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Home loans entail some tricky decisions: do you go for the security of a fixed rate or snap up the lowest variable rate on the block? And which home loans have the best features?
Whether you're a first home buyer, veteran investor, or are looking to refinance an existing loan, check out our Home Loan Top 5 to see who gets the gong.
Pick a provider from the list below to get the inside story from real customers. You can order them by name, overall rating or by the features that matter to you, by clicking on the column headers.
| Institution | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Dnister Ukrainian Credit Co-Operative | 10.0 (1 REVIEW) | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 |
| BEAT Home Loans | 10.0 (1 REVIEW) | 10.0 | 10.0 | 10.0 | 9.0 | 10.0 |
| Electricity Credit Union | 10.0 (1 REVIEW) | 8.0 | 9.0 | 10.0 | 10.0 | 10.0 |
| Queensland Professional CU | 10.0 (1 REVIEW) | 8.0 | 10.0 | 10.0 | 10.0 | 10.0 |
| WAW Credit Union | 10.0 (1 REVIEW) | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 |
| Central West Credit Union | 10.0 (1 REVIEW) | 7.0 | 5.0 | 10.0 | 10.0 | 10.0 |
| Family First Credit Union | 10.0 (1 REVIEW) | 7.0 | 8.0 | 10.0 | 7.0 | 10.0 |
| ecu Australia | 10.0 (1 REVIEW) | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 |
| Police Credit Union SA NT | 10.0 (1 REVIEW) | 8.0 | 8.0 | 10.0 | 10.0 | 10.0 |
| Summerland Credit Union | 10.0 (1 REVIEW) | 8.0 | 8.0 | 10.0 | 10.0 | 10.0 |
| Intech Credit Union | 10.0 (1 REVIEW) | 7.0 | 8.0 | 8.0 | 8.0 | 10.0 |
| Fire Brigades Employees Credit Union | 10.0 (1 REVIEW) | 10.0 | 8.0 | 10.0 | 10.0 | 10.0 |
| SCU | 10.0 (1 REVIEW) | 8.0 | 5.0 | 10.0 | 10.0 | 10.0 |
| Hume Building Society | 9.8 (4 REVIEWS) | 9.75 | 9.25 | 9.75 | 9.75 | 10.0 |
| Illawarra Home Loans | 9.5 (2 REVIEWS) | 10.0 | 10.0 | 10.0 | 9.5 | 10.0 |
| HomeStart | 9.5 (2 REVIEWS) | 7.0 | 5.5 | 10.0 | 9.0 | 9.5 |
| Teachers Credit Union | 9.4 (7 REVIEWS) | 8.86 | 9.14 | 9.43 | 8.14 | 9.71 |
| Queensland Police CU | 9.3 (3 REVIEWS) | 9.0 | 8.67 | 9.0 | 9.33 | 10.0 |
| QT Mutual Bank | 9.3 (3 REVIEWS) | 9.33 | 9.0 | 10.0 | 9.0 | 9.33 |
