Non-bank Lenders in Australia

Non-bank lenders are privately owned financial institutions and an excellent alternative to traditional banks. They can offer lower interest rates and better customer service, and can help higher-risk clients who were rejected by other credit organisations. They are also self-employed friendly unlike the major banks. Below is a list of non-bank lenders in Australia.

  • Athena Home Loans is a direct mortgage provider headquartered in Sydney. It offers multi award winning loans with low rates for buyers, refinancers and investors.
  • Australian First Mortgage (AFM) merged with National Mortgage Company (NMC) in 2015.
  • Balmain NB Commercial Mortgages Ltd is the largest source of commercial mortgage finance outside the major Australian banks. It has offices in Sydney, Gosford, Wetherill Park, Melbourne, Bendigo, Brisbane, Southport and Canberra City.
  • Better Mortgage Management (BMM), located in Spring Hill, QLD, is an innovative non-bank lender and a mortgage management company offering the possible home loan options suited to retail customers in the following categories: PAYG applicants, expats, self employed and first home buyers whose needs may not be met by the majority of lenders.
  • Bluestone, headquartered in Sydney, manages over $11 billion in home loans (2023). It is a financial services company providing specialist home loans for those who fall outside standard lending criteria.
  • Brighten Home Loans is an Australian full-service non-bank lender offering a suite of full doc, alt doc and construction loan solutions.
  • Click Loans, backed by some of Australia's largest technological and financial institutions, is a small business providing online home loan services.
  • Columbus Capital Pty Ltd (ColCap) is a privately owned non-bank lender in Australia. With about 300 employees, it has a loan portfolio of over $12 billion and residential mortgage backed securities (RMBS) of over $24 billion. ColCap’s brands include Origin MMS, Homestar Finance, Granite Home Loans, Austrata Finance and Molo.
  • Emoney Pty Ltd is the largest and one of the best privately owned home loan lenders in Australia. It also offers car and personal loans, commercial loans, self-managed super fund (SMSF) loans as well as insurance options. Emoney is backed by Australia’s best banks and lenders, and provides the best solutions for all home loan types.
  • Firstmac Limited, based in the Brisbane, is one of the largest non-bank lenders in Australia, with more than 40 years of experience in home and investment loans. Firstmac currently manages approximately $17 billion in mortgages and the third largest lender in Queensland and the 12th largest lender in Australia. The company has the highest possible ranking for loan servicing from Standard & Poor’s.
  • Fox Symes is Australia’s largest provider of debt solutions to individuals. It offers debt consolidation, home loan refinance, personal insolvency agreement, bankruptcy assistance and other services. Fox Symes is a subsidiary of FSA Group Ltd, a publicly-traded company listed on ASX (Australian Securities Exchange).
  • Freedom Lend, based in Melbourne, Victoria, is a digital lender providing award winning non-bank home loan products and other lending solutions.
  • Homeloans.com.au Pty Ltd, based in Sydney, is a non-bank lender specializing in home loans for all walks of life. The company operates as a subsidiary of Resimac Group Ltd and currently has over $16 billion of current lending in Australia and New Zealand.

  • Homestar Finance is an award-winning mortgage provider offering competitive and customer-focused mortgage services with great rates. The company operates as a wholly owned subsidiary of Columbus Capital Pty Ltd (ColCap).

  • Iden Group, a Gold Coast non-bank lender, merged with Queensland-based mortgage manager Future Financial in 2016.

  • La Trobe Financial Services Pty Ltd, established in 1952, is one of the leading credit asset managers in Australia. In 2020-2023, it was named Non-Bank Lender of the Year by Money magazine.

  • Liberty Financial Pty Ltd is a leading lender offering free-thinking home loans, personal and car loans, business and commercial property loans, and SMSF loan solutions.

  • Loans.com.au, launched in 2011, is one of the first online lenders in Australia. Today, it is one of the largest lenders with loans under management of over $6 billion. It offers a range of award-winning low cost home and car loans with fixed rate and variable rate options.

  • MA Money (formerly known as MKM Capital) is a non-bank mortgage lender founded in 2004. It focuses on residential mortgages for those who do not meet the lending criteria of the banks or other specialist lenders. MKM Capital was rebranded in 2022 after it was acquired by MA Financial Group. The company can help people rejected by the banks.

  • Mortgage Ezy, headquartered in Bundall, Queensland, is an innovative national non-bank lender. As a fintech, the company continues to disrupt the market. Today, it is one of the most recognizable non-bank mortgage managers in the country.

  • Mortgage House is one of the leading and most awarded non-bank lenders in Australia. The company’s innovative online services will save you time and effort.
  • Pepper Money, headquartered in Sydney, is an alternative to traditional lenders. It offers consumer and commercial loans and residential mortgages. The company was founded in 2000 and today it is one of the largest and most trusted non-bank lenders in Australia and New Zealand.
  • Reduce Home Loans is Mortgage Ezy’s exclusive agent. It provides loans at the lowest possible price both in terms of fees and interest. The company offers Australia’s cheapest home loans according to Money magazine.
  • RedZed are experts in self-employed lending.
  • Resimac Group, established in 1985, is a leading alternative lender and multi-channel distribution business in Australia and New Zealand. It offers competitive rates that rival major banks and specialty lenders. Resimac was recently recognised as Australia’s best non-bank lender.
  • State Custodians is a highly awarded non-bank home loan lender. It operates as a subsidiary of Resimac Group Ltd.
  • Tiimely Pty Ltd (formerly known as Tic:Toc) is an Australian fintech company and online mortgage lender. It was launched in 2017 by Anthony Baum and is headquartered in Adelaide. It is one of few Certified B Corp online home loan companies in Australia. Tiimely has over 40 Canstar awards in 5 years.
  • Victorian Mortgage Group, founded in 1946 and based in Melbourne, is a family owned business. It offers debt consolidation, home and small business loans. VMG lends money to borrowers who may not meet the normal lending requirements.
  • Well Money is an independent online home loan provider with an Aussie based lending experts and incredible support. It is a new kind of online lender providing affordable and super low rate home loans for all Australians. Well Money is the trading name of Flexstar Mortgage Corporation.
  • Yard, founded in 2017 by finance expert Nathan Gooley, is an online-only lender offering low interest online home loans and tailored personal service. The company also helps customers refinance their mortgages. Yard is a trademark of Yard Financial Pty Ltd.