These home loans offer low costs, coupled with a host of features, giving the best overall value.
7+
Great
These home loans may have slightly higher interest rates or fewer features but overall, a competitive offering.
5+
Standard
Usually the home loans would offer above average rates. They may still include some competitive features.
0+
Basic
Higher costs and/or fewer features.
Key takeaways
Aussie is a broker and a lender, with an extensive network of mortgage brokers across the country.
Aussie brokers can help you compare a range of loans from lenders in its panel plus its own range of loans.
After being owned by the Commonwealth Bank of Australia, Aussie completed a merger with fellow broker group Lendi in 2021, forming the Lendi Group.
You need at least a 20% deposit to get many Aussie home loans, but it does have options for borrowers with deposits as low as 5%.
Compare Aussie home loans for December 2025
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Aussie home loan features
Here are the key features and details you need to know about Aussie's mortgage products.
Feature
Details
Minimum deposit
Many Aussie loans have 80% maximum LVRs. This means you can borrow up to 80%. But there are loans for borrowers with low deposits (that is, deposits below 20%).
Offset account?
Some of Aussie's variable rate loans come with offset accounts.
The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.
Age. You must be over 18 years of age.
Residency. You should be a resident of Australia.
Employment. You should have a regular source of income.
Documents required
When you apply for a mortgage with Aussie you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:
📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.
📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.
📄 Proof of income documents. Recent payslips can establish your income.
📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).
Mortgage brokers. Still confused? Get free, expert guidance from a qualified mortgage broker.
Lenders like Aussie
There aren't many lenders like Aussie, being both a network of brokers and a lender – but here is a list of competitive lenders of various types to help you compare.
Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
Homestar. A 100% online lender, Homestar has been providing mortgages to Australian borrowers since 2004.
Loans.com.au. A Brisbane-based online lender, Loans.com.au is backed by Firstmac, Australia's largest non-bank lender.
Macquarie. Macquarie is one of Australia's largest banks outside the Big 4.
Bank of Queensland. Another of Australia's larger lenders, with a wide selection of mortgages.
ING. This online bank is part of the global, Dutch-based financial group of the same name.
More home loan questions
To make sure you find the right Aussie loan, you need a clear idea of what you're looking for in a mortgage. These simple questions can help:
Do you need expert help getting a loan? Because Aussie is a broker network, its brokers specialise in helping confused borrowers get a suitable home loan. This is useful if you are not sure what you're doing or have a complicated borrowing situation.
What do you need the loan for? If you're buying a home to live in, you need an owner-occupier loan. Property investors need an investment loan rate. Aussie has both.
Fixed or variable? Do you want the flexibility of a variable rate loan that could rise or fall at any time? Or are you happy to lock in a fixed rate for a certain period, so you can forget about rate changes altogether?
What features do you need? You need to decide whether you need features like a 100% offset account, the ability to make extra repayments and the option to split your rate.
Home loan pre-approval is an optional step in the application process that some lenders offer. Pre-approval means a lender has examined your savings, income and spending habits, and has a rough idea of how much it could lend you. It's not the same as full loan approval and it's no guarantee that the lender will ultimately approve a full application. But it does allow borrowers to start looking for a home with more confidence and a clearer idea of their borrowing power.
Pre-approval is not something every lender offers, but many do.
Most Australian borrowers bank with one of the Big 4 banks (CommBank, ANZ, Westpac and NAB). You might have some concerns about getting a loan from a smaller lender you've never heard of, but there's no reason to worry just because you've never heard of a lender before.
In Australia, banks and lenders are regulated by the Australian Prudential Regulation Authority (APRA) or the Australian Securities and Investments Commission (ASIC) and must comply with the National Consumer Credit Protection Act.
Aussie is entirely owned by the Commonwealth Bank, Australia's largest bank.
Deciding between a fixed or variable rate depends on what you want from the loan. A variable rate loan can change at any time, either up or down. A variable rate usually offers more flexibility in how fast you can repay the loan and the cost of refinancing.
A fixed rate loan offers total certainty about your rate, for the fixed period. This means it won't rise, costing you more. But if your lender starts lowering rates, you won't benefit either. Refinancing a fixed rate loan means breaking the loan, because you've agreed to a specific rate. This means you may have to pay a fixed rate break fee.
Mortgage brokers are home loan professionals who can help you find a suitable loan. A broker typically charges you no fee, because they receive a commission from your lender. Brokers are great if you are short on time, or find the whole process of researching and applying for a home loan confusing. But you can definitely do it yourself and find a good loan. You may even find a better deal. That's because brokers don't compare loans from every lender in the market. They have access to a panel of loans and often don't have smaller online lenders in their panel.
Sources
What is Finder Score?
The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.
Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University.
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I am looking for business loan around $ 275000 for dominos pizza franchise. I had 170000$ ready in my bank account for margin money. Store selection is completed.
can you guide me the contacts for the business loan in sydney?
Regards,
Shivang
Finder
MarcApril 7, 2014Finder
Hi Shivang,
thanks for the question.
Unfortunately we don’t offer a comprehensive business loan comparison at this current time. I’d recommend carrying out your own comparison of business loans on the internet and then contacting a lender you’re interested in to find out more. I’m more than happy to help give a general comparison of any specific loans you find promising.
Think you need a 20% deposit to buy a home? Think again. We break down no deposit home loans: how they work, who offers them, and what to watch out for.
Home loan cashback deals can help you refinance to a cheaper interest rate and get a lump sum cash payment. Compare the latest deals and check your eligibility today.
Construction loan comparison is as simple as finding out how much you can borrow, then reviewing some of the best construction loans on the market to find the right fit.
What is an offset account? It can save you thousands in interest and help you own your home sooner.
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I am looking for business loan around $ 275000 for dominos pizza franchise. I had 170000$ ready in my bank account for margin money. Store selection is completed.
can you guide me the contacts for the business loan in sydney?
Regards,
Shivang
Hi Shivang,
thanks for the question.
Unfortunately we don’t offer a comprehensive business loan comparison at this current time. I’d recommend carrying out your own comparison of business loans on the internet and then contacting a lender you’re interested in to find out more. I’m more than happy to help give a general comparison of any specific loans you find promising.
Sorry I couldn’t be of more help,
Marc.