| Illawarra Credit Union | 9.3 (3 REVIEWS) | 8.33 | 8.67 | 9.67 | 8.67 | 9.67 |
| BCU | 9.3 (3 REVIEWS) | 9.0 | 7.33 | 9.67 | 8.33 | 9.33 |
| MCU (Maleny Credit Union) | 9.0 (1 REVIEW) | 3.0 | 2.0 | 9.0 | 8.0 | 9.0 |
| Mortgage Direct | 9.0 (1 REVIEW) | 8.0 | 7.0 | 10.0 | 9.0 | 9.0 |
| Mortgage House | 9.0 (1 REVIEW) | 8.0 | 9.0 | 9.0 | 7.0 | 9.0 |
| Memberfirst Credit Union | 9.0 (1 REVIEW) | 3.0 | 10.0 | 10.0 | 5.0 | 8.0 |
| Credit Union SA | 9.0 (2 REVIEWS) | 8.0 | 8.0 | 9.0 | 7.0 | 9.5 |
| Coastline Credit Union | 9.0 (1 REVIEW) | 8.0 | 8.0 | 10.0 | 9.0 | 10.0 |
| SGE Credit Union | 9.0 (1 REVIEW) | 10.0 | 6.0 | 10.0 | 4.0 | 6.0 |
| Holiday Coast Credit Union | 9.0 (3 REVIEWS) | 8.33 | 8.0 | 9.33 | 9.67 | 9.0 |
| Community First | 9.0 (2 REVIEWS) | 8.5 | 8.5 | 8.0 | 8.0 | 9.5 |
| Queensland Country Credit Union | 9.0 (2 REVIEWS) | 9.5 | 9.5 | 9.0 | 7.5 | 9.0 |
| QANTAS Staff Credit Union | 9.0 (10 REVIEWS) | 9.0 | 8.4 | 9.0 | 7.0 | 8.7 |
| Newcastle Permanent | 9.0 (31 REVIEWS) | 8.77 | 7.33 | 9.07 | 8.87 | 8.97 |
| Greater Building Society | 8.9 (39 REVIEWS) | 8.28 | 7.95 | 8.85 | 8.69 | 8.85 |
| Police & Nurses Mutual Banking | 8.9 (14 REVIEWS) | 8.79 | 7.92 | 9.29 | 8.5 | 9.14 |
| Victoria Teachers Credit Union | 8.9 (7 REVIEWS) | 8.86 | 7.86 | 9.29 | 8.43 | 9.86 |
| Police Credit Union NSW ACT | 8.8 (5 REVIEWS) | 7.6 | 7.8 | 9.0 | 7.4 | 9.2 |
| ME Bank | 8.7 (89 REVIEWS) | 7.93 | 7.45 | 8.82 | 7.26 | 8.82 |
| CUA | 8.6 (69 REVIEWS) | 8.14 | 7.88 | 8.75 | 7.84 | 8.71 |
| Industries Mutual Credit Union | 8.5 (2 REVIEWS) | 6.5 | 6.0 | 8.5 | 7.0 | 8.0 |
| MyState | 8.5 (17 REVIEWS) | 7.47 | 6.88 | 8.82 | 8.47 | 8.41 |
| Community CPS | 8.5 (17 REVIEWS) | 7.71 | 6.94 | 8.88 | 8.44 | 8.53 |
| Heritage Bank | 8.4 (33 REVIEWS) | 8.31 | 7.47 | 8.31 | 8.15 | 8.53 |
| Police Credit Vic | 8.4 (8 REVIEWS) | 7.38 | 6.13 | 8.25 | 6.5 | 8.5 |
| Encompass Credit Union | 8.3 (3 REVIEWS) | 7.0 | 6.33 | 9.0 | 6.0 | 8.67 |
| South West Slopes Credit Union | 8.3 (3 REVIEWS) | 6.67 | 6.67 | 8.67 | 9.33 | 8.0 |
| Gateway CU | 8.3 (3 REVIEWS) | 8.0 | 8.67 | 9.0 | 6.5 | 9.0 |
| Bendigo Bank | 8.2 (91 REVIEWS) | 7.27 | 7.17 | 8.38 | 8.27 | 8.42 |
| IMB | 8.1 (12 REVIEWS) | 7.17 | 6.5 | 7.75 | 7.82 | 8.08 |
