60+ Australian lenders, one honest recommendation.

• Major banks

  The household-name banks and their close-aligned brands.

  A major bank is often the right call when service certainty and a familiar branch network matter more than the last few basis points. Pricing is rarely the sharpest on panel, but the process is well-worn — so for straightforward files where speed counts, this is frequently where we land.

  • · Reliable, predictable turnaround on clean PAYG and professional-package files
  • · Strong construction and high-LVR package options for eligible borrowers
  • · Deep policy for medical, dental and other recognised professions — some packages can reduce or waive LMI, subject to each lender's current policy

• Mid-tier and regional banks

  Second-tier banks, customer-owned and regionally-grown lenders.

  A second-tier bank can match a major on features while shaving the rate — particularly for clean, sub-80% LVR refinances. Some have genuinely local underwriting, which is invaluable on regional security or a file that needs a human to read the context rather than a scorecard.

  • · Often the sharpest pricing on low-LVR owner-occupier and refinance files
  • · Strong digital and offset features, frequently with lower ongoing fees than the majors
  • · Local or owner-managed credit decisioning that helps when a file needs its story explained

• Non-bank specialists

  Non-bank lenders for self-employed, alt-doc and near-prime files.

  When a bank says no for a defect on the file, a specialist non-bank often gets the deal across — and their prime products can still be competitive for a borrower who simply doesn't fit a bank's tick-box. We use this part of the panel a lot for self-employed clients and complex income.

  • · Pragmatic self-employed and alt-doc products that accept fewer forms of income evidence
  • · Near-prime appetite when a major declines for an old default, missed payment or ATO arrangement
  • · Genuine prime alternatives that can compete with the majors on cleaner, sub-80% files

• Specialist and complex-file lenders

  Lenders built for SMSF, commercial, construction and credit recovery.

  This is where the harder files go — Limited Recourse through your Super, commercial, lease-doc, or a client recovering from a credit event over the next couple of years. The lenders here are the most commercially-minded on the panel and read a file on its merits.

  • · Deep appetite for Limited Recourse lending through your Super and commercial security
  • · Lease-doc, construction and development finance for investors and builders
  • · Credit-recovery pathways for clients rebuilding after a default, arrears or insolvency event

We don’t publish per-lender advertised rates here — the right rate depends on your deposit, security, income type and the day. Bring us your file and we’ll show you live, like-for-like comparison rates from across the panel.