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Finder Home Loans Awards 2024

Our experts reviewed over 3,000 home loan products from across 200+ lenders to select our Finder Home Loans Awards winners for 2024.

The Finder Home Loans Awards 2024 celebrates the best home loan products across 14 different categories. Our experts analysed 12 months' worth of interest rate and fee data to find the best solutions for any borrower type. They looked at more than 3,000 home loans from more than 200 lenders – see who came out on top below.

Home Loan Provider of the Year

Provider of the Year - Home Loans

Easy Street

To determine the winner of Finder's Home Loan Provider of the Year award, we examine the home loans offered by lenders from across the market. That includes big and small banks, credit unions and online lenders. We examine the rates, fees and features of owner-occupier and investor loans to judge how competitive the loans are for each lender. And this year Easy Street won. All its loans offer competitive rates and low fees, putting it ahead of some lenders that won many individual home loan awards.

Home Loan provider of the year Highly commended

Unloan

Unloan

Unloan has consistently provided competitive interest rates over the last 12 months. Although it doesn't offer an offset account, borrowers don't have to worry about any fees.

Tiimely

Tiimely

Tiimely is another online lender which offers consistently low fees and rates. Borrowers also only need a 10% deposit to take out a home loan and it offers an offset account.

Big Four Home Loans Lender of the Year

Big Four Bank Provider of the Year

Westpac

Most Australians already bank with one of the Big Four. They issue the vast majority of home loans in Australia. To determine the winner of our Big Four Home Loans Lender of the Year we looked at the rates, fees and features of the home loans offered by the Commonwealth Bank, Westpac, NAB and ANZ. And Westpac came out on top.

Best Owner Occupier Variable Home Loan

Best Owner Occupier Variable Home Loan
Tiimely

Tiimely's Live in 10% deposit Variable Rate - Principal & Interest with offset home loan won this year's Best Owner Occupier Variable Home Loan Finder Award with its consistently low interest rate, almost zero fees and an offset account. It has been one of the market's lowest variable rates all year, despite rising interest rates.

Finalist Owner Occupier Variable Home Loan Highly commended

Bendigo Bank

Bendigo Bank Live in Express Variable Home Loan - (Owner Occupier, P&I)

Hume Bank

Hume Bank MyBlue Variable Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Best Owner Occupier Fixed Home Loan - 1 year

Best Owner Occupier Fixed Home Loan - 1 year

BCU

Fixed rates have become quite competitive in recent months. And BCU's Fixed Rate Home Loan - 1 Year (Owner Occupier, P&I) has led the pack, with a very competitive rate and low fees. The fact that you can also get the loan with just a 5% deposit is very useful for many borrowers, especially first home buyers.

Finalist Owner Occupier Fixed Home Loan - 1 year Highly commended

Police Credit Union

Police Credit Union Fixed Rate Home Loan - 1 Year LVR 80% (Owner Occupier)

Macquarie Credit Union

Macquarie Credit Union Fixed Rate Home Loan - 1 Year Fixed (Owner Occupier)

Best Owner Occupier Fixed Home Loan - 2 year

Best Owner Occupier Fixed Home Loan - 2 year

Australian Mutual Bank

Australian Mutual Bank's Fixed Home Loan - 2 Year Fixed (Owner Occupier) offers a remarkably low interest rate in the current environment. When you couple this with low fees it's a clear winner this year. And it's also available to borrowers with a 5% deposit, which is always worth calling out.

Finalist Owner Occupier Fixed Home Loan - 2 year Highly commended

Qudos Bank

Qudos Bank Fixed Rate - 2 Year >20% deposit (Owner Occupier, P&I)

Pacific Mortgage Group

Pacific Mortgage Group Fixed Home Loan - 2 Year (Owner Occupier, P&I)

Best Owner Occupier Fixed Home Loan - 3 year

Best Owner Occupier Fixed Home Loan - 3 year

The Capricornian

The Capricornian's Premium Choice Home Loan - Fixed 3 Year LVR ≤ 90% (Owner Occupier) is the winner of Finder's 2024 Best Owner Occupier Fixed Home Loan - 3 year award. The Queensland-based lender's Premium Choice home loan has low fees, a 100% offset account and an interest rate that's been consistently low over the past 12 months.

Finalist Owner Occupier Fixed Home Loan - 3 year Highly commended

Qudos Bank

Qudos Bank Fixed Rate - 3 Year >20% deposit (Owner Occupier, P&I)

Tiimely

Tiimely Live in Loan Fixed Rate Home Loan - 3 Year (Owner Occupier, P&I)

Best First Home Buyer Home Loan

Best First Home Buyer Home Loan

Tiimely

Tiimely's Live in 10% deposit Variable Rate - Principal & Interest with offset wins the coveted Best First Home Buyer Home Loan award for 2024. This loan is a clear winner because it combines one of the market's consistently lowest interest rates with very low fees and an optional 100% offset account. It's especially attractive for first home buyers because it's available with a 10% deposit.

Finalist First Home Buyer Home Loan Highly commended

G&C Mutual Bank

G&C Mutual Bank Momentum Home Loan - LVR >80% Special Offer (Owner Occupier, P&I)

Bendigo Bank

Bendigo Bank Live in Express Variable Home Loan - (Owner Occupier, P&I)

Best Owner Occupier Refinance Variable

Best Owner Occupier Refinance Variable

Tiimely

Tiimely's Live in 10% deposit Variable Rate - Principal & Interest with offset takes out the top spot for the Owner Occupier Home Loan - Refinance Variable for the same reasons it has won several other awards in 2024: a low variable rate, low fees and 100% offset account. It's a loan that's just as useful for refinancers as it is for new borrowers.

