Best Home Loans

Based on 47,433 reviews
Location
Brand
Rating
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Aussie Home Loans

Aussie Home Loans 🏆 2026

4.9 

We’ve helped over 1.5million + customers find the right home loan for them.

Aussie Home Loans

Aussie Home Loans 🏆 2026

4.9  Summary
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Alex C VIC
 

Alistair Baker and his team are without doubt the best in the market. I’ve dealt with banks directly and numerous brokers over the years… no one comes close to Alistair at Aussie Home Loans. Ten stars (out of 5!).

Lendi

Lendi 🏆 2026

4.8  Summary
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Ugyen ACT
 

Huge shoutout to Fiona Revill at Lendi! Buying a home sounded super overwhelming with all the bank math and paperwork, but Fiona made it ridiculously… Read more

easy. She explained everything in plain English, handled all the heavy lifting with ANZ, and kept us in the loop the entire time. Zero stress from start to finish!

Mortgage House

Mortgage House 🏆 2026

4.7  Summary
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Betty
 

I would like to take a moment to share my feedback and appreciation for Pierre and the entire team at **Green Mortgage House**. It has been an… Read more

absolute pleasure meeting and working with Pierre throughout our journey of purchasing our land in Chittering.

Pierre is an outstanding staff member who is always supportive, approachable and willing to help. He provides different options, explains everything clearly and makes communication so easy. No matter the situation, he is always available and ready to offer support. Even when one option doesn’t work out, he is always willing to explore other possibilities and find a way forward. His experience, professionalism and dedication truly stand out.

I am incredibly grateful for all his support throughout this journey. Thank you, Piers, for the amazing job you have done. Please keep up the great work and continue being the supportive person you are. We truly appreciate you.

I would also like to acknowledge the entire Green Mortgage House team. From reception to finance, brokers and everyone behind the scenes, you are all amazing. Your teamwork, professionalism and commitment to supporting your clients make the whole experience wonderful. As clients, we have always felt welcomed, valued and well supported.

**Well done, Pierre , and well done to the entire Green Mortgage House team!**

May God continue to bless you, Pierre , with your kind heart and willingness to help others. Thank you once again for making our land-purchasing journey such a positive experience. We sincerely appreciate you all.

Home Loan Experts

Home Loan Experts

5.0  Summary
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Trent NSW
 

I can't speak highly enough of Mohit, Prajita and Dikshya. From our very first conversation through to settlement, all three of them were absolutely… Read more

extraordinary.

Whenever I reached out with a question, and there were plenty, they were there with a clear, patient answer. They were incredibly thorough and made sure we understood every step of the process, so we never felt lost or rushed along the way. Buying a home can be a stressful experience, but their support made it feel manageable and even enjoyable.

I would strongly recommend Mohit, Prajita and Dikshya to anyone looking for a home loan. Thank you all for everything!

Mortgage Domayne

Mortgage Domayne

5.0  Summary
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Sobhitharaj S.
 

I would like to sincerely thank the entire Mortgage Domayne team for their outstanding support and assistance throughout the process of purchasing… Read more

our land and arranging our construction loan.

A special thank you to Ranjan, our mortgage broker, who has done an excellent job from start to finish. He has been extremely helpful, professional and supportive throughout the entire process. What really stands out is his availability and willingness to help whenever we have questions, whether on weekdays or weekends. I truly appreciate all his phone calls, messages and regular updates, which kept us informed and reassured every step of the way.

Even though I am living interstate, the team kept me regularly updated throughout the entire process through phone calls and emails, ensuring I was always informed and up to date with every step.

I would also like to extend a special thank you to Katerina and Vanessa for their assistance, dedication and support throughout the settlement process.

The entire Mortgage Domayne team has been amazing, making what can be a stressful and complicated process much easier and smoother for us. We genuinely appreciate everyone's hard work, commitment and professionalism.

Thank you once again to Ranjan, Katerina, Vanessa and the whole Mortgage Domayne team. We highly recommend Mortgage Domayne to anyone looking for reliable, professional and friendly mortgage services!

Loan Gallery Finance

Loan Gallery Finance

5.0  Summary
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Alejandra M.
 

Santosh and Jyoti have been amazing mortgage brokers for us! They guided us through buying our first home and treated us with so much care, always… Read more

making sure we understood every step of the process.

