Compare 105 Australian Home Loan Lenders | Esteb and Co
Lender Comparison · April 2026

Compare 105 Australian Lenders

Real rates, real policies, real fit. We publish detailed profiles on the 105 lenders we most often place deals with — the full 105-lender panel is searchable through our matching engine.

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Important Information

Esteb and Co provides credit assistance services. We are licensed credit representatives (ASIC Credit Rep #574070) who help you compare loan options from our panel of lenders. We do not lend money directly. All loan approvals are made by lenders, subject to their criteria and responsible lending assessments. Our service is free to you - we receive commissions from lenders. Read our Credit Guide

The Australian Lending Market Right Now

Latest ABS data, December Quarter 2025 (released 23 Feb 2026). Predates the 17 March 2026 RBA hike to 4.10%, but remains the most recent official dataset.

New Housing Lending
+9.5%
Quarterly value growth (Q4 2025)
First Home Buyer Loans
31,783
Q4 2025 · +6.8% QoQ · $19.3B total
Avg FHB Loan Size
$607,624
National average
Investor Lending
$42.9B
Record quarter · +31.8% YoY
Avg Owner-Occupier Loan (NSW)
$828,065
Highest state average
RBA Cash Rate
4.35%
Raised 6 May 2026 (+25bps)

Sources: ABS Lending Indicators, December Quarter 2025 · RBA Cash Rate Target. Rate figures on individual lender cards below are the cheapest variable rate sourced from each lender's published product matrix as at April 2026; actual pricing depends on LVR, loan size and credit profile.

Our 105-Lender Panel at a Glance

Detailed profiles are published for 105 lenders we actively place deals with. The remaining 41 panel members are available through the portal matching engine but not individually profiled here.

4
Big 4 Banks
CBA, Westpac, NAB, ANZ
5
Major Banks
Big 4 subsidiaries & digital
11
Regional Banks
BOQ, Suncorp, ING, Macquarie et al.
20
Mutual & Credit Union
Customer-owned, often cheapest
13
Non-Bank Lenders
Pepper, Liberty, Resimac et al.
4
Specialist Lenders
Sharia, reverse, state schemes

Big 4 Banks

Australia's four largest banks. Broadest product shelves, widest branch networks, and the benchmarks every other lender prices against.

ANZ

5.78% variable

Expat income and fixed-rate certainty. Well-regarded rate-lock product and broader foreign-income policy than CBA or NAB.

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Commonwealth Bank

132 active products

Australia's largest bank. Deepest product shelf of any Big 4, widest branch network, strongest mobile app.

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NAB

Big 4 · Business focus

Business owners and self-employed borrowers. Strongest business-lending arm of the Big 4 and sharpest SMSF appetite.

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Westpac

Big 4 · Broadest scale

Most options of any Big 4 — but scale cuts both ways: more chances to land on a rate that isn't the sharp one.

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Major Banks (Big 4 Subsidiaries & Digital)

State-branded Westpac sister banks, CBA's Bankwest, and NAB's digital UBank. Same credit engines as the parents, different rate cards.

Bank of Melbourne

Westpac-owned · VIC brand

Victorian borrowers who want Westpac's credit engine with a VIC-specific rate card that's often 5-15bps cheaper.

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BankSA

Westpac-owned · SA brand

South Australian borrowers. Same credit engine as Westpac/St.George/BoM, with an SA-specific rate card.

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Bankwest

98% LVR · CBA-owned

High-LVR files with real-world flexibility. Worth considering for FHBs who need to borrow above 95%.

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St.George Bank

Westpac-owned · Independent pricing

Independent rate card from parent Westpac — can be 5-15bps cheaper month to month on identical policy.

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UBank

5.84% variable · NAB-owned

Digital-first NAB subsidiary built to compete with itself. Sharp pricing, simple products, no branches.

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Regional Banks

Smaller APRA-regulated banks with genuine policy and pricing differentiation from the Big 4. Often sharper on specific loan types.

AMP Bank

5.82% variable

Post-Royal Commission comeback with competitive investor pricing. Small book, focused niche.

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Auswide Bank

5.79% variable

QLD-headquartered regional with sharp pricing. Notable sub-Big-4 variable rates for prime borrowers.

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Bank of China

5.68% variable

Documented overseas income — a feature almost no other Australian bank offers on a standard residential home loan.

