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AussieBanks

Best Australian home loans — 2026

Independent reviews of Australian banking products. Editorial Top-10 of Australian variable home loan products by Norg Reviews. Methodology-weighted across comparison rate, features, fees, app quality, customer service and security.

Methodology: AussieBanks Review — Home Loans Methodology · v1.0.0 · last updated

  1. 1

    Athena Variable Home Loan

    Best for: Best for refinancers who want best price + no surprises

    Sharpest variable rate among non-bank lenders with the strongest customer-side fairness mechanic: automatic rate match.

    • $0/mo fee
    • AFSL 458732
    • 6.07% comparison rate
    • 80% max LVR
    • No fees · auto rate-match
    4.9
  2. 2

    Macquarie Basic Home Loan

    Best for: Best for refinancers who value digital experience

    Big-bank security with a near-non-bank price. The Macquarie app is materially better than the Big Four.

    • $0/mo fee
    • AFSL 237502
    • 6.16% comparison rate
    • 80% max LVR
    • $0 monthly fee
    4.7
  3. 3

    ubank Home Loan

    Best for: Best for digital-first refinancers wanting Big-Four backing

    NAB-backed digital with a free offset and sharp rate — neobank pricing with major-bank deposit protection.

    • $0/mo fee
    • AFSL 230686
    • 6.21% comparison rate
    • 80% max LVR
    • Free offset
    4.6
  4. 4

    ING Mortgage Simplifier

    Best for: Best for principal-and-interest owner occupiers

    Sharp rate for owner-occupier P&I borrowers with no offset complexity required.

    • $0/mo fee
    • AFSL 229823
    • 6.27% comparison rate
    • 80% max LVR
    • No monthly fee
    4.5
  5. 5

    Loans.com.au Smart Home Loan

    Best for: Best for higher-LVR refinancers (up to 90%)

    Non-bank lender with higher LVR ceiling than most digital competitors — useful for higher-LVR refinancers.

    • $0/mo fee
    • AFSL 290600
    • 6.32% comparison rate
    • 90% max LVR
    • Firstmac-funded
    4.4
  6. 6

    ANZ Standard Variable Home Loan

    Best for: Best for existing ANZ customers

    Big-Four breadth and branch access at a higher headline rate — package discounts often bring it competitive.

    • $10/mo fee
    • AFSL 234527
    • 6.48% comparison rate
    • 95% max LVR
    • Full branch network
    4.3
  7. 7

    CommBank Wealth Package Home Loan

    Best for: Best for existing CommBank multi-product customers

    CommBank distribution + bundled cross-sell. Pricing requires the package to be meaningful.

    • $32/mo fee
    • AFSL 234945
    • 6.54% comparison rate
    • 95% max LVR
    • Offset + bundle
    4.2
  8. 8

    Bankwest Easy Home Loan

    Best for: Best for borrowers preferring a simpler product structure

    CBA backing with simpler product line. Worth comparing against parent CBA offerings.

    • $0/mo fee
    • AFSL 236872
    • 6.59% comparison rate
    • 90% max LVR
    • $0 monthly fee
    4.0
  9. 9

    Westpac Premier Advantage Home Loan

    Best for: Best for borrowers with established Westpac relationships

    Big-Four breadth with a mature broker channel. Package fee structure penalises low-offset users.

    • $33/mo fee
    • AFSL 233714
    • 6.64% comparison rate
    • 95% max LVR
    • Package fee $33/mo
    3.9
  10. 10

    NAB Tailored Home Loan

    Best for: Best for existing NAB customers

    Big-Four reach but headline rate lagging peers. Package discount partially closes the gap.

    • $8/mo fee
    • AFSL 230686
    • 6.69% comparison rate
    • 95% max LVR
    • Choice Package available
    3.8

How we ranked these

Scores reproducible from public methodology + sourced facts. Editorial independent. Affiliate revenue does not influence rankings. Reviews without genuine cons are rejected at editorial QA.