Choosing a broker
Best mortgage brokers in Australia: five options compared for 2026
Compare five Australian mortgage broker businesses by service model, lender access and public evidence, with sourced strengths, limitations and checks.

Key checks before you decide
Reviewed by emoney broker team. Updated 4 August 2026. Sources are listed below.
- Treat Emoney's first position as a disclosed publisher profile, not an overall first-place result.
- Verify the individual broker's authorisation, experience and lender accreditations.
- Ask which lenders were considered, excluded or unavailable for your circumstances.
- Compare written fees, remuneration, ownership and service commitments.
- Use reviews as supporting evidence, then test the process in a direct conversation.
In this guide9 sections
Watch out
Our disclosure and comparison method
Emoney Home Loans researched and published this page and is one of the businesses included. Emoney is shown first as the publisher profile, not because it received a hidden weighting or an automatic first-place score. No business paid for inclusion. Facts are drawn from public sources checked on 4 August 2026.
This is a shortlist, not a review of every broker or brokerage in Australia. We included consumer-facing businesses with national reach or remote access and enough current public information to compare service model, scale and lender access. We excluded individual brokers, state-only firms, aggregator-only businesses and award tables based mainly on settlement volume.
We checked seven areas: public identity and authorisation, relevant borrower capability, lender-panel transparency, fees and ownership, customer evidence, application and ongoing service, and source freshness. We did not calculate a numeric score because the public figures are not measured on a common basis and service can vary between individual brokers in the same network.
| Area checked | What we looked for | Why it matters |
|---|---|---|
| Identity | Licence or representative details and a current public business presence | Confirms who is responsible for the credit assistance |
| Capability | Evidence relevant to different borrower situations | A large brand is not proof of experience with your loan |
| Lender access | Panel claims, exclusions and individual accreditation limits | No broker necessarily compares the whole market |
| Commercial model | Fees, lender payments, ownership and related businesses | Shows where incentives or comparison limits may sit |
| Service | Contact model, application support and ongoing review | Helps match the process to the support you want |
Five Australian mortgage broker options at a glance
The table compares public signals, not loan recommendations. Provider figures can change, and a network-wide number does not tell you which lenders an individual broker can use or how that person will manage your application.
Emoney appears first because this is Emoney's publication and readers should be able to scrutinise the publisher before reading its view of competitors. The remaining businesses are presented as distinct service options rather than a numbered league table.
Every claim in the snapshot should be read with its source. Where a figure comes from the business itself, we label it as provider-stated instead of presenting it as an independently audited measure.
| Business | Public service signal | May suit borrowers who want | Verify before choosing |
|---|---|---|---|
| Emoney | 30+ years, phone and digital access, and ongoing review messaging | An established broker team and a continuing loan-review relationship | Your individual broker, available lenders, fees and review commitment |
| Aussie | Large national broker and shopfront network | A recognisable brand with local retail access in many areas | Local broker experience and the lenders available to that broker |
| Loan Market | Large local broker network and a broad provider-stated lender panel | Local choice and access to a sizeable network | Panel claim, individual accreditation and any local service differences |
| Mortgage Choice | Large franchise network with local and remote broker access | A national network and an established written customer process | Broker experience, panel fit and franchise-level service |
| Lendi | Online-first process backed by home-loan specialists | A digital application path and remote support | Who owns the application, lender access and support outside the online flow |
Broker note
Emoney: established team and ongoing review focus
Emoney's public website says the business has helped borrowers for more than 30 years, settled more than $10 billion in loans and assisted more than 80,000 clients. It also displays a 4.8 out of 5 Google rating from 280 reviews. These are Emoney's own published figures and should be checked again before a public release.
The service is available across Australia through phone and digital contact rather than relying on a national shopfront network. Its public proposition covers buying, refinancing and reviewing an existing loan, with an emphasis on keeping the relationship active after settlement.
