Best Home Loans

Based on 46,010 reviews
Location
Brand
Rating
Business Type

Ad
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
Luke WykesNSW
 

Well once again Robin and his team have out done themselves again. Very easy to talk with and deal with I highly recommend working with these guys. They have definitely helped me out once again much appreciated. Show details

Lendi

Lendi 🏆 2026

4.7 Summary
Shelley and JoeQueensland
 

Excellent customer service, professional staff and helpful customer service. Highly recommend Lendi, can’t thank them enough for helping us find a lender to consolidate our debts when the big banks wouldn’t help. Show details

Mortgage House

Mortgage House 🏆 2026

4.7 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See allThumbnail
Mathew H.VIC6 posts
 

Paid excessive rates. They could not would not compete when I had a better offer. Suspect that they're good at the start to win business and then milk customers. Show details

Home Loan Experts

Home Loan Experts

4.9 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See allThumbnail
Sid
 

Thanks team, Prajita Sadina and mohit. Good communication and real work put in always. Happy with outcomes. Show details

Mortgage Domayne

Mortgage Domayne

5.0 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See allThumbnail
Adam I.
 

Fantastic experience working with the team at Mortgage Domayne to organise our home loan. They made the whole process smooth and stress-free, kept me informed the entire way, and were always quick to answer any questions. Show details

Loan Gallery Finance

Loan Gallery Finance

5.0 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See allThumbnail
Anu R.
 

Santosh and his team have ensured such a smooth experience of brokering my very first home with so much ease, that I barely can remember the… Read more

overwhelmed me when the first thought of home ownership struck me.

Starting from borrowing capacity assessment to settlement, the team was constantly in touch and took time to explain each step either via phone or zoom calls.

Thank you Santosh! See you on the next one :)

Loan Studio

Loan Studio

5.0 Summary
  • Thumbnail
  • Thumbnail
  • See allThumbnail
Nitin2 posts
  Verified

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

Loan Market

4.6 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See allThumbnail
West H.VIC2 posts
 

Dominic Polifrone Say no more,Professional,excellent at his work,just awesome . Thankyou Dom.

Mortgage Ezy

Mortgage Ezy

4.6 Summary
Dan F.
 

Quick to pick up calls, limited wait time, and you always get a real person on the other end. A+

CarolNSW2 posts
 

Future Assist has been managing our super in the past decade, I can see a strong grow of our assets, happy with the service and professional advice.

  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
ashajWA
 

very good company to deal with.easy to manage my loan. Show details

Homestar Finance

Homestar Finance

4.5 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See allThumbnail
Jo BannisterWA
  Fair Incentive

Great customer service: our agent was very helpful and communicated well. The only negative is how long the process took to process our loan. Show details

Community First Bank

Community First Bank

4.6 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See allThumbnail
Luxe2 posts
 

Deacon was absolutely amazing I am not real good with websites but Deacon was so patient and an absolute pleasure to work with. Thanks Deacon. Show details

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.

Reduce Home Loans

Reduce Home Loans

4.3 Summary
Ritesh PrasadQLD
  Verified

Connor was fantastic to work with throughout our SMSF loan process. He was always very easy to speak with on the phone, genuine in his approach, and… Read more

extremely responsive to queries. His communication was excellent at every stage and he kept us well informed as the loan progressed through approval and settlement.

Connor also seems to have a very good working relationship with the lender, which meant requests and updates were handled quickly and efficiently. Overall the process was smooth and well managed.

We really appreciated his professionalism and support, and I would definitely be referring colleagues and friends to Connor in the future.

Monia R.VIC
 

I cannot recommend Simon and Roan highly enough! As a first-time buyer, the process of purchasing my apartment felt so overwhelming & extremely… Read more

daunting. From the first link up with Simon I knew that this could potentially be an extremely seamless process no matter how chaotic it felt to me (& it was). Simon’s expertise and guidance was invaluable, and Roan was consistently proactive during the loan & settlement stages, including ongoing checking in to ensure I am across my first and ongoing payments. Every detail has been handed promptly and with accuracy. Their combined professionalism and support has made all the difference with special mention to the final 24hrs when it all became extremely overwhelming for me, they stepped up and managed my emotions like true professionals.