| Peoples Choice Credit Union | 8.1 (28 REVIEWS) | 7.39 | 6.64 | 8.5 | 8.18 | 7.82 |
| First Option Credit Union | 8.0 (1 REVIEW) | 8.0 | 8.0 | 10.0 | 4.0 | 10.0 |
| Bankstown City Credit Union | 8.0 (2 REVIEWS) | 7.5 | 9.0 | 10.0 | 4.0 | 8.5 |
| Tartan Credit Union | 8.0 (1 REVIEW) | 10.0 | 6.0 | 8.0 | 3.0 | 10.0 |
| First Choice Credit Union | 8.0 (1 REVIEW) | 9.0 | 8.0 | 8.0 | 5.0 | 8.0 |
| Maritime, Mining & Power Credit Union | 8.0 (1 REVIEW) | 8.0 | 7.0 | 9.0 | 8.0 | 9.0 |
| Big Sky | 8.0 (2 REVIEWS) | 6.5 | 5.5 | 9.5 | 9.5 | 9.0 |
| wide bay | 7.8 (12 REVIEWS) | 5.67 | 5.91 | 8.08 | 6.5 | 7.83 |
| Adelaide Bank | 7.5 (35 REVIEWS) | 6.77 | 6.33 | 7.38 | 6.6 | 7.44 |
| ING DIRECT | 7.5 (94 REVIEWS) | 7.57 | 6.64 | 7.45 | 6.49 | 7.38 |
| Homestar | 7.5 (13 REVIEWS) | 7.85 | 6.46 | 8.69 | 6.92 | 7.08 |
| Virgin Money | 7.3 (3 REVIEWS) | 8.67 | 7.33 | 7.0 | 6.0 | 8.0 |
| Bank of Queensland | 7.3 (53 REVIEWS) | 6.62 | 6.31 | 7.64 | 8.27 | 7.6 |
| Suncorp | 7.2 (116 REVIEWS) | 6.58 | 6.45 | 7.25 | 6.99 | 6.99 |
| MyRate.com.au | 7.2 (16 REVIEWS) | 7.13 | 7.44 | 7.25 | 7.2 | 6.88 |
| BankSA | 7.0 (35 REVIEWS) | 6.59 | 6.0 | 6.63 | 7.66 | 6.74 |
| Horizon Credit Union | 7.0 (1 REVIEW) | 2.0 | 7.0 | 9.0 | 10.0 | 10.0 |
| loans.com.au | 7.0 (4 REVIEWS) | 7.75 | 7.75 | 6.75 | 6.5 | 5.75 |
| Homeloans Ltd | 7.0 (1 REVIEW) | 7.0 | 6.0 | 7.0 | 1.0 | 6.0 |
| State Custodians | 7.0 (3 REVIEWS) | 7.0 | 6.67 | 7.67 | 7.33 | 6.67 |
| one direct | 7.0 (1 REVIEW) | 9.0 | 8.0 | 7.0 | 2.0 | 6.0 |
| Bankwest | 7.0 (170 REVIEWS) | 7.09 | 6.24 | 6.86 | 7.16 | 6.64 |
| St George | 7.0 (212 REVIEWS) | 6.49 | 6.4 | 7.2 | 7.61 | 6.98 |
| ADCU Australian Defence Credit Union | 6.9 (7 REVIEWS) | 6.86 | 6.14 | 6.29 | 5.86 | 7.14 |
| AWA Credit Union | 6.8 (4 REVIEWS) | 6.0 | 7.75 | 7.5 | 6.25 | 6.25 |
| ANZ | 6.7 (534 REVIEWS) | 6.41 | 6.19 | 6.63 | 7.55 | 6.55 |
| Railways Credit Union | 6.7 (3 REVIEWS) | 6.67 | 3.33 | 7.33 | 4.67 | 5.33 |
| Colonial | 6.7 (3 REVIEWS) | 7.33 | 7.0 | 6.0 | 6.33 | 7.33 |
| bankmecu | 6.6 (13 REVIEWS) | 7.08 | 5.77 | 6.38 | 5.38 | 6.42 |
| NAB | 6.5 (378 REVIEWS) | 6.54 | 6.13 | 6.2 | 7.2 | 6.38 |
| Alliance One Credit Union | 6.5 (2 REVIEWS) | 5.5 | 4.0 | 6.5 | 6.5 | 7.0 |