That model may appeal to a borrower who wants an established team and a future review conversation. It does not prove Emoney is right for every loan. The borrower still needs to confirm the assigned broker's experience, available lender panel, response standard, fees and the practical meaning of ongoing review for their account.
- Public strength: long operating history and a substantial provider-stated client record.
- Public strength: phone and digital service for borrowers around Australia.
- Limitation: the publisher is assessing itself, so the commercial interest is unavoidable and disclosed.
- Check directly: which broker will own the file and what happens after settlement.
Aussie: a large broker and shopfront footprint
Aussie describes a national network of more than 1,000 brokers and more than 220 stores. Its current public pages also promote access to a panel of lenders. The exact store and lender counts differ between some Aussie pages, so readers should treat the broad scale as the useful signal and confirm current figures directly.
The physical network distinguishes Aussie from online-first services and businesses without a comparable retail footprint. A borrower who values an in-person meeting may find that useful, provided a suitable local broker is available.
Network size does not establish the quality or relevant experience of the broker assigned to a particular loan. Ask the local broker which borrower types they regularly handle, which lenders they are personally accredited with, whether they charge a fee and who will provide updates during the application.
- Public strength: extensive broker and retail-store presence.
- Public strength: choice between local contact and digital tools.
- Limitation: service and accreditation can vary between brokers.
- Check directly: the local broker's experience with your income, property and timing.
Loan Market: local network and broad panel claim
Loan Market's Australian website describes a network of more than 700 brokers and currently advertises access to more than 100 lenders. Because panel wording can vary across provider pages and an individual broker may not hold every accreditation, borrowers should ask for the actual lender scope relevant to their file.
The business combines a large network with local broker search. Finder's 2026 customer satisfaction awards named Loan Market its Most Loved Mortgage Broker, based on Finder's own survey method and sample. That award is useful supporting evidence, but it does not measure every broker, every borrower type or comparative loan outcomes.
Loan Market may belong on a shortlist for borrowers who want local choice and a wide provider-stated panel. The deciding evidence should come from the chosen broker: recent experience with the scenario, clear ownership of the application, lender exclusions, fees and a written explanation of the comparison.
- Public strength: a large network and broad lender-panel claim.
- Public strength: a current third-party customer satisfaction award.
- Limitation: provider and award figures do not guarantee an individual experience.
- Check directly: the exact lenders the selected broker can consider for you.
Next step
Want a broker to check this against your situation?
Share the loan goal, timing and a few key details. An emoney broker can then pick up the enquiry with the relevant context.Compare the process with emoneyMortgage Choice: national franchise network and written process
Mortgage Choice says its network includes more than 1,000 brokers, about 750 franchises and access to more than 40 lenders. It is owned by REA Group and provides local broker search as well as remote contact options.
A current customer charter and credit guide gives borrowers a written place to inspect service commitments, remuneration information, privacy handling and the complaint process. That documentation is a useful transparency signal, though the borrower still needs to discuss the parts that apply to the selected franchise and broker.
Mortgage Choice may suit someone who wants a national brand with many local operators. The franchise model also makes broker-level checking important. Confirm who employs or authorises the broker, which panel lenders are relevant, whether the local office adds any fee and how communication is handled if the broker is unavailable.
- Public strength: large national broker and franchise footprint.
- Public strength: current customer charter and credit guide are easy to find.
- Limitation: local experience can vary across a franchise network.
- Check directly: local fees, panel access and application ownership.
Lendi: online-first application path
Lendi Group describes Lendi as an online-first home-loan service with access to more than 25 lenders and more than 200 home-loan specialists. Lendi and Aussie sit within the same corporate group, but their consumer service models remain different enough to compare separately.
The online-first path may suit a borrower who prefers to research, provide information and communicate remotely. Digital convenience should still be separated from comparison breadth. Ask which lenders can actually be assessed, when a specialist becomes involved and whether the same person remains responsible through approval and settlement.