I can not recommend this team any more than I currently do to anyone that asks me. Thank you again for everything!!

UNO home loans

UNO home loans

4.8 Summary
Sally7960QLD5 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 LNSW2 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
RobVIC2 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
MickNSW
 

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

4.4 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See allThumbnail
Rebecca. M24 posts
 

I’m refinancing from ING home loan to Anthena because ING are so rude and won’t drop my rates, but Athena is offering me 2% lower than ING,… Read more

application has been so easy, don’t need my broker and I’m hoping to consolidate some other debts while I’m at it, and I can continue with my mortgage term and not start another 30 years. I hope it gets approved

Well Money

Well Money

4.8 Summary
John W.
 

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

Mel Finance Services

Mel Finance Services

5.0 Summary
Kira
 

Lumbini was such a great help - from explaining the mortgage process to guiding me through buying my first house he has been so helpful and… Read more

supportive. He works quickly and efficiently but also detail oriented - the whole process was very smooth as a FHB. He's also very friendly and passionate about his work and will help you through every step of the process. I've had a great experience and already recommended to all my friends and family.

Tiimely Home

Tiimely Home

4.1 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See allThumbnail
JonWA
 

I’ve been with Tiimley/TicToc for several years. Initially they were good but (as other reviewers have mentioned) soon interest rates creep up and up… Read more

and you will have no luck trying to negotiate a better rate (such as their new-customer rate that is advertised on their website). Since December 2025 they don’t have web-based internet banking, only a poorly designed phone app that doesn’t provide much functionality. For example, there is no ability to download transaction details for tracking expenses in any useful format like a csv file. Customer service is extremely slow and you get transferred around different people without any progress being made. Trying to refinance away from Tiimley results in extended delays – so far 40 days since the request to re-finance was sent to tiimley and they still haven’t actioned that request – it looks like they are dragging their feet to keep a grip on the trailing commission for as long as possible. Most of the reviews on this platform only relate to the experience of signing up to a new loan or are from before December 2025, when the customer experience dramatically declined. Check recent ratings from existing customers.

Tiimely Home
Tiimely Home    

Hi Jon, we’re sorry to hear about your experience… Read more

Unloan

Unloan

4.2 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See allThumbnail
Craig bQLD2 posts
 

So happy that i changed from my regular lender to Unloan It was so easy to apply do the necessary paperwork all online at my own pace without having… Read more

to go to appointments Having been with them for a few years now and getting my discount every year makes a difference to the balance. I regularly check the market to make sure I'm not paying to much in fees and interest but have not been disappointed. Unloan have been very competitive and I have no need to change to another loan provider. Very happy as you can be with a loan

What If We Finance

What If We Finance

5.0 Summary
Mia Gates2 posts
 

We had such a great experience working with Spiro and Jaan! From day one, he was incredibly helpful, responsive, and genuinely supportive. He always… Read more

made time for us — even answering calls while he was overseas! Nothing was ever too much trouble, and he explained everything clearly so we felt confident at every step.

Buying a home can be stressful, but they made the whole process smooth and actually enjoyable. We’re so grateful for his dedication and couldn’t recommend him more highly. 10/10!

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. Show details

Refinancer

Refinancer

4.9 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
Stephen PVIC
 

Solid, consistent, timely support all the way through. Very professional. Show details

Resimac

Resimac

4.1 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See allThumbnail
K. Haberley
 

Mark was great to talk. He accommodated my urgent request. Very helpful!!

Connected Finance

Connected Finance

5.0 Summary
Matt
 

As first time buyers George and the team were incredible for us. We were in our first new home within 3 months of our first meeting. The Connected… Read more

Finance team made us feel comfortable and explained things clearly from the start. When we had an offer accepted right before Christmas they went above and beyond, skipping pre approval and getting our home loan approved promptly and through the shutdown period. We can't rate them high enough.

Ad
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.