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How we picked these
What different scores mean
9+
Excellent
These fixed rate 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.
What is Finder Score?
Finder Score is an easy, data-driven way to judge home loans at a glance. Our insights team compares more than 7,000 home loans across 120+ lenders to give each product a score out of 10 comparative to other products of its type.
This means we compare home loan products against others of its type. For example, variable rate home loans against variable rate home loans, and investor home loans against investor home loans. In total, there are 12 different product groupings.
We filter the loans in our database for each category so that we're only looking at loans that work for the borrower type. The final Finder Score takes into account the home loan's interest rate, its major fees and the presence of useful features like offset accounts.
The higher the score, the lower the cost compared to other products of its type.
What the Finder Score mean for home loans
- 9+ Excellent - These are the home loans which offer the lowest costs coupled with plenty of features, giving the best overall value.
- 7+ Great - These home loans may have slightly higher interest rates, maybe a fee or two, or fewer features, but overall, a competitive offering.
- 5+ Satisfactory - Usually these home loans would offer above average rates and may still include some competitive features, but they're not the best value for the overall cost.
- Less than 5 - Basic - These home loans have higher costs and/or fewer features than other home loans on the market.