked exactly what I was going to do with the loan. ? 1. It's a home equity loan. I listed a big list, of home improvements, all costed for. Till I had about $ 500 left of $ 20,000 loan application. I said, mmm, I don't know, erm maybe, yes maybe. Give my little sister $500 ( all that was left ). She lost the plot yelling duress, duress. I said duress ? ? She then told me my little sister might be forcing me to apply. I have 2 years left on my loan, till I own my home outright. Never, never, missed a repayment. ( I want / need this resolved ASAP ) cant log in now, I rang told them so. They ( I/t ) will fix it I'm told. It's now worse, can't access my loan, 100 % incompetent. I ring, I email, etc. Nothing.
Community First Bank
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Always great to talk to a local when doing banking business. Hopefully this will never change.
Reduce Home Loans
Our Home load specialist was Kurt, and he was fantastic. He followed up on every equerry immediately, with great deal of product knowledge. Once we… Read more
hit an issue with one lender; he proactively proposed an alternative solution. Can not fault Reduce Home loan as broker.
Credit Hub Australia
Great Service provided by Himal Shah and looking forward to work with him for my financial portfolio. We approach Himal for personal loan, and he… Read more
was efficient to provide options and offered us best product with best interest rates. I will recommend family and friends to contact Himal for all finance requirements.
Mortgage Broker Melbourne
Anne and Eddy were both superb. Anne, who I had most contact with, was a godsend: extremely personable, professional and highly efficient. Without… Read more
her (and Eddy's) support I don't know how we would have survived this arduous process of selling and buying houses.
UNO home loans
Our family just had our 4th loan arranged by Uno. Three were not straightforward loans at all being in our superannuation fund (knocked back by… Read more
another broker) and the 4th was for a recent arrival to Australia with no work history here & self employed. Mike Parsons worked miracles. He didn't take no for an answer, thought outside the box and his wisdom, multiple lender options, & sheer hard work & tenancity paid off for us. Nothing was too much trouble. We will be forever grateful! Thanks Mike!!
Professional Partners
Expertise and efficiency that is second to none – Chantal's expertise and her team's efficiency allowed us to choose the best loan product that suited our needs. Best of all, we learned a lot from… Read more
the process, enabling us to make an informed decision and plan for the future. Transparent and very quick turnaround times. The service that Mortgage Domayne provides is second to none. Thanks again, Chantal and your team!
ARG Finance
Our journey with the new home build has been a pleasant experience with the support of Ginny taking care of all our financing needs. I would like to… Read more
thank Ginny for his services in supporting our dream for a new home and for providing me with sound financial advice regarding the new home and previous investment properties. I recommend anyone who needs financial advice to utilities Ginny and his team who provide excellent information and support whilst doing so with a smile in what can be a stressful time navigating finances. I look forward to utilising Ginny brokering services again in the future.
Greenline Home Loans
Joseph Dabas is simply the best in the industry.... Greenline should give him a pay rise. Two years ago we purchased our first home - Joseph made… Read more
that dream come true. Recently we remortgaged with Joseph & he got us the best interest rate going. His industry contacts & networking set him aside from many other brokers. His care factor for doing the right thing by his customer is second. Our family has put trust in him twice now & he has delivered. I now recommend anyone looking for finance to contact Joseph.
Athena Home Loans
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When my wife and I upgraded to a new home a few years back, we went straight with Athena instead of going back to our Big 4 lender from our first… Read more
home loan. Five years on, we're still with them on a Power Up owner-occupier variable loan with offset, and the decision has held up well.
The rate was noticeably lower at signup than what our old lender quoted us, and what's kept us with Athena is their same-rate policy. Existing customers pay the same rate as new customers on the same product. It means we don't have the "loyalty tax" problem, where you have to threaten to refinance every couple of years just to get the rate you should already be on. Rate changes also get passed on quickly after RBA decisions, which was a welcome change.
Settlement was fast and simple. The app is clean and does what we need. One thing worth knowing before you switch: Athena has no branches at all. Customer service is available by phone, email and chat. That works fine for us, but if you're someone who prefers walking into a branch to sit down with a banker in person, it's a real trade-off to weigh up.
Happy enough with Athena that I share my personal referral code publicly online (see the disclosure on this review).
Mel Finance Services
We had a great experience working with Lumbini to find the right home loan product for us. He guided us clearly through the different options and… Read more
explained everything in a way that was easy to understand. As first home buyers, we really appreciated his confidence, knowledge, and support throughout the process.
Well Money
For using Bendigo Bank 1 star! Why partner with the worst bank in Australia?
Tiimely Home
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Confirmed that the phone app is terrible and possibly broken. Crossed checked money coming out of my loan account with my actual statements and they… Read more
dont align. App says two payments coming out of my loan account separated by only two days, the statement has these same payments separated by 2 weeks.