| Bank of Cyprus Australia | 6.5 (2 REVIEWS) | 8.0 | 5.0 | 8.5 | 7.0 | 6.5 |
| Aussie | 6.5 (26 REVIEWS) | 6.31 | 6.04 | 6.62 | 7.0 | 6.42 |
| Westpac | 6.3 (452 REVIEWS) | 5.71 | 6.03 | 6.52 | 7.53 | 6.22 |
| Commonwealth Bank | 6.3 (760 REVIEWS) | 5.8 | 5.84 | 6.45 | 7.77 | 6.19 |
| Bank of Melbourne | 6.2 (5 REVIEWS) | 5.6 | 5.4 | 6.8 | 5.8 | 6.4 |
| AMP | 6.1 (28 REVIEWS) | 6.54 | 6.3 | 5.7 | 5.54 | 5.25 |
| ABN AMRO | 6.0 (1 REVIEW) | 5.0 | 4.0 | 2.0 | 7.0 | 6.0 |
| Ratebusters | 6.0 (3 REVIEWS) | 6.67 | 6.0 | 6.33 | 5.67 | 5.33 |
| Keystart | 6.0 (2 REVIEWS) | 2.0 | 5.0 | 6.5 | 9.0 | 5.0 |
| B&E Ltd | 5.7 (3 REVIEWS) | 5.33 | 6.0 | 6.33 | 6.33 | 6.0 |
| Resi | 5.7 (3 REVIEWS) | 6.33 | 6.33 | 5.33 | 4.33 | 6.0 |
| HSBC | 5.6 (21 REVIEWS) | 5.19 | 5.29 | 5.67 | 5.67 | 5.95 |
| AAA Financial | 5.5 (2 REVIEWS) | 5.0 | 6.5 | 3.5 | 5.5 | 5.0 |
| BMC | 5.0 (1 REVIEW) | 5.0 | 4.0 | 5.0 | 7.0 | 6.0 |
| Community Alliance Credit Union | 5.0 (1 REVIEW) | 5.0 | 5.0 | 5.0 | 8.0 | 5.0 |
| Maxis Loans | 5.0 (2 REVIEWS) | 4.0 | 5.5 | 4.5 | 4.5 | 5.0 |
| FirstMac | 5.0 (4 REVIEWS) | 5.5 | 5.5 | 3.75 | 2.5 | 5.0 |
| HomeSide | 5.0 (23 REVIEWS) | 5.59 | 5.0 | 3.96 | 4.05 | 4.78 |
| Macquarie | 4.7 (11 REVIEWS) | 4.91 | 3.82 | 5.18 | 3.64 | 5.7 |
| RAMS | 4.1 (29 REVIEWS) | 4.79 | 4.28 | 3.78 | 4.43 | 3.76 |
| LoanAustralia | 4.0 (1 REVIEW) | 6.0 | 5.0 | 2.0 | 7.0 | 1.0 |
| Challenger | 4.0 (1 REVIEW) | 3.0 | 1.0 | 5.0 | 3.0 | 4.0 |
| The Rock Building Society | 4.0 (3 REVIEWS) | 4.0 | 2.5 | 4.0 | 2.0 | 3.33 |
| Citibank | 4.0 (27 REVIEWS) | 4.41 | 4.38 | 4.31 | 3.15 | 4.48 |
| UBank | 3.9 (11 REVIEWS) | 8.27 | 3.91 | 2.45 | 3.0 | 3.4 |
| World Home Loans | 3.5 (4 REVIEWS) | 4.75 | 4.25 | 3.0 | 5.0 | 2.75 |
| National Mortgage Company | 3.0 (2 REVIEWS) | 4.0 | 4.5 | 7.5 | 4.0 | 3.5 |
| Hemisphere Financial Solutions | 3.0 (1 REVIEW) | 4.0 | 1.0 | 1.0 | 1.0 | 4.0 |
| Fox Symes | 2.0 (1 REVIEW) | 1.0 | 0.0 | 3.0 | 0.0 | 5.0 |
| Comminsure | 2.0 (2 REVIEWS) | 3.0 | 2.0 | 2.0 | 1.0 | 2.0 |
| Mortgage Ezy | 1.5 (2 REVIEWS) | 3.5 | 6.0 | 0.5 | 1.5 | 0.0 |
| Liberty | 1.0 (1 REVIEW) | 1.0 | 1.0 | 1.0 | 1.0 | 2.0 |
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