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.
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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.
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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.
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Winners who took out multiple categories included household names like NAB, Qantas Money and TAL, as well as new disruptors like EasyStreet.
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Frank Restuccia, CEO of Finder, said these are the leading products and services that help consumers save time and money.
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"We encourage Aussies to stack their current financial products against these award winners to do a sense-check of their financial health.
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"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.
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"The winners and finalists for the Finder Awards are now synonymous with the products that are the cream of the crop.
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Restuccia said Finder's consumer research backs up the need for Australians to be informed about the best deals.
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"Sadly, many Australians struggle to manage their personal finances.
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"Many are living pay to pay and feeling overwhelmed by debt and their bank account.
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"It's never been more important to save money on the things you need anyway."
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This is backed up by some surprising statistics.
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As of March 2025, a worrying 18% have not a dollar in cash savings, while 44% are living pay to pay.
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Nearly 3 in 4 Australians (71%) feel stressed about their current financial situation, new Finder research reveals.
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"Some of the challenges everyday Australians face include sky-high interest rates and increasing insurance premiums. But when we know better, we do better.
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"The Finder Awards celebrates the providers and brands who are driving market-leading value for their customers," Restuccia said.
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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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