Finalist Owner Occupier Refinance Variable Highly commended

Bendigo Bank

Bendigo Bank Live in Express Variable Home Loan - (Owner Occupier, P&I)

Pacific Mortgage Group

Pacific Mortgage Group Standard Variable Home Loan - LVR 80% (Owner Occupier, P&I)

Best Owner Occupier Refinance Fixed

Best Owner Occupier Refinance Fixed

Pacific Mortgage House

Pacific Mortgage Group's Fixed Home Loan - 1 Year (Owner Occupier, P&I) wins Finder's 2024 Home Loan Award in the category of Best Owner Occupier Refinance Fixed. It takes out the award due its low interest rate, low fees and because the loan has a 100% offset account.

Finalist Owner Occupier Refinance Fixed Highly commended

Tiimely

Tiimely Live in Loan Fixed Rate Home Loan - 3 Year (Owner Occupier, P&I)

BCU

BCU Fixed Rate Home Loan - 3 Year (Owner Occupier, P&I)

Best Investor P&I Variable Home Loan

Best Investor P&I Variable Home Loan

Bendigo Bank

Bendigo Bank's Live in Express Variable Home Loan - (Investor, P&I) offers a competitive variable interest rate for property investors, which is not something every lender offers. Fees are low and there's also an offset account, making this loan a useful option for investors who aren't making interest-only payments.

Finalist Investor P&I Variable Home Loan Highly commended

Police Credit Union

Police Credit Union Better Home Loan - Special LVR 80% (Investor, P&I)

Tiimely

Tiimely Invest Loan Variable Rate Home Loan - Principal & Interest (With Offset)

Best Investor IO Variable Home Loan

Best Investor IO Variable Home Loan

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G&C Mutual Bank's Momentum Home Loan - LVR 60 to 80% Special Offer (Investor, IO) is Finder's 2024 winner for Best Investor IO Variable Home Loan category. This loan offers a low interest rate with minimal fees. While interest charges and fees are tax-deductible for investors, it still pays to get a more competitive loan.

Finalist Investor P&I Variable Home Loan Highly commended

Bendigo Bank

Bendigo Bank Live in Express Variable Home Loan - (Investor, IO)

Easy Street

Easy Street Smart Variable Home Loan - (Investor, IO)

Best Investor Fixed IO Home Loan - 1 year

Best Investor Fixed IO Home Loan - 1 year

BCU

BCU's Fixed Rate Home Loan - 1 Year (Investor, IO) is the winner of the 2024 Finder Award for the Best Investor Fixed IO Home Loan - 1 year. BCU wins with a combination of a low fixed interest rate and low loan fees.

Finalist Investor Fixed Home Loan - 1 year Highly commended

Bank Australia

Bank Australia Premium Home Loan Package - 1 Year Fixed (Investor, IO)

Police Credit Union

Police Credit Union Fixed Rate Home and Investment Loan - 1 Year LVR 80% (IO)

Best Investor Fixed IO Home Loan - 2 year

Best Investor Fixed IO Home Loan - 2 year

Greater Bank

Greater Bank's Great Rate Home Loan - 2 Year Fixed (Investor) IO offers investors the opportunity to lock in a low rate for 2 years while paying low fees and making interest-only repayments. That's why it has been crowned as the Best Investor Fixed IO Home Loan - 2 year.

Finalist Investor Fixed Home Loan - 2 year Highly commended

Bank Australia

Bank Australia Basic Home Loan - 2 Year Fixed Rate (Investor, IO)

BCU

BCU Fixed Rate Home Loan - 2 Year (Investor, IO)

Best Investor IO Fixed Home Loan - 3 year

Best Investor IO Fixed Home Loan - 3 year

Greater Bank

Greater Bank's Great Rate Home Loan - 3 Year Fixed (Investor) IO wins the Best Investor IO Fixed Home Loan - 3 year category thanks to its competitive interest rate and low fees. It's also available for borrowers with 5% deposits.

Finalist Investor Fixed Home Loan - 3 year Highly commended

Bank Australia

Bank Australia Premium Home Loan Package - 3 Year Fixed (Investor, IO)

Tiimely

Tiimely Invest Fixed Rate Home Loan - 3 Year Fixed (Interest Only)

About Finder's Awards methodology

Our team of experts reviewed over 3,000 home loan products from across 200+ lenders to select our Finder Home Loans Awards winners for 2024.

We scored all eligible loans using a methodology that evaluates how competitive each loan's interest rate is, how high its fees are and whether the loan has an offset account or not, if it was a variable interest rate loan. For our First Home Buyer Home Loan category we examined variable rate owner-occupier home loans with principal-and-interest repayments.

Full home loan methodology

Why you can trust our awards

expert advice

Expert analysis

Our Home Loan Award Winners are based on 100+ hours of research by our expert authors and insights team.

help

They're comprehensive

We researched hundreds of Australia's most popular home loans from the biggest banks to the smallest online lenders.

independent

They're independent

Some winners may be partners but this never influences our decisions. All selections are based on a clear methodology and must meet editorial standards.

Meet our experts

Richard Whitten

Richard Whitten


Editor for money


Richard Whitten is a money editor at Finder. He has been covering home loans, property and personal finance for the last 6 years.
Saranga Sudarshan awards analyst

Saranga Sudarshan


Insights analyst, Finder Awards


Saranga is responsible for gathering the data that fuels the Finder Awards. He ensures our winners are based on facts, not biases.
Rebecca Pike senior writer

Rebecca Pike


Senior writer, home loans


Rebecca is a senior writer at Finder covering all things home loans. She has been writing about the home loan market in Australia for almost 6 years.

Explore our past award winners:

  1. Home loan methodology

More guides on Finder

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