50+ lenders. One conversation. The right fit for you.
We compare across 37 lenders - major banks, non-banks, specialist, and consumer lenders - to find the product that best fits your situation. Here is who we work with and why it matters.
More lenders means more leverage for you.
When you walk into your bank, you see one set of products priced for the general market. When you work with Mont Clair Capital, you access 50+ lenders simultaneously - each with different credit policies, serviceability calculators, and product features. The difference can be tens of thousands of dollars over the life of your loan.
More importantly, different lenders assess different client profiles more favourably. A self-employed applicant who is declined by one major bank may be approved at a better rate by a non-bank specialist. A first home buyer in a regional area may qualify for a scheme only available through certain accredited lenders. Our job is knowing which lender is right for which client - every time.
Rate competition
Lenders compete for our business. That competition benefits you directly in the form of sharper pricing and waived fees that you wouldn't receive walking in alone.
Policy diversity
Every lender has different credit policies - for self-employed income, alt-doc applications, high LVR, and specialist scenarios. We know which policies suit your situation.
Specialist access
Non-bank and specialist lenders aren't on comparison sites. They're only accessible through accredited brokers. Many of our best outcomes come from lenders you've never heard of.
No hidden agenda
We receive similar commission across most lenders. We have no financial incentive to prefer one over another - our only incentive is your outcome and the referral that follows.
The lenders we use most - and what they're best for.
These are the lenders we place the most volume with. Each has specific strengths - the right one for you depends entirely on your situation, not our preference.
Commonwealth Bank of Australia
Australia's largest bank and one of the most recognisable lenders on the market. CBA's digital platform and branch network are well regarded, and their serviceability assessment is generally favourable for strong PAYG applicants. Their offset and redraw features are among the most flexible of the major banks.
Best for: Owner-occupiers, strong PAYG income, clients who want a major bank with strong digital tools.
Westpac
One of Australia's oldest financial institutions with a strong residential and investment lending book. Westpac tends to assess investment lending favourably and has competitive fixed rate products. Their family of brands also includes St. George, Bank of Melbourne, and BankSA, providing additional policy options under the same umbrella.
Best for: Investors, fixed rate seekers, clients in states where St. George or Bank of Melbourne are preferred.
ANZ
ANZ has a strong reputation in both residential and SMSF lending. Their assessment rates and policies are competitive for many applicant profiles, and they have a solid track record with complex lending scenarios. ANZ is one of the more flexible major banks for alt-doc and non-standard income types.
Best for: SMSF property lending, complex income scenarios, clients needing flexibility in assessment.
NAB
NAB is one of the most broker-friendly of the four major banks and consistently competitive on both residential and business lending. Their processing times and broker support are generally well regarded. NAB also has a strong policy for professionals seeking LMI waivers across certain eligible occupations.
Best for: Professionals seeking LMI waivers, business owners, strong broker relationships and processing.
Macquarie Bank
Macquarie is the premium non-major lender of choice for high-net-worth and investor clients. Their offset account functionality is class-leading and their digital platform is one of the best in the market. Macquarie consistently offers sharp pricing for well-qualified borrowers and is particularly strong in the SMSF and investment property space.
Best for: Investors, high-net-worth clients, SMSF lending, those who value a best-in-class offset account and digital experience.
Australian Military Bank
The preferred lender for Australian Defence Force personnel and their families. Australian Military Bank is accredited under the Defence Home Ownership Assistance Scheme (DHOAS) and offers products specifically designed for the unique financial circumstances of serving and former ADF members, including flexible income verification for deployment periods.
Best for: ADF personnel, defence family members, DHOAS eligible applicants, those seeking specialist defence lending.
Our full panel - displayed lenders below.
A selection of lenders from our 50+ panel across residential home loans, personal finance, and consumer lending. Every lender listed is accredited and available through Mont Clair Capital.
Commonwealth Bank
Major Bank
Australia's largest bank with class-leading digital tools and flexible offset functionality. Favourable assessment for strong PAYG applicants.
ANZ
Major Bank
Strong residential and SMSF lending with flexible credit policy. Competitive for complex income scenarios and first home buyers.
NAB
Major Bank
Broker-friendly major bank with strong LMI waiver policy for professionals. Competitive for business owners and clients with complex income.
Westpac
Major Bank
One of Australia's oldest banks with competitive investment lending and fixed rate products. Parent of St. George, Bank of Melbourne, and BankSA.
AFG Home Loans
Aggregator Brand
White-label home loan products from AFG, available exclusively through accredited brokers. Competitive rates across a range of residential products.
Brighten
Non-Bank
Specialist non-bank lender focused on foreign income, expat, and non-resident borrowers. Strong policy for complex international income scenarios.
Firstmac
Non-Bank
Consistent low-rate non-bank lender. Competitive for clean PAYG applicants and investors seeking sharp rates without major bank fees.
Macquarie Bank
Premium Bank
Class-leading offset account and digital platform. Consistently sharp pricing for well-qualified borrowers, investors, and SMSF clients.