More recently, they helped us with our second property loan, which was a completely new process for us, and once again they didn’t disappoint. They were always available, patient and made everything so much easier for us.

We’re so grateful for their support and would definitely recommend Santosh and Jyoti to anyone looking for brokers who genuinely care about their clients!

Mortgage Ezy

Mortgage Ezy

4.7  Summary
Avo
 

AJ was fantastic to deal with. His rate retention and negotiation skills secured me a great rate, which ultimately led me to cancel settlement with… Read more

another lender and stay with my existing lender. I highly recommend AJ for his professionalism and commitment to achieving the best outcome for his clients.

Loan Studio

Loan Studio

5.0  Summary
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Shane G. VIC
 

Absolutely brilliant service from Tristan, Josh and the team! They made the whole process of securing a better rate on my home loan incredibly easy… Read more

and stress-free. From start to finish, everything was handled with professionalism, care and genuine attention, and it was all completed within a week!

It’s refreshing to deal with a team that genuinely cares about getting the best outcome for their customers and makes the entire process so straightforward. I couldn’t be happier with the service and the result.

Highly recommend Tristan, Josh and the team to anyone looking for outstanding service, genuine care and great results. Thank you for making it all so easy!

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Benjamin Cobby SA
 

Carlos at pepper money was very helpful and understanding of trying to get a home loan while being self employed, I’d highly recommend this company,… Read more

they were great and went above and beyond, without pepper money I would not have gotten my investment property!! Ben Cobby

Rah rah 5 posts
 

Great service, professional and know their stuff.Always looking out for their clients to optimise the best options in the safest and most productive way.

Loan Market

Loan Market

4.7  Summary
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Alisa N. VIC
 

Phillipa Smith and Lauren Hall at Loan Market Bundall, Gold Coast are fantastic. First class support, guidance and advice every step of the way. Very… Read more

patient with all my dumb questions. Nothing was too much trouble. 5 stars & highly recommend. Do not go anywhere else! Thank you again Phillipa and Lauren.

Community First Bank

Community First Bank

4.6  Summary
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Denise NSW
 

I have been with Community First for over 50 years. In all that time I have found the staff at Penrith office to be very caring, efficient, friendly and helpful., They are very easy to talk to and they listen to my concerns regarding banking.

Homestar Finance

Homestar Finance

4.6  Summary
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Babak 2 posts
   Fair Incentive

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

Reduce Home Loans

4.4  Summary
Aleksei Carroll
 

I had a great experience working with Kurt, who helped me refinance my investment property at a lower interest rate. The process was smooth and… Read more

professional, and they took the time to find a solution that suited my needs. I really appreciate their support, communication, and dedication to achieving the best possible outcome. I highly recommend their services to anyone looking to refinance their property or secure a better interest rate. Thank you for your excellent service!

Credit Hub Australia

Credit Hub Australia

5.0  Summary
Savitri Savitri
   Verified

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.

Herbie 10 posts
 

From Steve G, Prahran. My experience with Mortgage Broker Melbourne (MBM) has been fantastic. Many banks have made me feel they were doing me a… Read more

favour, despite my strong, reliable income. As a recently separated retiree who had never used a broker, I was dubious at first, but MBM’s reviews seemed genuine across a broad cross-section of clients, and Edward Burke confirmed they were the right choice.

From the outset, Ed was professional, reliable, warm and articulate. Requesting a home loan at my stage of life made me a “bit of an awkward fit” for banks constrained by procedure, despite my strong financial health. Ed smoothed those conversations, presented my profile in the best light, and was positive, tenacious and patient with me, even when I was anxious. I received approval a few days ago after a nervous wait, and he has stayed in touch with valuable tips and industry insight since, which I appreciate enormously.

Rachel Dare, his trusty Admin Assistant, has been a capable conduit between us. She explains next steps clearly and has assured me no question is too silly for a high-stakes, anxious decision like buying property. I commend MBM, Ed and Rachel.

