The Australian lender directory

Australia's largest retail bank by mortgage book. Strong national branch and digital footprint, full-feature offset and redraw across most home loan products.

Australia's oldest bank and second-largest mortgage lender. Premier Advantage Package bundles home loan, transaction account and credit card with rate discount.

Big-four bank with strong corporate and SME franchise. Acquired Suncorp Bank in 2024, broadening retail presence in Queensland.

Big-four bank with the strongest SME and agribusiness franchise of the four. Owns UBank (digital) and 86 400 (now merged into UBank).

WA-headquartered division of Commonwealth Bank, transitioning to digital-only branchless model from 2024. Sharp on home loan refinance pricing.

NSW-rooted division of Westpac Group with a long mortgage broker channel relationship. Often used by Westpac brokers for files where the St.George policy box fits better.

Victorian-focused division of Westpac Group. Same product set as St.George but with Victorian-market positioning and local branch presence.

South Australian division of Westpac Group with strong local heritage and branch presence in SA and NT.

Digital-only NAB-owned bank, merged with 86 400 in 2022. App-first home loan and savings, sharp pricing on simple variable products.

CBA-owned digital home loan brand. Single-product strategy: one variable rate, refinance and purchase, no fees, no offset (yet). Loyalty discount that grows over time.

Queensland-rooted bank, acquired by ANZ in 2024. Maintains its own brand and strong QLD branch presence; back-end progressively integrating with ANZ.

The fifth-largest mortgage lender in Australia and the most aggressive recent challenger to the Big 4 in home loans. Strong digital platform, broker-channel-led.

Dutch-headquartered direct bank with strong digital home loan and savings franchise in Australia. Orange Everyday account widely-used for offset.

QLD-headquartered tier-2 bank, parent of ME Bank and Virgin Money Australia. Branch network particularly strong in QLD.

Victorian-rooted community-banking-model bank, parent of Up. Strong regional footprint and customer-owned-bank-style values within an ASX-listed structure.

Industry-super-fund-founded bank, now owned by BOQ. Strong digital home loan, low-frills positioning with sharp prime pricing.

NSW-based customer-owned bank, merged with Greater Bank in 2023 to form Newcastle Greater Mutual Group. Strong Hunter Valley and central NSW presence.

QLD-rooted customer-owned bank, merged with People's Choice in 2023 to form People First Bank. Strong Darling Downs and SA presence.

NSW-based customer-owned mutual bank with strong Illawarra and Sutherland Shire presence. Frequently price-leads on simple variable home loans.

SA-rooted customer-owned bank with branches in SA, NSW, WA and ACT. B Corp certified, with a strong sustainability and community angle.

Customer-owned bank with explicit "responsible banking" positioning. No fossil fuel investment; clean energy and impact-aligned products.

Customer-owned bank originally for the education sector, now open to all. Specialist packages for teachers, healthcare workers, emergency services and Defence (UniBank, Health Professionals Bank, Firefighters Mutual, Defence Bank brands).

Customer-owned bank originally for NSW Police, now open to all but with specialist policing-and-emergency-services pricing tier.

Customer-owned bank originally for ADF members, open to all. Specialist Defence Home Ownership Assistance Scheme (DHOAS) accredited lender.

Merged entity of Heritage Bank (QLD) and People's Choice (SA), formed in 2023. Largest customer-owned mutual in Australia by member count.

Australia's largest specialist non-bank lender. Strong "near-prime" and "specialist" home loan products for borrowers who fall outside major-bank policy. Also active in car and personal lending.

Diversified non-bank lender across home loans, motor, business and SMSF. Strong specialist home loan capability and niche-borrower-friendly policy box.

One of Australia's longest-established non-bank lenders. Strong capability across alt-doc, near-prime and specialist home loans, plus commercial and SMSF.

Long-established non-bank with broad home loan range from prime to specialist. Pioneered RMBS issuance in Australia. ASX-listed.

Family-owned non-bank lender, one of the largest non-bank issuers of RMBS in Australia. Frequently price-leads on prime variable home loans.

Non-bank specialist in near-prime and specialist home loans. Acquired by Cerberus in 2018; broker-channel-led with focus on borrowers outside major-bank policy.

Specialist non-bank focused exclusively on self-employed home loans and SME lending. Strong alt-doc capability for business owners.

Digital-first non-bank backed by major super funds. Refinance specialist; "no upfront, ongoing or discharge fees" pitch and active loyalty pricing.

Digital-first home loan with fully online application; promised same-day approval. Now backed by Bendigo & Adelaide Bank for funding.

ASX-listed digital lender, originally peer-to-peer, now warehouse-funded. Strong auto, personal and renewable-energy loan range. Risk-tier-priced.

Digital-first lender focused on personal loans and car finance. Fast online decisions and strong consumer-app experience.

Digital lender with personal and car loan focus. ASX-listed; positions on financial wellness with credit-score insights and round-ups.

Liberty Financial-owned digital personal loan and car loan specialist. Strong tier-priced product across the credit spectrum.

ASX-listed consumer finance specialist. Personal, car and credit-card products with strong retail-partner network (Apple, Harvey Norman, JB Hi-Fi).

Originally peer-to-peer, acquired by MoneyMe in 2022. Personal loan specialist with risk-tier pricing.

ASX-listed digital lender with personal loan, car finance and credit card range. Acquired SocietyOne in 2022.

NZ-headquartered ASX-listed digital personal-loan specialist. Originally P2P, now warehouse-funded. Risk-tier pricing.

ASX-listed SME small-business loan specialist. Fast unsecured term loans (up to $500k) for established trading businesses.

Specialist SME unsecured-and-secured term loan provider. Stronger pricing for established businesses with property security.

Digital SME lender with same-day decisioning on unsecured term and line of credit products. Fintech-style underwriting using bank-feed analytics.

Australian arm of US-headquartered SME lender. Term loans and lines of credit for established businesses.

Specialist SME lender with term loans and merchant cash advance products. Strong for businesses with predictable card-revenue cash flow.

Digital SME term loan specialist with bank-feed-based underwriting. Strong relationship with Xero and MYOB.

Australia's largest specialist SME working capital lender. Strong invoice finance and trade finance offering.

ASX-listed specialist invoice finance and equipment finance lender. Formerly CML Group.

Specialist SME working capital and trade finance provider. Strong for B2B businesses with import or domestic supplier finance needs.

Rebranded from GetCapital in 2024. SME term loan, line of credit, and asset finance specialist with strong broker channel.

Specialist asset and equipment finance lender. Strong for heavy commercial vehicles, primary production equipment, and trade equipment.

Specialist asset finance lender for SMEs and consumers. Strong vehicle and equipment finance offering through the broker channel.

Personal loan and car loan specialist with risk-tier pricing. Online application and decisioning.

Australian arm of global HSBC. Premier banking for high-income borrowers; offshore-income-aware home loan policy.