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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I can’t recommend Mariya highly enough! As a first-time buyer, I had so many questions and wasn’t really sure what to expect when it came to getting… Read more
a mortgage, but Mariya made the whole process so easy and stress-free.
She was always available to answer my questions, explained everything clearly and made sure I understood what was happening at every step. I always felt like she had my best interests at heart and was genuinely invested in helping me get the right outcome.
I honestly didn’t have to stress about the finance side of things, which made such a difference. I’m so grateful for all her help and would absolutely recommend Mariya to anyone looking for a mortgage broker!
Lendi 🏆 2026
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Forced to do an AI chat, overly extensive on obtaining contacting data - not interested in being contacted if you can’t show and provide details on products you can offer.
Mortgage House 🏆 2026

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Excellent service. Great Job by Mittal. Easy to talk to and great response
Home Loan Experts
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My loan was arranged by Aseem and the follow up customer service was by Kushal. Both of them have been very helpful and I would recommend them to anyone who needs mortgage advice.
Mortgage Domayne
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Narinder Bhamrah provided the best service, highely recommend him, thanks
Loan Gallery Finance
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Omar is the best of the best! Omar helped us just over 2 years ago as First Home Buyers, to build our first home. We knew absolutely nothing about… Read more
building or purchasing but he made the process so much easier for us. Fast forward to now, I reached out to Omar to discuss the potential of selling our home and purchasing on the other side of Melbourne. I wasn’t even sure this was possible but Omar made it happen, as always. Within a few weeks of first reaching out to Omar, we found a property we loved, got our pre approval right away before the final conditional approval. He and Jyoti worked hard so we wouldn’t miss out on our dream home. We couldn’t be more appreciative of Omar and Jyoti and have recommended Omar to absolutely everyone we can! Thank you again team, for making this stressful process a lot less stressful and for answering my million calls during the process!
Mortgage Ezy
Mortgage Ezy provided a smooth and straightforward experience from start to finish. The team was responsive, explained everything clearly, and helped… Read more
find a loan option that suited my needs. I would recommend their service to anyone looking for mortgage assistance.
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.
Loan Market
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Stay away at all costs!!! I called a few years ago when I was in personal and financial trouble. I was bluntly told that I had wasted their time, was an idiot, and that my wife destroyed me. Avoid!!! Horrendous!! They will throw you under he bus!!
Future Assist Group of Companies
Have been with Future Assist for over 10 years and have always found the team, informative and well versed. They have a clear understanding of my financial status and attend meetings providing clear directives.
Pepper Money Home Loans

