Compare Home Loan Lenders Australia 2025 | Esteb and Co
Lender Comparison

Compare 83 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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Our Complete Lender Panel: 83 Active Lenders

Major banks, regional banks, credit unions, and specialist non-bank lenders—all verified and ready to compare

28
Major Banks
4
Credit Unions
25
Non-Bank Lenders
83
Total Lenders

✓ Our smart matching algorithm compares all 83 lenders and shows you which ones you actually qualify for—saving you hours of manual research.

Get Your Personalized Matches →

Featured Lenders: 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

Which Lender is Best for YOU?

Every borrower is different. Our algorithm analyzes your situation and matches you with the lenders most likely to approve you at the best rate.

✓ Personalized matches
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✓ 83 lenders compared
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Ricky Esteb - Licensed Mortgage Broker
Richard (Ricky) Esteb
Licensed Mortgage Broker & Founder
Credit Rep #574071 ACN 681 636 056 83+ 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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