Lender Comparison

Compare 20+ Lenders Side-by-Side

See rates, fees, features, and reviews. Find the lender that's best for YOUR situation, not just the lowest advertised rate.

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Major Banks (Big 4)

The largest and most established banks in Australia

Commonwealth Bank (CBA)

Rate from: 6.24%
Market share: 24%

✓ Pros:

  • Australia's largest bank
  • Excellent mobile app
  • Wide branch network
  • Strong approval rates

✗ Cons:

  • Not always cheapest rates
  • Higher fees than online lenders
  • Slower service at times
Best for: People who value brand reputation and branch access
Compare CBA

Westpac

Rate from: 6.29%
Market share: 18%

✓ Pros:

  • One of the Big 4
  • First home buyer focus
  • Good customer service
  • Family guarantor options

✗ Cons:

  • Rates can be higher
  • Package fees apply
  • Approval can be strict
Best for: First home buyers and those wanting family guarantor options
Compare Westpac

NAB (National Australia Bank)

Rate from: 6.19%
Market share: 16%

✓ Pros:

  • Competitive business loans
  • 100% offset accounts
  • Good for self-employed
  • Strong package deals

✗ Cons:

  • Annual package fees
  • Can be slower to approve
  • Some hidden fees
Best for: Business owners and self-employed borrowers
Compare NAB

ANZ

Rate from: 6.34%
Market share: 15%

✓ Pros:

  • Big 4 stability
  • Good for expats
  • Rate lock options
  • Competitive fixed rates

✗ Cons:

  • Higher variable rates
  • Strict lending criteria
  • Application fees
Best for: Expats and those wanting fixed rate certainty
Compare ANZ

Online Lenders

Digital-first lenders with lower rates and fewer fees

Lowest Rates

ING

Rate from: 5.89%
Cashback: $2,000

✓ Pros:

  • Very competitive rates
  • No monthly fees
  • 100% offset account
  • Fast online approval
  • Cashback offers

✗ Cons:

  • No branches
  • Online/phone only
  • Limited face-to-face help
Best for: Tech-savvy borrowers wanting lowest rates
Compare ING

UBank

Rate from: 5.99%
Backed by: NAB

✓ Pros:

  • Low rates (NAB-owned)
  • 100% offset
  • No ongoing fees
  • Digital experience

✗ Cons:

  • Limited product range
  • No branches
  • Customer service can be slow
Best for: Simple loans with big bank backing
Compare UBank

Athena Home Loans

Rate from: 6.04%
Type: Fintech

✓ Pros:

  • AI-powered pricing
  • Low rates for <80% LVR
  • No monthly fees
  • Fast approval process

✗ Cons:

  • Newer lender
  • Strict LVR requirements
  • Limited to owner-occupied
Best for: Low LVR borrowers wanting tech-driven experience
Compare Athena

Specialist Lenders

For unique situations and alternative borrowers

Pepper Money

Rate from: 7.5%+
Specialty: Credit impaired

✓ Pros:

  • Accepts bad credit
  • Defaults okay
  • Self-employed friendly
  • Creative solutions

✗ Cons:

  • Higher interest rates
  • More fees
  • Stricter conditions
Best for: Borrowers with credit issues or defaults
Compare Pepper

Liberty Financial

Rate from: 7.0%+
Specialty: Self-employed

✓ Pros:

  • Low doc loans
  • Alt income verification
  • Self-employed specialists
  • Flexible criteria

✗ Cons:

  • Higher rates
  • More expensive fees
  • Requires larger deposits
Best for: Self-employed with complex income
Compare Liberty

Bluestone

Rate from: 8.0%+
Specialty: Second chance

✓ Pros:

  • Poor credit accepted
  • Recent bankruptcies okay
  • Exit strategies available
  • Quick decisions

✗ Cons:

  • Highest rates
  • Significant fees
  • Large deposits required
Best for: Severe credit issues, last resort option
Compare Bluestone

Quick Comparison Table

Lender Variable Rate Fixed Rate (3yr) Offset Monthly Fee Best For
ING 5.89% 6.09% ✓ 100% $0 Lowest rates
UBank 5.99% 6.19% ✓ 100% $0 Simple loans
NAB 6.19% 6.29% ✓ 100% $10 Business owners
CBA 6.24% 6.34% ✓ Partial $10 Brand trust
Westpac 6.29% 6.39% ✓ Partial $10 First home buyers
ANZ 6.34% 5.99% ✓ Available $10 Fixed rates

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