Every Australian lender in our index.
Rates come from authoritative Australian lender sources, checked daily against each lender's current published pricing. No affiliate shading, every lender is shown if its rate qualifies.
Compare owner-occupier home loan rates
Which lenders can you compare on Ratesniffers?
Ratesniffers lists 54 lender pages in this directory, covering the four major banks and their retail brands, regional and customer-owned banks, non-bank and specialist lenders, and digital lenders that write home loans without branches. Across the wider index it tracks 16,429 home loan products from 50+ Australian lenders, last updated .
How the directory works: every lender in the index gets a page whether or not its pricing is competitive today, the pages are ordered alphabetically rather than by rank, no lender can buy a position, and each page carries that lender's live products with their comparison rates and the statutory comparison-rate warning. For the ranked comparison across lenders, use home loan rates or the cheapest home loans hub.
The panel by lender type
How a lender is funded and distributed shapes the rate it can advertise and the borrowers it will assess. These 46 lender pages are grouped by type below; the full alphabetical directory follows after them.
Major banks and their retail brands
The four largest Australian banks plus the retail brands they own. Broad product ranges, branch networks, and pricing that leans on discretionary discounts rather than a sharp advertised rate.
CommBank · Westpac · ANZ · National Australia Bank · Bankwest · St.George Bank · Bank of Melbourne · BankSA
Regional and customer-owned banks
Regional banks, mutuals and former credit unions and building societies, owned by their members rather than shareholders. Profits are returned through pricing and service rather than dividends, and product ranges are narrower than the majors.
Bank of Queensland Limited · Newcastle Permanent Building Society · Great Southern Bank · Bank Australia · Beyond Bank Australia · Teachers Mutual Bank · People First Bank · People's Choice and Heritage · Heritage Bank · MyState Bank · Queensland Country Bank · Hume Bank · Auswide Bank Ltd · P&N Bank · Credit Union SA · BCU Bank · Australian Military Bank · Firefighters Mutual Bank · Health Professionals Bank · UniBank · Bank of Sydney · QBANK · The Capricornian · GMCU
Non-bank and specialist lenders
Lenders funded through securitisation rather than deposits, including the specialist and alt-doc names that assess self-employed income, past credit events and non-standard security. Pricing is risk-based, so it sits above the prime panel.
Pepper Money · LaTrobe Financial · Liberty Financial · Resimac · Firstmac · Granite Home Loans · RedZed · Heartland Bank · Hejaz Financial Services · HomeStart · Keystart · ASCF
Digital and branchless lenders
Lenders that write home loans without a retail branch network, applying and servicing online or by phone. Lower distribution costs often show up as a sharper advertised rate and a thinner product range.
Big 4 bank home loan rates
All other lenders, A to Z
Lender questions, answered
How many lenders and home loan products does Ratesniffers track?
The directory lists 54 lender pages, covering the four major banks and their retail brands, regional and customer-owned banks, non-bank and specialist lenders, and digital lenders that write home loans without branches. Across the wider index Ratesniffers tracks 16,429 home loan products from 50+ Australian lenders, last updated 17 October 2026.
How does the Ratesniffers lender directory work?
Every lender in the index gets its own page, whether or not its pricing is competitive today, and the pages are ordered alphabetically rather than by rank. Nothing on this page is paid placement and no lender can buy a position. Each lender page carries that lender's live products with their comparison rates and the statutory comparison-rate warning, checked daily against each lender's current published pricing.
Are the big four banks cheaper than smaller lenders?
Usually not on advertised rates. Smaller lenders, mutuals and digital lenders typically advertise the sharpest variable rates, while the big four compete through discretionary discounts, offset features and branch service. The ranked comparison on the home loan rates hub sorts by comparison rate, which folds most standard fees into one figure, and is the reliable way to see where any lender sits today.