Switch to save: Australia’s best financial products revealed
Finder is helping overstretched Aussies take control of their finances with the announcement of the Finder Awards winners for 2025.
Consumers who switch just 3 of their financial products to the best on the market as judged by Finder – including credit cards, home loans and savings accounts – could save a sizable $4,125 a year, greatly improving their financial position.
Products and services across a range of industries including banking, insurance, property, crypto and travel were all put under the microscope during the up to 12-month assessment period.
Winners who took out multiple categories included household names like NAB, Qantas Money and TAL, as well as new disruptors like EasyStreet.
Frank Restuccia, CEO of Finder, said these are the leading products and services that help consumers save time and money.
"We encourage Aussies to stack their current financial products against these award winners to do a sense-check of their financial health.
"We started the Finder Awards in 2016 in an effort to recognise the people, products and platforms that are changing the market for the better.
"The winners and finalists for the Finder Awards are now synonymous with the products that are the cream of the crop.
Restuccia said Finder's consumer research backs up the need for Australians to be informed about the best deals.
"Sadly, many Australians struggle to manage their personal finances.
"Many are living pay to pay and feeling overwhelmed by debt and their bank account.
"It's never been more important to save money on the things you need anyway."
This is backed up by some surprising statistics.
As of March 2025, a worrying 18% have not a dollar in cash savings, while 44% are living pay to pay.
Nearly 3 in 4 Australians (71%) feel stressed about their current financial situation, new Finder research reveals.
"Some of the challenges everyday Australians face include sky-high interest rates and increasing insurance premiums. But when we know better, we do better.
"The Finder Awards celebrates the providers and brands who are driving market-leading value for their customers," Restuccia said.
For a full list of the 50+ category winners visit: www.finder.com.au/finderawards
| Category | Finder Award Winner | Average rate on the market | Potential Savings over 1 year |
|---|---|---|---|
| Home Loan (Owner Occupier Variable) | Tiimely Home Own Variable Rate Home Loan Current rate: 5.74% | 6% | $2,880 in the first year (Based on monthly repayments on the average loan size of 666,000 and 30 year loan) |
| Credit Card (Balance Transfer) | St.George Vertigo Credit Card Current offer: 0% on balance transfers for 24 months, then 13.99% (1% BT fee, $55 annual fee) | 16.46% Average BT period for product range: 11.9 months | $1,098 in the first year (Based on average balance transfer sought by Finder users: $10,000) |
| Savings Account | Ubank Save Account Current rate: 5.25% | 4.85% | $147 in the first year (Based on a $50k balance) |
| Total savings: | $4,125 in the first year | ||
| Sources: Finder analysis, Finder Awards 2025 |  |
Best Home Loans 2025
| Category | Winner |
|---|---|
| Home Loan Provider of the Year | UBank |
| Owner Occupier Variable Home Loan | Tiimely |
| Fixed Home Loan Lender - Owner Occupier | Greater Bank |
| Home Loan Lender – Large Bank Award | Bendigo Bank |
| Fixed Home Loan Lender for Investors | Qantas Money |
| Owner Occupier Fixed Home Loan - 1 year | Qantas Money |
| First Home Buyer Home Loan | Tiimely |
| Refinance Variable Home Loan - Large Bank | Bendigo Bank |
| Refinance Variable Home Loan | Tiimely |
| Investor P&I Variable Home Loan | Easy Street |
| Investor P&I 1 Year Fixed Home Loan | Qantas Money |
| Investor IO Variable Home Loan | Queensland Country Bank |
| Investor Fixed IO Home Loan - 1 year | Qantas Money |
| Customer-Owned Home Loan Lender | Easy Street |
| Value Home Loan | Unloan |
|
Savings Accounts
| Category | Winner |
|---|---|
| Provider of the Year - Savings and Deposits | ING |
| Savings Account | UBank |
| Most Loved Savings Account Provider | ING |
| Most Loved Personal Loan Provider | ING |
| Kids Savings Account | Great Southern Bank |
| No Conditions Savings Account | Australian Unity |
| Term Deposit (12 Months) | Judo Bank |
| Transaction Account | Macquarie Bank |
| Global Debit Card | HSBC |
| Most Recommended Savings Account | ING |
| Best Savings Account for Legendary Service | Bendigo |
|
Insurance
| Category | Winner |
|---|---|
| Insurer of the Year - Car Insurance | Budget Direct |
| Comprehensive Home Insurance | Australia Post |
| Value Home Insurance | AAMI |
| Insurer of the Year - Home Insurance | AAMI |
| Income Protection | TAL |
| Life Insurance | TAL |
| Comprehensive Pet Insurance | Fetch Pet |
| Value Car Insurance | ALDI |
| Features Car Insurance | Coles |
| Low Cost Car Insurance | Bingle |
| Value Pet Insurance | Budget Direct |
|
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