The Australian lender directory
Australia’s lenders fall into three groups: the big four banks and their brands, tier-2 and customer-owned banks, and non-bank lenders that lend without a banking licence. This directory covers 56 of them across home loans, car finance, personal loans, business loans and equipment finance, with a page on each and a link to its current rates.
To line lenders up for one kind of loan, start with compare loans and lenders; for lenders without a banking licence, see the list of non-bank lenders in Australia with each one's ASIC credit licence. Each lender's review is on its page, and all of them are on the lender and broker reviews page.
Big four banks and their brands
Commonwealth Bank, Westpac, NAB and ANZ, and the banking brands they own. On APRA’s August 2026 figures the four held 73.0% of the home loans on the books of Australia’s deposit-taking institutions.
The big four banks (4)
Australia’s largest home lender on APRA’s figures. Its home loans run from the online-only Digi Home Loan to the Standard Variable Rate loan with up to 99 offset accounts, alongside personal, car, business and equipment lending.
Australia’s oldest bank and its second-largest home lender on APRA’s figures. Home loans range from the fee-free Flexi First Option to the Rocket Repay loan with up to 10 offset accounts, alongside personal, car, business and equipment lending.
Big four bank headquartered in Melbourne whose new home loans carry no package or ANZ set-up or ongoing fees. It owns Suncorp Bank, bought in 2024, and lends to households and businesses, including GoBiz online business loans and vehicle and equipment finance.
Big four bank formed in 1981 and headquartered in Melbourne, with the NAB Tailored and Base Variable home loans, personal and car loans (the car loan delivered with Plenti), QuickBiz online business loans and vehicle and equipment finance. The NAB Group includes UBank and Bank of New Zealand.
Brands owned by the big four (7)
WA-based division of Commonwealth Bank that now lends home loans only, through its app, phone-based home loan specialists and accredited mortgage brokers, after moving to a digital model in 2024.
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 Banking Corporation, tracing its history to The Savings Bank of South Australia in 1848. It lends home loans, personal and car loans, business loans and vehicle and equipment finance, with branches and ATMs in South Australia.
Digital bank that is part of NAB and operates under NAB’s banking licence, with Neat and Flex home loans applied for online. NAB says Ubank grew to over one million customers after NAB acquired 86 400 and moved Ubank to a new technology platform.
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.
The banking business ANZ bought in 2024, trading as Suncorp Bank through Norfina Limited, with home loans, business loans and equipment finance. Its accounts and products are due to move to ANZ in 2027.
Tier-2 banks and customer-owned lenders
Banks outside the big four, often called tier-2 or second-tier lenders, the Australian subsidiary of an overseas bank, and customer-owned banks, building societies and credit unions. Every lender in this group is an authorised deposit-taking institution on APRA’s register, or lends through one.
Tier-2 and overseas-owned banks (6)
The fifth-largest home lender on APRA’s figures and the largest outside the big four. Its home loans are the fee-free Basic Home Loan and the Offset Home Loan with up to 10 offset accounts, and it lends to businesses; it no longer takes new car loan applications.
Branchless bank wholly owned by ING Group, with the fee-free Mortgage Simplifier, the Orange Advantage offset loan, fixed rate and green upgrade home loans, an unsecured personal loan and commercial property loans.
QLD-headquartered tier-2 bank, parent of ME Bank and Virgin Money Australia. Branch network particularly strong in QLD. One of the tier-2 lenders that repriced variable rates downward out of cycle in July 2026 while the majors sat still, which is typical of how BOQ competes: sharpen the front book when it wants volume.
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.
Australian arm of global HSBC. Premier banking for high-income borrowers; offshore-income-aware home loan policy.
Customer-owned banks and mutuals (9)
Customer-owned mutual with no shareholders, part of Newcastle Greater Mutual Group Ltd with Greater Bank after members voted for the merger in 2022. It lends home loans, bridging loans, and secured and unsecured personal and car loans.
QLD-rooted customer-owned bank, merged with People's Choice in 2023 to form People First Bank. Strong Darling Downs and SA presence.
Member-owned mutual bank (IMB Ltd) that has traded as IMB Bank since 2015, with basic, offset and fixed rate home loans, bridging finance, new car and personal loans, and property-secured business 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.
