Our Lenders 

We have plenty of great lenders for you to choose from. Most you'll know, some you won't, all with awesome offers, covering pretty much any situation. So we’ve removed their ‘corporate spin’ for you - this is our take on the banks and lenders!

ING came to Australia in 1999 and they tell us they have grown to become Australia's 5th largest mortgage lender. They pioneered branchless banking in Oz and are famous for their high interest Savings Maximiser account. They’re a bank who serve customers all across the country and are based in Sydney.
These guys are one of Australia biggest finance companies, specialising in banking & insurance. They offer a full banking service with a large branch network. They were pretty excited to win Money magazine’s ‘Bank of the Year 2015’, as it was the first time a non-major bank had won the award. Suncorp was founded in 1902, and is now Australia’s fifth largest bank with head office in Brisbane.
Macquarie is one of Australia’s leading Investment banks, having been established in Sydney in 1969. Despite offering financial services across 28 countries worldwide, they still offer home loans & normal banking services to everyday Aussies . Without their own branch network, they have a pretty damn good digital banking platform as well.
These guys are like banking royalty in WA. Having been around since 1895 they now not only support all of Western Australia from their Perth base, but Australians all across the country. Providing for both homeowners and business owners, their service is like a small bank but with the backing of a big bank, easily making them one of the top banks in Australia.
When some credit unions in Tasmania & Queensland get together to create better services for their members, you get MyState Bank. Another stock-market listed bank, they are starting to be heard across the country with their fresh take on banking from their Hobart base. A full service bank with a growing digital presence, these are a bank that we think you’ll hear more about in the future.
With origins dating back to 1877, Adelaide Bank is part of the stock market-listed Bendigo & Adelaide Bank group and are well practised in providing top notch home lending and banking. Without their own branch network, they punch well above their weight with great products supported by their digital banking services.
ME is a different type of bank. Owned by 26 Industry Super funds, they are branchless, Online-only bank and yet are award winning. With a head office in Melbourne since they were established in 1999, they cover all bases with home loans, credit cards & deposits. If there was one lender that was a picture of the future, we reckon it’s these guys. Oh, and we love their marketing campaigns too!
When a few community-based regional Queensland building societies get together, you end up with the Bundaberg based Auswide Bank. Another stock market listed bank, they are renowned for their highly rated service - the kind of service you’d expect elsewhere but just don’t get. They have all the products with all the trimmings that you need, they just don’t seem to charge for them the way others do! A bank to seriously consider, particularly as they continue to improve their digital banking.
Dare we say it, BOQ is the sleeping giant of Australian banking. Despite foundations in Brisbane dating back to 1874, they have a national banking network, with branches in every state & territory across the country. A full service personal & business bank, they are another stock market listed lender that doesn’t feel the need to charge the way some of the big guys do and still manages to offer really good service. They are known for their local touch and doing it a bit differently.
AMP tell us they are the leading independent wealth management company in Australia and New Zealand. With a head office in Sydney after starting way back in 1849 it made sense for them to create AMP Bank as the specialist residential banking arm of AMP, because our home is part of all of our personal wealth. With over five million customers we reckon they might know a thing or two about what Australians want in a home loan.
Coming out of the famous St George district in Sydney in 1937, (where Don Bradman played) this is one of Australia’s most highly-regarded banks. Well known for their amazing service, little has changed with their big-bank backing. They often have market-leading loans and can lend where others generally won’t. It’s hard to find someone say a bad word about St George.
Fancy some frequent flyer points with your home loan? Check out Virgin Money - these guys are totally out of the box with service and rewards! They actually get it - and that’s why we love them. They have been around since 2003 (starting in Brisbane) and just keep getting better and better. Dare we say it - a digital bank of the future, right here, right now.
These guys are Australia’s largest customer-owned bank, meaning if you’re a customer then you’re also a part owner! Cool, huh? They have been around since 1875 and are based in Toowoomba, yet have offices all across the country to provide their full banking services. They are renowned for their customer service and are well on their way to fully developing their digital banking services.
Firstmac are a highly-rated Brisbane based non-bank lender, which means their focus is home loans and they are really really good at that. They have been around since 1985 and see themselves as an alternative lender to the Big 4, but we think they are heaps better than just being an alternative. They have very competitive interest rates and because they don’t have a branch network, they use technology well for the customer service.
If Macquarie is one of Australia’s leading investment banks, then Citibank is one of the world’s leading. Having set up operations in Sydney in 1985 the were the first foreign bank to be granted a banking licence in Oz. Utilising their international experience in financial services they specialise in credit cards, mortgages & insurance.
Most banks want squeaky clean customers, whereas Pepper understands that life happens and things don’t always go according to plan. Since 2001, from their head office in Sydney, Pepper has become one of Australia’s leading alternative lenders, for people who don’t tick the traditional boxes for a home loan. We normally don’t quote lender’s marketing here but their line of ‘in a world of no, they found a way of saying yes’ really did resonate with us.
This Perth-based lender has been around since 1985 and specialise in just home loans. They always seem to have fantastic loans and rates and they are well known for their range of loans, helping people in most situations, particularly if they don’t fit a major bank. Would be hard to go wrong with this stock market listed lender.
After starting in 1989, it only took 8 years before they were swallowed up by Westpac, the disappeared altogether in 2004. But Westpac brought them back to life in 2011 and it seems Melbourne was pretty happy to get their bank back! A bit edgy, a bit different, with a strong local flavour, we’ve heard lots of positive things about Bank of Melbourne.
This Melbourne-based lender has been around for just a few years; and only have a couple of loans to choose from; but gee whizz, they are a cracking little lender! Backed by two of Australia’s biggest banks, they deliver a simple product, great service, with a totally digital presence. And they’re only available through select brokers - like us!
