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Honest lender reviews · Checked daily

Home loan lender reviews.

Independent reviews of Australia's major home loan lenders: the factual pros and cons, who each one suits, who should look elsewhere, and how the rates compare. Every figure is built from the live products we track, rates as at 27 August 2026, with no affiliate bias.

CommBank logo
CommBank review
Variable from 8.68% p.a.
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Westpac logo
Westpac review
Variable from 6.69% p.a.
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National Australia Bank logo
National Australia Bank review
Variable from 6.99% p.a.
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ANZ logo
ANZ review
Variable from 6.01% p.a.
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ANZ Plus logo
ANZ Plus review
Variable from 6.25% p.a.
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Macquarie Bank Limited logo
Macquarie Bank Limited review
Variable from 6.09% p.a.
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ING Bank (Australia) Ltd logo
ING Bank (Australia) Ltd review
Variable from 6.14% p.a.
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Suncorp Bank logo
Suncorp Bank review
Variable from 6.13% p.a.
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Bendigo Bank logo
Bendigo Bank review
Variable from 6.13% p.a.
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Bank of Queensland Limited logo
Bank of Queensland Limited review
Variable from 5.93% p.a.
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Bankwest logo
Bankwest review
Variable from 6.49% p.a.
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St.George Bank logo
St.George Bank review
Variable from 6.39% p.a.
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Bank of Melbourne logo
Bank of Melbourne review
Variable from 9.38% p.a.
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BankSA logo
BankSA review
Variable from 6.39% p.a.
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UBank logo
UBank review
Variable from 6.14% p.a.
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ME Bank - ME Go logo
ME Bank - ME Go review
Variable from 6.04% p.a.
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AMP Bank GO logo
AMP Bank GO review
Variable from 6.08% p.a.
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Great Southern Bank logo
Great Southern Bank review
Variable from 6.24% p.a.
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Newcastle Permanent Building Society logo
Newcastle Permanent Building Society review
Variable from 5.89% p.a.
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Judo Bank logo
Judo Bank review
Variable from 8.65% p.a.
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*Important Information and Comparison Rate Warning

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.

The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.

Lender reviews: frequently asked questions

How does Ratesniffers review home loan lenders?

Each review is built from the live home loan products Ratesniffers tracks for that lender, rates as at 27 August 2026. We state the factual pros and cons, who the lender suits, who should look elsewhere, the rate range, and a plain verdict on how it compares to the market median. There's no affiliate bias and no paid placement.

Which lender has the best home loan?

There's no single best lender. The cheapest loan for you depends on your deposit, whether you're an owner-occupier or investor, and the features you'll use, like an offset account. Read each lender's review for its pros and cons, then compare the live rates side by side before deciding.

Are these reviews independent?

Yes. The pros, cons and verdicts are built from each lender's live rates and product features, not from commercial arrangements. Where a lender's rate sits above the market median, the review says so plainly, and where it sits below, it says that too.
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