Member-owned bank for the education community: teachers, education staff, education students and graduates, and their families. A division of Teachers Mutual Bank Limited, which also runs Australian Mutual Bank, UniBank, Firefighters Mutual Bank and Health Professionals Bank.
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.
Lenders whose loans a bank provides (2)
Digital home loan brand that has become Tiimely Home: tictoc.com.au now redirects to tiimelyhome.com.au, and Bendigo and Adelaide Bank is the credit provider for its Tiimely Own home loans.
Specialist asset and equipment finance lender. Strong for heavy commercial vehicles, primary production equipment, and trade equipment.
Non-bank lenders
Lenders that are not authorised deposit-taking institutions: they lend without a banking licence and do not take deposits. Those that lend to consumers hold an Australian Credit Licence from ASIC, and many report their lending to APRA as registered financial corporations. The non-bank lender list sets them out with licence numbers and APRA status.
Non-bank home loan lenders (8)
Australia's largest specialist non-bank lender. Strong "near-prime" and "specialist" home loan products for borrowers who fall outside major-bank policy, plus risk-tiered car and personal loans, distributed mainly through accredited brokers.
Non-bank lender established in 1997 and part of ASX-listed Liberty Financial Group. It lends home, car, personal, business and SMSF loans, with low doc and fresh start options for self-employed borrowers and people with poor credit.
Residential and commercial property lender and alternative asset manager founded in Melbourne in 1952. It lends through brokers and direct, with Full Doc and Lite Doc options for self-employed borrowers plus SMSF, construction, bridging, expatriate and non-resident loans.
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.
Privately owned non-bank lender founded in 2006 that lends only to the self-employed: home loans, commercial property loans and SMSF loans, all at variable rates and all secured by real estate, through its own lending managers and accredited brokers.
Digital home lender for owner occupiers and investors. Its Straight Up and Power Up loans carry no Athena fees and are priced at a reference rate less a discount that grows as the loan to value ratio falls; Tailored loans cover companies, trusts, self-employed and lower-deposit borrowers.
Non-bank personal and car loan lenders (9)
ASX-listed non-bank lender established in 2014, with unsecured personal loans, secured car and EV loans, car loan refinance and green loans, applied for online or through accredited brokers. It also delivers the NAB Car Loan under a partnership with NAB.
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 lender headquartered in Melbourne, formed from GE’s Australian and New Zealand consumer finance business in 2015. It lends through the Latitude Personal Loan, fixed or variable and secured or unsecured, directly online and through accredited brokers.
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.
Personal loan and car loan specialist with risk-tier pricing. Online application and decisioning.
Non-bank business and equipment lenders (11)
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 finance lender for small businesses, distributed through accredited brokers. It finances commercial vehicles, trucks, trailers and yellow goods from $10,000 to $1,000,000 with fixed repayments, and runs a vendor program for equipment suppliers.
The largest home lenders in Australia
Housing loans on the Australian books of banks and other deposit-taking institutions, from APRA's Monthly ADI Statistics for August 2026. The big four held 73.0% of the $2,503.7 billion total, and the top five, with Macquarie, held 80.5%. Non-bank lenders are not in these statistics, because they are not deposit-taking institutions.
| Rank | Institution (as APRA lists it) | Owner-occupied | Investment | Share of total |
|---|---|---|---|---|
| 1 | Commonwealth Bank of Australia | $417.1 billion | $222.9 billion | 25.6% |
| 2 | Westpac Banking Corporation | $332.9 billion | $171.0 billion | 20.1% |
| 3 | National Australia Bank Limited | $236.3 billion | $115.3 billion | 14.0% |
| 4 | Australia and New Zealand Banking Group Limited | $219.2 billion | $114.0 billion | 13.3% |
| 5 | Macquarie Bank Limited | $115.3 billion | $72.6 billion | 7.5% |
| 6 | ING Bank (Australia) Limited | $55.9 billion | $19.0 billion | 3.0% |
| 7 | Bendigo and Adelaide Bank Limited | $49.4 billion | $15.0 billion | 2.6% |
| 8 | Norfina Limited | $39.4 billion | $17.0 billion | 2.3% |
| 9 | Bank of Queensland Limited | $35.1 billion | $15.6 billion | 2.0% |
| 10 | HSBC Bank Australia Limited | $24.0 billion | $10.4 billion | 1.4% |
Source: APRA, Monthly authorised deposit-taking institution statistics, August 2026 (released September 2026), Table 2, housing loans; read 30 September 2026. Figures include each bank's brands (Bankwest and Unloan sit within Commonwealth Bank, St.George, Bank of Melbourne and BankSA within Westpac, ubank within NAB). Size is not a measure of price. APRA statistics
Banks, tier-2 and non-bank lenders: common questions
Who are the top 5 mortgage lenders in Australia?