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Bank of Queensland

5.83% variable · 67 products

Sub-Big-4 pricing but a 14-day turnaround that reflects the franchise-branch operational model.

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Bank of Sydney

5.69% variable · zero fees

APRA-regulated ADI with flat pricing across four LVR bands and assessment rate that only Bank Australia narrowly beats.

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HSBC

Loan-size tiered pricing

Prices by loan size as well as LVR — genuinely sharper for large loans ($1M+) than tier-one Australian banks.

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ING

5.89% variable · $0 monthly

The most under-discussed sharp-price lender on the market. 100% offset, no ongoing fees, fast online approval.

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Macquarie Bank

5.84% variable

Premium-segment regional with strict policy and some of the sharpest rates on the panel — for the right profile.

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ME Bank

5.83% variable · BOQ-owned

Industry-super-fund origins, now a BOQ subsidiary. Simple product line for straight-forward prime files.

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Queensland Country Bank

5.54% variable · cheapest on panel

Cheapest variable rate on our 105-lender panel. Available nationally; 8.44% assessment boosts borrowing capacity.

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Suncorp Bank

5.83% variable · 5-day turnaround

QLD regional with a fast turnaround — 5 days from submission to approval for clean prime files.

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Mutual Banks & Credit Unions

Customer-owned lenders. No shareholder dividends to fund, so rates and fees are often sharper than the Big 4 on equivalent files. Membership is usually open to all Australians.

Australian Military Bank

6.14% variable · 23-day turnaround

Defence Force personnel and families. Understands service pay structures and allowances the Big 4 routinely discount.

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Bank Australia

B-Corp certified

B-Corp certified, ethical-investment mutual. Won't lend against fossil-fuel-linked properties or borrowers.

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BCU

P&N Bank subsidiary

Northern NSW-focused mutual, acquired by P&N Bank in 2018. Operates with its own Northern NSW rate card.

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Bendigo Bank

5.94% variable · 7.0x DTI

Community-focused regional mutual. Generous 7.0x DTI cap for borrowers whose debt-to-income ratio is tight.

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Beyond Bank

5.64% variable · 98% LVR

$9B customer-owned bank offering 98% LVR, 62 products, and one of the sharper mutual variable rates on panel.

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The Capricornian

Central QLD mutual

Central Queensland mutual. Worth considering over BOQ or Auswide for borrowers in Rockhampton and the Capricorn Coast.

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Credit Union SA

97% LVR · 26-day turnaround

Holds one genuinely unique policy edge for high-LVR SA borrowers, but turnaround is slow and fees run above mutual average.

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Firefighters Mutual Bank

5.49% variable

Emergency services personnel. Division of Mutual Bank Ltd — one of the sharpest customer-owned variable rates on panel.

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GMCU

5.69% variable · 16 products

Regional Victorian mutual. Small product shelf, sharp rates, deep local knowledge.

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Great Southern Bank

5-day turnaround · open membership

Customer-owned with open membership and a fast 5-day turnaround on clean prime files.

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Health Professionals Bank

5.49% variable

Healthcare workers. Division of Mutual Bank Ltd — matches Firefighters' and UniBank's sharp 5.49% variable.

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Heritage Bank

5.74% variable

Toowoomba-based customer-owned mutual with a century-long track record and competitive pricing.

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Hume Bank

5.74% variable · 98% LVR

Standalone 98% LVR product for FHBs who never touch the Scheme — almost nobody else offers it at this rate.

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MyState Bank

5.84% variable · flat LVR pricing

Flat-rate pricing from 60-95% LVR, plus 95% LVR on investment — both almost unique on panel.

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Newcastle Permanent

NSW mutual · 95% investment LVR

NSW's largest customer-owned bank. Generous investment LVR cap and Hunter Valley headquarters.

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P&N Bank

WA mutual

West Australian customer-owned mutual with deep Perth-market knowledge and owner of BCU in Northern NSW.

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People's Choice Credit Union

90% LVR · FHB focus

Customer-owned lender strong on first-home-buyer files. Can save $8,000-$15,000 on typical FHB settlement vs Big 4.

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QBANK

5.84% variable · 95% LVR

QLD Police and Emergency Services mutual. Servicing-friendly on shift allowances the Big 4 strip 30-50%.

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Teachers Mutual Bank

5.49% variable

Teachers and education workers. Division of Mutual Bank Ltd with one of the sharpest customer-owned variable rates.

