Secondary Providers

Adelaide Bank

Adelaide Bank is one of Australia’s largest building societies and one of the fastest growing and most innovative financial institutions. Since merging with Bendigo Bank in 2007, Adelaide Bank has forged strong partnerships with mortgage originators around Australia. Although they are now approaching what many people consider to be a large bank, they still provide the benefits of working with a small bank by being able to quickly respond to changing market conditions. This allows for greater flexibility in their products and better support services.

AFE

Australian Finance Enterprise (AFE) is a Western Australian owned company offering mortgage management services and mortgage origination. Their team of professional mortgage consultants can guide you through the application process for your low rate, low fee mortgage. AFE also offers other property related and financial services to customers. These include equipment finance, real estate leasing bonds, property investment and insurances.

Aussie

The biggest banks are not always the best choice for home loans. Since its establishment in February 1992, Aussie has grown to become one of Australia’s leading non-bank retail financial service providers with operations spanning across Australia in every capital city and major regional town. Aussie has won the Best Mortgage Broker Award three years in a row as well as the Best Non-Bank Lender Award in 2008, along with the Innovative Product of the Year Award in 2009 for its Loan Cover offering. In 2010, it won an award for its Aussie Classic mortgage product. Take a closer look at the home loan products offered by non-bank lender, Aussie.

Australia First Mortgage

Established in 2003, Australian First Mortgage (AFM) is a wholly Australian-owned business offering competitive residential, commercial and leasing finance to the Australian Market. Owned by 3 individuals with extensive knowledge in finance and home loans, AFM is one of Australia’s leading multi-award winning non-bank mortgage providers.

Beat Home Loans

Non-bank lender Beat Home Loans has been able to shake up the Australian market by offering more targeted loan products that includes a range of just four loans. They’ve been able to accomplish this by waiving the common home loan costs such as application fees and monthly charges.

Bank of Queensland

The Bank of Queensland (BOQ) is one of Australia’s up-and-coming financial institutions with a retail bank offering a network of more than 260 branches across Australia. A dynamic and innovative approach to banking sees around 200 branches operated under a unique owner-manager model which includes a national finance division and the St Andrew’s Insurance group.

BMC Home Loans

Established in 1979, the Better Mortgage Company is one of Australia’s oldest non-bank lenders. BMC is also one of the founding members of the Mortgage Industry Association of Australia. BMC prides itself on being able to structure many options and solutions tailored to the needs of both residential and commercial clients.

Choicelend

Choicelend Home Loans offer simple loan products at affordable rates. They are supported by Australia’s largest mortgage broker group, Choice Aggregation Services and receive funding from one of Australia’s leading wholesale services, Advantedge Financial Services (which is a subsidiary of National Australian Bank).

Collins Securities

Collins Securities has been in the lending game since 1992. Although they source their funding from the same avenues used by the major banks, they have been able to differentiate themselves from other providers by offering more competitive and flexible products due to the fact that they don’t have the same overheads of a major bank. Without a large network of branches or a huge marketing expense, Collins Securities has been able to provide competitive rates and lower fees that ultimately benefit the consumer.

Community CPS

With 46 offices around Australia and more than five hundred employees, Community CPS provides services to over 175,000 members. The credit union is owned by its members and not by shareholders, which means that when you become a member of Community CPS you are essentially becoming one of its owners.

ECU Home Loans

In 1973 a group of Cairns Regional Electricity Board employees had a vision to combine their financial resources in a way that would provide the most benefit to their fellow workmates. It resulted in ECU Home Loans whose main objective is to improve the financial situation of every single customer.

Easy Street

Easy Street has no branches or stores, they offer a suite of products and services that are only available online. This allows them to be fast and flexible at all times whilst still enjoying the backing of Community First Credit Union, the largest credit union in Sydney with more than $700m in assets under management and over 75,000 members.

FCCS Credit Union

Established in Geelong in 1974, FCCS Credit Union was set up by a small group of employees in the Ford Motor Company with the aim of offering financial services to the employees and families of the Geelong Ford company. Today, the FCCS Credit Union is still growing rapidly with thousands of members benefiting from the different types of banking and financial services that the FCCS has to offer.

Home Loans Ltd.
Home Loans Ltd. has over 25 years of experience in residential finance and aims to provide Australians with a refreshing alternative to the major banks for their home loans. It was awarded Australia’s best non-bank lender at the 2011 Australian Lending Awards, as well as the 2010 Mortgage and Finance Association of Australia Excellence Award in their category of lending.

Heritage Bank

Heritage is Australia’s largest building society with a history stretching back to 1875. It is an independent credit union that is owned by its members so it places the needs of its members ahead of the pursuit of profit. While a building society operates differently to a bank, Heritage Bank is still an Authorised Deposit-taking Institution (ADI), thus it is regulated by the Banking Act. Heritage is also proud to offer your savings protection under the Australian Government’s Deposit Guarantee.

Illawarra Home Loans

Since 1989, Illawarra Home Loans has been helping people in Illawarra and beyond with their finances. They understand that it’s a tough market out there, so they responded by designing home loan packages to suit an ever-increasing cost of living and to help Australians reduce their mortgage repayments. Illawarra Home Loans understands that your time is best spent looking for your dream home, so they provide first-class support through knowledgeable mortgage specialists to help you the whole way through – from the initial application, to gathering the paperwork, all the way to settlement.

Keystart Home Loans

Established in 1989 by the West Australian government, Keystart Home Loans is owned by the Department of Housing and aims to assist all Australian families into affordable housing. In 1998, Keystart entered into an alliance with the Country Housing Authority (CHA), an organisation created by the Parliament to replace the Rural Housing Organisation which had been operating since 1972. With the alliance, a broader range of lending options were made available to farmers and rural businesses owners. Keystart has helped over 70,000 families become home owners, which represents over 8.3 billion in funds.
Keystart is a member of the Mortgage and Finance Association of Australia (MFAA)

Newcastle Permanent Building Society

As a mutual building society, Newcastle Permanent Building Society has no shareholders to pay, only members. It therefore reinvests its profits into benefits for its members and the regional communities it operates in. This results in competitive interest rates, lower fees and extensive financial support. With heritage dating back to 1903, it is one of the largest building societies in Australia and a major economic entity in the Hunter Region with over $6.8 billion under management.

Pepper Home Loans

Pepper Home Loans is a boutique provider of home loans offering a range of products and services to suit all Australians, including those with poor credit histories. They lend extensively to the self-employed, casual employees, part-time workers, contract workers and people with irregular savings patterns and specialise in the area of debt consolidation.

Quick Direct Home Loans

QuickDirect is a division of BMC Mortgage Corporation, which was established in 1979 as a specialist mortgage lender. Having helped tens of thousands of home owners and investors over the years, QuickDirect was established to provide its customers with more competitive rates, lower fees and a faster deal. As it provides its services online, its lower running costs and the ability to not have to pay sales commissions translates into being able to provide a better deal for its customers.

Ratebusters Home Loans

Ratebusters Home Loans was established by its parent company, Assured Group, to enable it to further expand its mortgage brokering operation in Australia. It has been specifically set up to help Australian buyers to access home loans online and to make the whole process of borrowing a faster and simpler one. Ratebusters Home Loans has proved to be a success from its inception, as borrowers throughout the country have flocked to the Internet to make sourcing funds to buy a home more convenient, easier and more straightforward than that of more traditional mortgage providers.