By home loans on their books, the five largest in APRA’s August 2026 statistics were Commonwealth Bank ($640.1 billion, 25.6%), Westpac ($503.8 billion, 20.1%), NAB ($351.7 billion, 14.0%), ANZ ($333.2 billion, 13.3%) and Macquarie Bank ($187.9 billion, 7.5%), together 80.5% of the housing loans held by deposit-taking institutions. The figures include each bank’s brands. Size is not a measure of price, so compare loans rather than lenders.
What is a tier-2 lender in Australia?
A bank outside the big four, sometimes called a second-tier lender. Leaving out the big four and the brands they own, the largest by home loans in APRA’s statistics are Macquarie Bank, ING, Bendigo and Adelaide Bank, Bank of Queensland and HSBC; customer-owned banks such as Newcastle Permanent, Teachers Mutual Bank and IMB Bank also sit outside the big four. It is an industry term, not a legal category: every one of these is an authorised deposit-taking institution regulated by APRA, like the big four.
What is a non-bank lender?
A lender that is not an authorised deposit-taking institution (ADI): it does not hold a banking licence from APRA and does not take deposits. A non-bank that lends to consumers needs an Australian Credit Licence from ASIC and follows the same responsible lending laws as a bank, and many report their lending to APRA as registered financial corporations.
Can you list the non-bank lenders in Australia?
The non-bank lenders in this directory are, for home loans, Pepper Money, Liberty, La Trobe Financial, Resimac, Firstmac, Bluestone, RedZed and Athena; for personal and car loans, Plenti, Now Finance, Wisr, MoneyPlace, Latitude, SocietyOne, MoneyMe, Harmoney and OurMoneyMarket; and for business and equipment finance, Prospa, Banjo, Lumi, OnDeck, Capify, Moula, ScotPac, Earlypay, Octet, Shift and Angle Finance. APRA’s register of registered financial corporations, updated 7 September 2026, lists the non-bank lenders that report their lending to APRA.
Who are the largest non-bank lenders in Australia?
APRA’s monthly lending statistics cover only deposit-taking institutions, so there is no official table of non-bank lenders, and each lender reports its size on a different measure. On their own latest figures, La Trobe Financial has passed $25 billion of assets under management (August 2026), Pepper Money had $24.0 billion under management at 30 June 2026, $18.5 billion of it its own loans, Firstmac manages $22 billion of home loans (August 2026), Resimac had $16.5 billion under management at 30 June 2026, and Liberty Financial reported $15.2 billion of financial assets for the year to June 2026. Among consumer lenders, Latitude reported $7.3 billion of customer balances and Plenti a $3.3 billion loan portfolio at 30 June 2026.
Can I get a personal loan from a non-bank lender?
Yes. Non-bank lenders offering personal loans when we checked their sites on 30 September 2026 included Plenti (up to $75,000), Harmoney ($2,000 to $100,000), Wisr ($5,000 to $62,000), MoneyMe and SocietyOne ($5,000 to $70,000 each), NOW Finance ($5,000 to $100,000), OurMoneyMarket ($5,000 to $75,000), MoneyPlace (up to $80,000) and Latitude, and Pepper Money offers personal loans provided by NOW Finance. A personal loan to an individual is regulated under the National Credit Code whether the lender is a bank or not.
Is it safe to borrow from a non-bank lender?
A loan from a licensed non-bank lender carries the same core protections as a bank loan: consumer lending is covered by the National Credit Code and ASIC’s responsible lending rules, and credit licensees must belong to the Australian Financial Complaints Authority (AFCA), which handles disputes. Check the lender’s licence on ASIC’s Professional Registers before you apply; each lender page here shows the licence number we matched on the register.
Inclusion in this directory is editorial reference, not a recommendation. Bank status is from APRA's register of authorised deposit-taking institutions and licence numbers from ASIC's credit licence register; each lender's page links to its current rates.