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UniBank

5.49% variable

University staff and students. Division of Mutual Bank Ltd — matches Firefighters' and Teachers' 5.49% variable.

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Non-Bank Lenders

Not APRA-regulated, so they can write files that mainstream banks decline. Usually priced above bank rates but with policy that accommodates alt-doc, complex income, credit impairment, and high DTI.

Athena Home Loans

Online-only · auto rate drops

Online-only fintech with no fees and automatic rate drops as LVR reduces. Low-LVR owner-occupier focus.

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Better Choice Home Loans

Specialist · alt-doc

Alternative to Pepper, RedZed and Liberty for specialist files. Smaller book, more direct underwriter access.

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Columbus Capital

Broker-channel only

Broker-only non-bank wholesale funder. Writes branded product for several white-label partners.

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Firstmac

6.18% variable · 53 products

Brisbane-based non-bank writing home loans since 1979. Small book, tight policy, clean pricing for prime borrowers.

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Funding

8.99% variable · 65% LVR

Last-resort when every other lender has said no. Priced accordingly, but writes files others won't touch.

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Granite Home Loans

6.00% variable · 359 products

Third-largest product shelf on our panel. Viable low-doc alternative to Pepper or RedZed for specific profiles.

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Homestar Finance

95% LVR · digital

Aggressive online pricing for prime borrowers. Viable against mainstream or specialist peers depending on file profile.

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La Trobe Financial

Non-bank · SMSF & complex

Strong non-bank for SMSF lending and files where policy complexity exceeds what mainstream specialists will write.

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Liberty Financial

Australia's #2 specialist

Australia's second-largest specialist lender after Pepper. Flexible credit policy, low-doc pathway, self-employed appetite.

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Pepper Money

#1 credit-impaired specialist

Australia's largest specialist non-bank. Accepts defaults, paid/unpaid credit events, and complex income.

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Pepper Money Multi-Product

Distinct product line

Handles files that neither mainstream banks nor mainstream specialists will write. Distinct from Pepper Essential and Advantage.

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RedZed

9.00% · 8.0x DTI · 324 products

Self-employed specialist with 8.0x DTI cap and tiered product shelf. Priced correctly, almost always finds approval.

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Resimac

80% LVR alt-doc sweet spot

40-year-old Australian non-bank. Genuinely sharp on 80% LVR alt-doc files; less competitive elsewhere.

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Specialist Lenders

Purpose-built lenders for specific borrower profiles: Sharia-compliant finance, reverse mortgages, and state-government first-home-buyer schemes.

Heartland Reverse Mortgages

8.80% variable · reverse mortgage

Reverse mortgage for homeowners aged 60+ (65+ for most products) to release equity without regular repayments.

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Hejaz Financial Services

5.80% variable · Sharia-compliant

Most-used Sharia-compliant home finance on panel. Structures through Murabaha, Ijarah and Musharakah rather than interest.

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HomeStart Finance

7.64% variable · 98% LVR

South Australian first-home-buyer scheme. Loan Performance Contribution mechanism keeps 98% LVR viable.

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Keystart

6.60% variable · 98% LVR · 2% deposit

Western Australian government scheme. 2% cash deposit and no LMI — the cheapest path into WA property for eligible FHBs.

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About the other 41 panel lenders

Our full panel totals 105 lenders. The 64 profiled above represent the ones we most frequently place deals with. The remaining 41 include smaller regional mutuals, specialist commercial and SMSF lenders, private credit providers, and lenders where panel accreditation exists but deal-flow is lower. All 105 are searchable through the portal matching engine.

If you're curious whether a specific lender is on our panel, ask directly — we'll tell you, and if we're not accredited with them, we'll tell you that too.

Which Lender is Right for YOU?

Every borrower is different. Our matching engine compares all 105 lenders against your profile and shows which ones you actually qualify for — and at what rate.

✓ Personalised matches
✓ Real-time qualification
✓ 105 lenders compared
✓ No cost to you
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Ricky Esteb - Licensed Mortgage Broker
Richard (Ricky) Esteb
Licensed Mortgage Broker & Founder
Credit Rep #574071 ACN 681 636 056 105-Lender Panel

With direct experience helping Australians secure home loans, car finance, and business funding, Ricky founded Esteb and Co to bring transparency and technology to mortgage broking. Every piece of content is written from real-world lending experience.

✓ Verified & Last Reviewed: December 2025 | Content meets ASIC regulatory requirements
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