These guys have been around since 1848 and are South Australia’s biggest bank. Apparently, their first customer was an Afghan shepherd (seriously!) and have continued serving locals ever since. Despite some rough times in the past, and a few names changes, with their big-bank backing we expect they’ll still be a favourite of most South Australians (like Coopers beer)!
A bank starting out of the Chemistry department of a university? Sounds like a Hollywood horror movie! Actually it’s anything but that! UniBank, is a bank for staff, students, graduates & post-graduates (& their family) of an Australian university. And if you’re a customer, then you’re also a part owner, which is extra cool! They have been around since 1964 and are based in Perth, offer full banking services and are getting right up to speed with their digital banking. They always seem to have great rates too...
A bank (or building society in this case) that supports the community it serves. Sounds like a contradiction of terms, right? Happily, Newcastle Permanent actually does. Having been around since 1908, they have a good branch network, a great digital platform and all customers are part-owners. A truckload of banking products and great rates, you kinda feel a bit of FOMO by not being part of them!
One of Australia’s big 4 banks, Westpac is Australia's first bank and first ever company, having been founded in 1817. From their base in Sydney, they offer a full range of banking & financial services, with a large branch network across the country.
IMB are another awesome example of a bank serving their community; and have been doing so since 1880. A good branch network, great digital banking and some awesome home loans and finance products with really good rates, we really like how these guys are going about helping and serving their locals. Another lender whose customers and part-owners. Hard not to love these guys.
One of Australia’s big 4 banks, ANZ has been around since 1835. From their base in Melbourne, they offer a full range of banking & financial services, with a large branch network across the country.
From a small credit union to a digital bank, all in the 63 years since they started. That is quite a journey for a one-branch Sydney bank, particularly as if you’re a customer, you’re also a part owner. They have all the finance product that you’d want; and all available online. So they must be doing plenty right, if they have over 30,000 Australians as members. Totally worth a good look.
A bank just for teachers - now that’s kinda cool! Actually Teachers Mutual, is a bank for education industry staff (& their family). And if you’re a customer, then you’re also a part owner, which is extra cool! They have been around since 1966 and are based in Sydney, offer full banking services and are getting right up to speed with their digital banking. They always seem to have great rates too...
One of Australia’s big 4 banks, NAB has been around since 1858. From their base in Melbourne, they offer a full range of banking & financial services, with a large branch network across the country.
A bank just for Firefighters - that’s a bit cool too! Actually Firefighters Mutual, is a bank for fire & emergency industry staff, former staff (& their family). And if you’re a customer, then you’re also a part owner, which is just that extra bit cool! They have been around since 1968 and are based in Sydney, offer full banking services and are getting right up to speed with their digital banking. They always seem to have great rates too...
Another example of when a few industry-based credit unions get together, you end up with a customer-owned bank! Having been around since in some form since 1969, P&N offer a great range of finance products from their good branch network or their online platforms. And my goodness, don’t they offer some awesome interest rates to match!
One of Australia’s big 4 banks, Commonwealth Bank has been around since 1912. From their base in Sydney, they offer a full range of banking & financial services, with a large branch network across the country.
If your life hasn’t been as perfect as the big banks demand it, then these guys are a lender that you can turn to. Since 1952, from their head office base in Melbourne, LaTrobe is one of Australia’s leading lenders, for people who don’t tick the traditional boxes for a home loan. And unusually, they also offer deposits accounts for investors. They’re pretty cool, even though they’re sponsors of Collingwood (just kidding, Eddie)!
These guys are another one of those lenders who don’t mind if you aren’t squeaky clean. In fact, it’s where they tend to show of their skills and empathy for you. From their head-office Sydney since 2000, they’ve catered to most Australians, with their small range of home loan products, all serviced online. We don’t think they’re a bad option if life hasn’t always been a smooth road for you.
Since 1991, these Gold Coast-based Mortgage Managers, like to find a way to help business owners buy a home, or those where life hasn’t quite gone to plan. They have access to a huge range of loans of all shapes and sizes and are backed by a heap of different lenders. Another one worth considering if you’re sick of the majors.
This Perth-based lender has only been around since 2008, but they are starting to be known for super sharp interest rates and having a real understanding of first home owners. We think they are definitely one to consider.
The Gold Coast-based Mortgage Manager has been lending since 2003 and are known for super sharp interest rates and lending where other major lenders won’t. Backed by some of Australia’s biggest non-big 4 banks, they worth considering, particularly if you’re sick of the major banks.
These guys are a Brisbane-based Mortgage Manager who specialise in loans & services that most banks and lenders don’t. They are often prepared to take bit more risk where others aren’t, and whilst it may cost a little more, it can get you the property you want or out of a bind. They are very hands on and a really nice local team, and have been doing this since 1999.
This Mortgage Manager has been around since 2005 and has a small range of loans that cover a broad range of situations. Based in Adelaide, they offer very good interest rates, and are an alternative for those Australians that don’t tick all the boxes of the major banks.
The Melbourne-based lender has been around since 2004 and are a boutique lender for home owners or investors. They are absolute experts in providing loans to get good people out of tricky situations or provide a short term loan. They are a bit costly, and definitely not the first point of call for a home loan, but a good option as your Plan C (if Plan A & B don’t work out).
This Melbourne-based Mortgage Manager has been residential and investment home loans since 1999.
A Sydney-based lender who provide boutique lending, particularly for business owners, where the options just aren’t straight forward. One to consider when the major’s won’t even consider you, even if they are a little costly, because they are quite flexible.