UNO home loans

UNO home loans

4.9  Summary
Sally7960 QLD 5 posts
   Verified

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

Professional Partners

5.0  Summary
TrishaWarren L NSW 2 posts
 

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

ARG Finance

5.0  Summary
Rob VIC 2 posts
 

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

Greenline Home Loans

5.0  Summary
Mick NSW
 

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

Athena Home Loans

4.5  Summary
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Disappointed 3 posts
 

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.

MyChoice Home Loans

MyChoice Home Loans

5.0  Summary
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alek
 

Amy provided exceptional service while assisting me with my house and land package. As a first-home buyer, I had limited knowledge of the process,… Read more

but Amy was patient, knowledgeable, and supportive every step of the way. She clearly explained the purchasing and building process and was always available to answer my questions. Her professionalism and dedication made the experience positive and stress-free.

Mel Finance Services

Mel Finance Services

5.0  Summary
Brendan VIC
 

I was introduced to Lumbini at Mel Finance Mortgage Brokers by Chris (CBFSA) when looking at further investments strategies and proposals. Lumbini… Read more

is without a doubt the best mortgage broker that I have had the privilege to have look after my lending requirements. His work ethic, trustworthiness, communication skills, knowledge of the lending environment and products available are second to none. What appeared to be a daunting task from my end was made easy due to Lumbini. I will absolutely be using him again in the future and would highly recommend Lumbini to anyone looking for a mortgage broker.

Well Money

Well Money

4.8  Summary
John W. 3 posts
 

For using Bendigo Bank 1 star! Why partner with the worst bank in Australia?

Resimac

Resimac

4.3  Summary
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Shanthi NSW
 

Good service by the Agent,and the service was quick haappt with the service

What If We Finance

What If We Finance

5.0  Summary
Carly NSW
 

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

Tiimely Home

4.1  Summary
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Ilan S. NSW 3 posts
 

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

Refinancer

Refinancer

5.0  Summary
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Adam W. NSW
 

Cleo and the team made the experience of refinancing very smooth - would recommend them to anyone . Very friendly and helpful

Unloan

Unloan

4.1  Summary
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scam busters
   Verified

Unloan’s “loyalty discount” is misleading. Existing customers can end up paying a higher interest rate than new customers, even after years of loyalty. In practice, there’s no real loyalty benefit.

Unloan
Unloan    

Hi there, thank you for taking time to share your… Read more

Investors Mortgage

Investors Mortgage

5.0  Summary
Jacques Clarel Grey
 

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.

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Aussie Home Loans

Aussie Home Loans 🏆 2026

4.9 

We’ve helped over 1.5million + customers find the right home loan for them.

A man at a desk handing over a house key to someone filling out paperwork. There's also a model of a house on the desk.

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.

Pros
Have extensive customer service teams.
Have branches and ATMs that you can visit.
Offer plenty of loan options.
Can be easier to access, particularly if you stick with the same bank that you already hold an account with.
Can do online banking and use mobile apps to track your loan.
Cons
Usually don’t offer the lowest rates (although they’re still low enough to remain competitive).
Service is often slower and less personalised, as they’re such big institutions.
Overheads may be more expensive, meaning higher fees.

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.

Pros
Often more likely to offer lower set-up and ongoing fees, as they have less bells and whistles than banks.
Have more competitive interest rates.
Often offer more personalised customer service.
Usually more likely to be able to service higher-risk borrowers.
Shorter turnaround times, as they’re less bureaucratic than banks.
Convenient, as you can often do the whole home loan process online.
Cons
May service less areas than traditional banks.
Can be more vulnerable to economic conditions, such as financial crises.
Offer a smaller variety of products, so you may not find something that suits your needs.
Limited physical presence and branches means it may be difficult to get face-to-face help.
Can be difficult for people who aren’t tech-literate to do the whole home loan process online.

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.

Pros
Budgeting and planning for your loan is easier and more accurate as you know how much your repayments will be.
Have fewer loan features, which could mean you pay less.
Cons
If interest rates go down, you won’t reap the benefits of a fixed interest rate.
If you want to change loans down the track, you may be charged a break fee.

Variable home loan rates

A variable interest rate in a housing loan can fluctuate depending on changes in the market.

Pros
Can give you more flexibility as they have more loan features.
If you find a better deal elsewhere, it’s often easier to switch.
Cons
Budgeting is more difficult, as your repayment amounts can fluctuate.
Having more loan features can cost more.

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.