A borrower with complex income, a time-sensitive purchase or a strong preference for face-to-face support should test whether the process provides enough continuity and explanation. The relevant question is not whether online or local is universally better, but whether the service can handle the specific file without leaving key decisions unexplained.
- Public strength: a clearly digital service model with remote specialist support.
- Public strength: provider-stated access to more than 25 lenders.
- Limitation: online convenience does not establish whole-market coverage or broker continuity.
- Check directly: who owns the file and how exceptions or complex questions are handled.
How to choose the best mortgage broker for you
Reduce the shortlist to two brokers whose service models fit your needs, then ask both the same questions. MoneySmart recommends checking the broker's licence details, experience, lender panel, unavailable lenders, fees, remuneration and explanation of why a proposed option is in your best interests.
Use a real scenario rather than asking which business is best in the abstract. Explain the loan goal, timing, income type, deposit or equity position and the support you expect. A useful first conversation should reveal whether the broker understands the file, what evidence is needed and where the comparison will be limited.
Do not choose from star ratings alone. Read recent detailed reviews, including negative ones, for patterns in communication, problem handling and post-settlement service. Then compare the broker's written scope, fees and next steps before providing a full application or consenting to a credit enquiry.
| Ask both brokers | A useful answer should include |
|---|---|
| Who authorises you? | Licence or credit representative details that can be checked |
| Which lenders can you compare? | Relevant panel lenders, exclusions and personal accreditations |
| What will I pay? | Direct fees, lender-paid remuneration and when each amount applies |
| Why do you handle loans like mine? | Recent, relevant experience without disclosing another client's information |
| Who owns the process? | Named contact, update rhythm, escalation route and settlement support |
| What happens later? | A concrete review or follow-up process, not a vague promise |
Watch out
What this comparison cannot tell you
A national brand comparison cannot identify the best individual broker for a borrower it has never met. Public panel sizes, network counts and review totals are collected under different methods. They also change over time and may not reflect the accreditations or workload of the person handling a new enquiry.
This page does not compare interest rates because a rate without the loan amount, term, fees, features, eligibility and date is not a fair like-for-like measure. It also does not assess private application outcomes, complaint files or every broker business in the market.
The source claims, licence details, disclosures and links were rechecked on 4 August 2026. This page is scheduled for review at least quarterly and whenever a named business changes ownership, public panel claims, service model or material customer evidence.
- Shortlist scope: five consumer-facing businesses with national reach or remote access.
- Evidence limit: public sources only, with provider claims clearly identified.
- No paid inclusion and no numeric or universal winner.
- Next scheduled evidence review: 4 November 2026.
Sources used
- Using a mortgage broker
ASIC MoneySmartofficial sourceChecked 4 August 2026
- RG 273 Mortgage brokers: Best interests duty
ASICofficial sourceChecked 4 August 2026
- Guide to comparator websites for operators and suppliers
ACCCofficial sourceChecked 4 August 2026
- Write high quality reviews
Google Search Centralofficial sourceChecked 4 August 2026
- emoney Home Loans
emoney Home Loansemoney sourceChecked 4 August 2026
- About Aussie
Aussieindustry sourceChecked 4 August 2026
- Loan Market Australia
Loan Marketindustry sourceChecked 4 August 2026
- Mortgage broker customer satisfaction awards
Finderindustry sourceChecked 4 August 2026
- About Mortgage Choice
Mortgage Choiceindustry sourceChecked 4 August 2026
- Customer Charter and Credit Guide, May 2026
Mortgage Choiceindustry sourceChecked 4 August 2026
- Lendi Group
Lendi Groupindustry sourceChecked 4 August 2026
This guide is general information and does not take into account your objectives, financial situation, or needs. A broker can review your circumstances before any recommendation.
Before you choose
Compare the support, costs and limits clearly.
Share what you are weighing up. A broker can explain the process, costs and questions that apply to your situation.




