5 loan types, 56 lenders and 6 head-to-heads
Compare loans and lenders in Australia
Pick a loan type, see the lenders side by side
A loan comparison starts with the loan type. Choose the loan you want to compare: each page lines up the lenders that offer it, shows how to compare them on comparison rate, fees and features, and sets out repayments at different loan sizes. For two lenders you have already shortlisted, the head-to-heads below cover the differences, and the lender directory has a page on each of the 56 lenders we follow.
Compare by loan type
Each page lists every lender in our directory that offers the loan, with a link to its current rates.
- Compare home loans35 lendersComparison rates and what they leave out, fees, offset and redraw, fixed or variable, LVR and LMI, and repayments from $400,000 to $1 million.Compare
- Compare car loans20 lendersSecured or unsecured, fees and early payout, balloons, dealer finance against your own approval, and repayments from $20,000 to $60,000.Compare
- Compare personal loans20 lendersPersonalised rates from banks and non-bank lenders, comparison rates and fees, secured or unsecured, and repayments from $10,000 to $50,000.Compare
- Compare business loans in Australia22 lendersThe five business loan types, factor rates against interest rates, what 13 lenders publish on limits and floors, and total cost.Compare
- Compare equipment finance13 lendersChattel mortgage, hire purchase and leases, balloons and residuals, manufacturer finance and repayments from $30,000 to $250,000.Compare
Loan comparison at a glance
How many lenders in our directory offer each loan, the example every lender's comparison rate is calculated on, and where to compare and calculate repayments.
| Loan type | Lenders | Comparison rate basis | Compare | Repayments |
|---|---|---|---|---|
| Compare home loans | 35 | Secured loan of $150,000 over 25 years | Compare home loans | Home loan repayment calculator |
| Compare car loans | 20 | Secured loan of $30,000 over 5 years | Compare car loans | Car loan calculator |
| Compare personal loans | 20 | Loan of $30,000 over 5 years, secured or unsecured as the lender states | Compare personal loans | Personal loan calculator |
| Compare business loans in Australia | 22 | None: business lending has no mandatory comparison rate | Compare business loans in Australia | Business loan calculator |
| Compare equipment finance | 13 | None for business use: compare the total cost | Compare equipment finance | Equipment finance calculator |
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Lender counts are from our lender directory, which lists 56 lenders; it is not every lender in Australia. The non-bank lender list covers the lenders without a banking licence.
Lender head-to-heads
Pairs of home lenders that borrowers often shortlist together, compared on products, strengths, trade-offs and which kind of borrower each suits.
- Pepper Money vs Liberty FinancialTwo of Australia's largest specialist non-bank home loan lenders side-by-side. Credit policy, SMSF capability, alt-doc strength, and which lender wins which file.
- Athena Home Loans vs ING AustraliaTwo of the sharpest non-Big-4 home loan options in Australia. The variable rate gap, offset positioning, credit policy fit, and which lender wins for prime owner-occupier files.
- Commonwealth Bank vs WestpacAustralia's two largest mortgage lenders side-by-side. Package discount maths, branch and digital experience, credit policy nuances, and which Big 4 wins for which file in 2026.
- Pepper Money vs La Trobe FinancialTwo of Australia's longest-established non-bank specialist lenders. Credit policy structure, SMSF capability, self-employed alt-doc strength, and which lender wins which file.
- Pepper Money vs Bluestone MortgagesTwo non-bank specialist home loan lenders side-by-side. Self-employed alt-doc capability, credit tier structure, and which lender wins which file.
- Macquarie Bank vs ING AustraliaTwo of the most competitive non-Big-4 home loan options in Australia. Rate positioning, offset, investor and SMSF capability, and which lender wins for which file.
The lender directory
Every lender we follow has its own page: what it lends, who it lends to, its licence and the alternatives to it.
How these comparisons work
The comparison pages list every lender in our directory that offers the loan, what kind of lender it is and which of its products fit. A lender's rate appears only when we captured it from the lender's own page in the last 60 days, with the source linked; otherwise the table links to the lender's own rate card. Inclusion is editorial reference, not a recommendation.
When you ask to be matched, your enquiry goes to a licensed broker who works that kind of lending. The broker compares the lenders on their own panel against your situation and explains the options before you decide anything.