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Very Straight forward and easy to communicate with. Very nice customer assistance.
Community First Bank
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Craig Richard - Easy Street Financial Services, went far above and beyond to make our loan process as smooth and stress-free as possible. Navigating… Read more
loan approvals can be overwhelming, but Craig walked us through every detail with absolute clarity and patience. When a last-minute hurdle came up, they proactively solved it behind the scenes to keep our timeline on track. His dedication, deep industry knowledge, and commitment to client success are unmatched. Thank you so much Craig for the exceptional service.
Homestar Finance
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Great experience from start to finish. Homestar made the home loan process smooth and stress-free. They made securing our home loan on time. Highly recommend to anyone looking for a home loans.
Reduce Home Loans
Kurt gave us an excellent support throughout the process. Make our refinance for 5 loans smooth and easy. Would recommend him and the team.
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
There truly aren’t enough words to express how grateful we are to Kristen for everything she did to help us refinance our property. The process went… Read more
on for months and was far more complicated and stressful than we ever expected, but Kristen was incredible every single step of the way. She didn’t just submit an application and wait—she genuinely carried us through the entire process. Her knowledge, advice, persistence and constant reassurance were invaluable, and we always knew she was doing absolutely everything possible to get us the outcome we needed.
Kristen understood us, our circumstances and just how much this refinance meant to our family. She took the time to explain everything clearly, answered every question and was always honest with us about where things stood. Her communication was exceptional—even when there was no new update to give, she still checked in and kept us informed so we were never left wondering or feeling forgotten.
Every time we faced another hurdle, Kristen was already working on the next solution. She advocated for us, guided us through every decision and never gave up, even when the process became difficult. Her support went far beyond what we ever expected from a mortgage broker, and having someone so capable, calm and genuinely invested in us made an enormous difference.
We will never forget the effort, care and heart she put into making this happen.
If you need a mortgage broker, choose Kristen. You will not find anyone more dedicated, knowledgeable, communicative or genuinely caring. She is truly exceptional at what she does, and we could not recommend her more highly. Thank you for absolutely everything, Kristen.
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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I have been an Athena customer for some time and, until recently, have generally had a positive experience. However, this latest issue has left me… Read more
questioning whether Athena is still the right choice.
I have a prepaid amount with Athena that is more than sufficient to cover the $2,200 I needed to withdraw. While overseas, I attempted to process the transaction through the app but repeatedly received an error message saying the transaction could not be processed and advising me to call.
When I contacted Athena, I was told that they were aware this message often appears when customers are travelling and that the transaction could be processed on my behalf. This then required me to go through an extensive security verification process — something that would likely not have been necessary if the app had worked as it should.
At the end of the call, I was advised that processing could take one to two days. Unfortunately, I needed access to the funds that day to avoid incurring a significant bank fee, so this delay was very frustrating.
A digital banking experience should be reliable, especially when customers are overseas and may need access to their own money. I hope Athena addresses this issue, as the service experience I received does not align with the level of convenience and efficiency I originally expected from them.
Mel Finance Services
We had a great experience with Lumbini from Mel Finance while arranging our home loan for our property purchase. The whole process of buying a… Read more
property can be quite overwhelming, but Lumbini made the finance side much simpler and easier for us.
From getting the loan organised through to settlement, everything was handled smoothly and professionally. Really happy with the support we received and would definitely recommend Lumbini to anyone looking for a reliable and helpful mortgage broker.
Well Money
For using Bendigo Bank 1 star! Why partner with the worst bank in Australia?
MyChoice Home Loans
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We've recently done our home loan application through Zara at MyChoice. She has been fantastic! For first home buyers who knew nothing, its been an… Read more
amazing help. She was patient, explained everything and really helped us through the whole process. Thanks so much Zara!
Resimac


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Satisfied wth the customer service requested for rate cut and I received it would have been nice if I got more
What If We Finance
Some people are exceptionally good at what they do. Others leave a lasting impression because of the way they make people feel. Spiro does both. From… Read more
our very first conversation, we knew we were in capable hands. Spiro combined remarkable industry and technical expertise with genuine warmth, making what could have been an overwhelming process feel calm, manageable and even enjoyable. He was always approachable, responsive and generous with his time. No question (and I had many!) was ever too much. Every conversation was met with patience, honesty and clarity. Spiro communication was exceptional. He kept us informed every step of the way. He always followed through on what he said he would do. His calm confidence, good humour and unwavering professionalism gave us complete trust throughout the entire journey. He took the time to understand our circumstances, saw the bigger picture, and worked tirelessly to achieve the best possible outcome for us.
Tiimely Home
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rates are very competitive, but i was quite disappointed by their app, their statements (which are incorrectly dated) and customer service. was on… Read more
the phone with one of their customer service rep, requested a statement, was told I would get it the next day (lol, which company is not able to create a statement instantly these days), still waiting for my report. probably best paying a few extra $ and have a better service in my opinion
Unloan
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I have just had the worst experience with them. Customer service is terrible. There is no consistency. If you don't want to pay monthly either they… Read more
do not calculate the repayments properly (ie fortnightly repayments are monthly split in 2, not a whole year divided by 26). Do not recommend at all
Refinancer
Very supportive throughout the whole process. Very professional team. Thank you!
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.
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.

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