Came to Tiimely from Adelaide bank which auto adjusted payments as interest rate changes. Tiimely app cant do auto adjustments (for changes in interest rates) for fortnightly payments! only for monthly! was I told? No! could they put something in the app like a pop up to highlight that payments that under a month cant be auto adjusted to interest rate changes, of course they could! do they do it? No!!
Hi Brett, thank you for sharing your feedback with… Read more
Unloan
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as someone already stated their rates are baits as any reasonable person would think your rate will move in line with the rate advertised. it does… Read more
NOT. it moves in line with a secret internal rate they call "reference" rate. after 5 year and with 0.95%"loyalty" discount my rate is higher than the advertised. plain dishonest. a real SCAM. reporting them to AFCA and ASIC. hope they get a huge fine for misleading customers.
Resimac


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Loren was very helpful! Thank you for the swift and efficient assistance.
What If We Finance
I'm a first-home buyer who just got my mortgage approved today, and I couldn't recommend Spiro and his team more highly. His approach was extremely… Read more
calm, positive, and confident, and his communication was objective, straightforward, and reassuring throughout the entire process.
I felt calm and confident from our first contact right through to approval, even though I had no prior knowledge of buying property or obtaining a loan. What could have been a very stressful experience ended up being an exciting and positive one.
Thank you, Spiro and Jaan!
Investors Mortgage
Aarjoo helped me alot with all the process. She was so patient with everything. Very quick at replying and sorting documents. Would 100% recommened her for anyone else need help with their loan or mortgage. Show details
Refinancer
I have been honoured to be a client of this company for years now and frequently utilise their expertise and services. Hayden and his team are always… Read more
very helpful with financial advice and making changes that are advantageous to me. They recently helped me refinance my mortgage to a better rate and saved me a lot of money. The process was quick and efficient and all my questions were answered the same day. They go to great lengths to make sure i understand all the details and always get a very good outcome. They have never let me down. I would highly recommend this company to anyone needing financial advice. Kim rida
MyChoice Home Loans
Outstanding service from Amy Marshall at MyChoice Home Loans.She was always quick to respond to my queries and kept me informed every step of the way.We are truly grateful for all her expertise and support.
Aussie Home Loans 🏆 2026
4.9We’ve helped over 1.5million + customers find the right home loan for them.
Types of loan providers
Banks
The Big Four banks - that is, Commonwealth Bank, NAB, Westpac, and ANZ - dominate the home loan market. There are also plenty of smaller, more local banks (think banks like Bendigo Bank and ING) that offer a variety of home loans - so do some international banks that operate in Australia.
Non-bank lenders
Non-bank lenders are those which don’t hold a banking license - they’re not a bank, a building society, or a credit union. These lenders still have to follow the same laws, rules and regulations as banks, so they’re still as safe to use as traditional banks.
Online lenders - such as Lendi, Athena Home Loans, and Tic:Toc Home Loans - fall into this category, and are on the rise thanks to the convenience and competitive rates they offer.
Is it worth getting a mortgage broker?
If you’re having difficulty comparing loans and lenders, then a mortgage broker may be able to help you find the right loan for you. This is a licensed professional who brings borrowers and lenders together, and helps you apply for the loan and assist you throughout the process through to settlement.
Often home loan brokers are paid commission by lenders, so you don’t have to pay for their services. They may however be offered incentives by a lender to offer you certain loans, which could influence which loans they recommend to you.
What to consider when you compare home loans
Eligibility
Different lenders have different eligibility criteria for taking out a home loan, so ensure that you check the requirements of each lender you’re considering so that you don’t waste your time with a lengthy application process.
Depending on your situation, you may also be eligible for a government incentive, such as the First Home Owner Grant - this grant requires that you move into your new home within 12 months, and live in it for at least 6 months.
Loan purpose
You should ensure that the type of loan you’re taking out is the right option for your loan purpose, depending on whether you’re a first-time home buyer, refinancing your mortgage, buying an investment property, looking for a construction loan, or something else.
A construction loan, for example, differs from a regular home loan in that it progressively lets you access money as you complete different phases of your home’s construction.
Loan repayment type
There are 2 ways to repay your loan: with principle and interest repayments, or with interest-only repayments.
Principal and interest repayments
Most Australians get this type of loan. With this loan, you make regular repayments on the principal (the amount borrowed), and you pay interest on that amount. These generally have a lower interest rate than interest-only loans, and you’ll usually own your home sooner.
Interest-only repayments
For interest-only home loans, you only make repayments on the interest on the amount borrowed for an initial period of time. Because you’re not making repayments on the principal, your debt doesn’t reduce.
While your mortgage repayments might be lower during the interest-only period, they’ll increase after that, so you have to ensure that you can afford this.
