Our Lender Panel
We are not tied to any bank. We search across major banks, credit unions, and specialist lenders — so you get the right loan for your situation, not just whatever one lender offers.
Going direct to one bank means seeing one rate. We show you options across the whole market.
We are paid the same regardless of which lender you choose — so our advice is always in your interest.
Self-employed? Low deposit? Complex income? Some lenders are built for your situation — we know which ones.
Australia's largest banks — competitive rates, strong serviceability.
One of Australia's big four banks. Competitive variable and fixed rates with a range of offset and redraw features.
Australia's oldest bank with a full suite of home loan products including first home buyer and construction loans.
Part of the Westpac Group with strong offerings for professionals, investors, and first home buyers in NSW.
Consistently rated among Australia's best value lenders. Low rates with offset accounts and no ongoing fees.
Strong mainstream lenders with competitive products across most borrower types.
Premium lender popular with high-income professionals. Excellent offset account and digital banking experience.
Strong regional bank with competitive owner-occupied and investment rates. Good for QLD and NSW borrowers.
Part of the CBA Group. Competitive rates on variable and fixed products, with a strong digital platform.
Non-bank lender with consistently low rates. Strong for refinancers and investors seeking competitive pricing.
For complex situations — self-employed, low doc, bad credit, Islamic finance, and more.
Specialist lender for borrowers with impaired credit, complex income, or non-standard situations. Flexible assessment criteria.
One of Australia's most experienced specialist lenders. Strong for self-employed, retirees, and complex property types.
Flexible lending criteria for self-employed, low deposit, and credit-impaired borrowers. Custom loan solutions.
Specialist non-bank lender with prime and near-prime products. Good for refinancers and self-employed applicants.
Flexible credit assessment for borrowers outside standard criteria. Suitable for those with recent credit events.
Competitive rates with offset accounts. Good for first home buyers and refinancers seeking flexible repayment options.
Sharia-compliant home finance — no riba (interest), genuine Diminishing Musharakah and Ijarah structures.
Australia's leading Islamic home finance provider. Genuine Sharia-compliant Diminishing Musharakah and Ijarah structures reviewed by a Shariah supervisory board.
Learn more about our Islamic Finance services.
Tell us your situation and we'll match you to the right lender from our wide lender panel — free assessment, no obligation, no credit check.
A broker will call you within 24 hours
Your details are safe & never shared
A broker will call you within 24 hours.
Understanding wide lender panel · banks + specialists is essential before committing to a home loan, refinance, or investment property purchase. This guide covers the key considerations Australian borrowers face in 2026, the documents you'll need, and how a specialist mortgage broker shortcuts the process.
Lender decisions hinge on three pillars: income (verified, stable, sufficient), expenses and debts (HEM benchmark + actual commitments), and asset/deposit position (savings, gift, equity). Your documentation tells this story — payslips, tax returns, BAS, bank statements, contracts. Specialist lenders weight these differently from major banks, which is why broker selection matters.
Standard documents: 2 most recent payslips, latest PAYG summary or Notice of Assessment, 3 months bank statements, ID, and proof of deposit. Self-employed applicants additionally need 1–2 years of personal + business tax returns and BAS statements. Investors need rental statements; refinancers need their existing loan statements.
Applying with one bank only, missing 2 years of self-employed history, undeclared overseas income, applying with multiple credit enquiries in 6 months, or applying with high credit card limits. Each of these can downgrade your application unnecessarily. A broker checks for these before submission.
Free 20-minute initial call. We assess your situation, document needs, and target lenders. Strategy and document checklist sent to you within 24 hours. Application lodged within 2–5 days of complete documents. Settlement typically 4–6 weeks. No broker fees — lenders pay our commission upon completion.
Free Sydney mortgage assessment — no obligation, plain English, real answers