Initial deposit amount
When you take out a loan, you’ll have to make a home loan deposit, which is usually at least 10 to 20% of the purchase price.
While most lenders require a deposit of 20%, some will allow low deposit home loans, but you’ll likely have to pay Lender’s Mortgage Insurance (LMI) - this protects the lender against any losses in the event that you’re unable to repay your loan.
However, first home buyers may be able to buy a property with as little as a 5% deposit home loan without forking out for LMI under the Australian Government’s First Home Loan Deposit Scheme.
A higher deposit means you borrow less (as you have a lower loan amount) and pay less interest over the life of the loan. You might also be able to score better home loan interest rate deals that can mean even more savings in your pocket.
Interest rate and type
It’s recommended to aim for the lowest possible interest rate on your loan, as even small differences between these mortgage rates can wind up saving you thousands over the loan.
When taking out a home loan, you can choose between a fixed rate or a variable rate.
Fixed home loan rates
Fixed rate home loans have an interest rate that stays the same for a set period of time (for example, 5 years). The interest rate then turns into a variable rate.
Variable home loan rates
A variable interest rate in a housing loan can fluctuate depending on changes in the market.
If you’re not leaning towards either of these, you can also get a partially-fixed rate, or a split loan. This means that part of your loan (you can decide how to split it) has a fixed rate and the remainder has a variable rate.
Budget better by knowing your monthly repayment
Your monthly repayment is a figure that represents how much you have to pay each month on a loan. This helps you know exactly what you’re signing up for, so you’re not stretched too thin, or conversely, not paying less than what you can afford.
If it suits you better, you can also calculate your weekly or fortnightly repayment.
Loan features
Some loans have extra features that can give you greater flexibility in how you access and use them. However, these features usually come at a higher cost, so you should weigh up your options to see if you’ll use them in a way that makes the higher price worth it.
- Offset account: This is a transaction account that’s linked to your home loan. The balance of this account can be offset against what you owe on your home loan.
- Extra repayments: A loan that lets you make extra repayments lets you pay off your loan faster, saving you in paying interest. Most variable rate loans allow this, while some fixed rate loans limit how much extra you can repay.
- Redraw facility: This lets you withdraw any extra payments you’ve made on your loan, which can be useful for emergencies. Your lender may charge a redraw fee or restrict how much money you can redraw.
- Portability: With a portable home loan, you can sell your home and purchase a new one with the same home loan, without needing to refinance.
- Line of credit: A line of credit home loan lets you borrow some of the built-up equity in your home. You can withdraw up to a certain amount (the credit limit) determined by your lender.
Loan term
The loan term refers to the length of time you have to pay off your loan. A typical loan term is 30 years, although depending on your situation, you can also find terms ranging from around 20 to 40 years.
It’s generally recommended to get the shortest loan term that you can afford - you’ll have to make higher home loan repayments, but you’ll pay less interest, saving you more in the long run.
Fees
You should read the fine print to figure out all the fees associated with your home loan, so you’re not surprised with a large sum down the track. Usually you’ll have to pay an application fee (also called an establishment, up-front, or set-up fee), which is a one-off payment that you pay when starting your loan.
You’ll probably also have to pay ongoing fees, such as service fees that are charged periodically (usually monthly or yearly) to a lender for administering your loan.
Find the comparison rate to know exactly what you’re paying
The comparison rate of a loan is the sum that indicates the cost of the loan, including the interest rate and most fees. This includes all upfront and ongoing costs, so you’ll get a good idea of how much you’ll be forking out over your loan.
If you’re tossing up between a few different loans, this figure can help make choosing between your options easier.
Comparing loan providers
When comparing providers, you should also look into the following:
- The application process. The application process should be relatively simple, and should suit your needs. For example, if you need to organise a loan quickly, then you may want to opt for an online lender who can offer faster results.
- The transparency of the lender. A lender should be upfront with you with all information relating to your loan, whether it’s positive or negative.
- The lender’s customer service. Your home loan doesn’t end after you’ve finished your application, which is why timely, helpful customer service is important to make things as easy as they possibly can be for you.
Reading online reviews can help you determine the overall experience and quality of care a lender can give you, as well give you an indication of how straightforward the application process is.
The bottom line
You should be realistic about how much you can borrow. Take into account rising interest rates that could mean increased loan repayments for you - giving yourself a bit of breathing room, and considering how your personal and financial circumstances could change should help you find a loan that’s right for you.
Disclaimer: The information on this website is for general information only. It should not be taken as constituting professional advice from the website owner - ProductReview.com.au. ProductReview.com.au is not a financial adviser. You should consider seeking independent legal, financial, taxation or other advice to check how the website information relates to your unique circumstances. ProductReview.com.au is not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this website.

Hi Terence, We’re sorry to read your review and… Read more