Resimac
Non-Bank
Established non-bank lender with competitive rates and strong policy for investors and self-employed applicants. Good for portfolio builders.
Skip
Digital Lender
Digital non-bank lender with a streamlined application process. Competitive for straightforward refinancers seeking a fast, low-fee solution.
La Trobe Financial
Specialist
Leading specialist lender for complex income, credit-impaired, and near-prime applicants. One of the strongest alt-doc policies on our panel.
Liberty
Specialist
Broad policy appetite for non-standard applications including self-employed, credit history issues, and alt-doc income types.
MA Money
Specialist
Specialist non-bank lender with a flexible approach to credit policy. Strong for self-employed and non-conforming applicants.
ORDE Financial
Specialist
Specialist non-bank lender with a particular focus on self-employed and alt-doc borrowers. Flexible income verification and competitive rates.
Pepper Money
Specialist
Market-leading specialist lender for near-prime and non-conforming borrowers. Strong for self-employed, credit impairment, and complex income.
RedZed
Specialist
Dedicated self-employed lender with one of the most flexible alt-doc policies on the market. Best for business owners with complex financials.
Zeus
Specialist
Specialist non-bank lender focused on self-employed and alt-doc borrowers. Flexible income assessment with competitive rates for complex scenarios.
Alex Bank
Digital Bank
Australia's newest digital bank offering competitive unsecured personal loans with fast approval and a simple online application process.
Firstmac Consumer
Consumer Finance
Consumer finance arm of Firstmac offering competitive personal and vehicle loans. Fast approvals and competitive rates across secured and unsecured products.
Latitude
Consumer Finance
One of Australia's largest consumer lenders. Personal loans, car finance, and interest-free products with fast approvals and competitive rates.
MoneyMe
Consumer Finance
Digital personal and car loan lender with fast approvals and competitive unsecured rates. Good for refinancing high-interest consumer debt.
Money Now Finance
Consumer Finance
Consumer finance specialist with personal loan and vehicle finance products. Accessible for a range of credit profiles.
Now Finance
Consumer Finance
Personal loan specialist with competitive fixed rates and no early repayment fees. Strong for debt consolidation and personal loan refinancing.
Plenti
Consumer Finance
Market-leading personal and vehicle finance lender with competitive rates and fast approvals. Strong for unsecured personal loans and green vehicle finance.
WISR
Consumer Finance
Purpose-led digital lender offering personal loans and car finance. Known for transparent pricing and strong customer service scores.
AMP Bank
Bank
Competitive home loan products with strong offset functionality. Good for clients with existing AMP wealth relationships and SMSF lending scenarios.
Auswide Bank
Regional Bank
Queensland-based regional lender with competitive rates and flexible credit policy for self-employed and regional borrowers.
Bank First
Bank
Member-owned bank with competitive home loan rates and a customer-focused approach. Good for owner-occupiers and refinancers.
Bendigo Bank
Regional Bank
Community banking ethos with competitive residential rates. Strong for owner-occupiers who value a relationship-based lender.
Beyond Bank
Credit Union
Member-owned credit union with competitive personal and home loan products. Good for clients seeking ethical, customer-owned banking.
Great Southern Bank
Bank
Formerly CUA - Australia's largest customer-owned bank. Competitive home loan rates with a strong member-first approach.
ME Bank
Bank
BOQ Group-backed bank with competitive rates on straightforward home loan products. Good for PAYG owner-occupiers and refinancers.
MyState Bank
Regional Bank
Tasmanian-headquartered bank with competitive national home loan products. Good for owner-occupiers and investors seeking a regional alternative.
St. George
Bank
Westpac-owned bank with its own credit policy. Competitive in NSW and QLD markets with strong investor and fixed rate products.
Suncorp Bank
Bank
Queensland-headquartered bank with competitive home loan pricing and a strong national presence. Good for owner-occupiers and investors.
uBank
Digital Bank
NAB-backed digital bank with sharp variable rate pricing. Competitive for straightforward PAYG refinancers who value a digital-first experience.
AMP Bank
Bank
Competitive home loan products with strong offset functionality. Good for clients with existing AMP wealth relationships and SMSF lending scenarios.
Auswide Bank
Regional Bank
Queensland-based regional lender with competitive rates and flexible credit policy for self-employed and regional borrowers.
Bank First
Bank
Member-owned bank with competitive home loan rates and a customer-focused approach. Good for owner-occupiers and refinancers.
Bendigo Bank
Regional Bank
Community banking ethos with competitive residential rates. Strong for owner-occupiers who value a relationship-based lender.
Beyond Bank
Credit Union
Member-owned credit union with competitive personal and home loan products. Good for clients seeking ethical, customer-owned banking.
Great Southern Bank
Bank
Formerly CUA - Australia's largest customer-owned bank. Competitive home loan rates with a strong member-first approach.
ME Bank
Bank
BOQ Group-backed bank with competitive rates on straightforward home loan products. Good for PAYG owner-occupiers and refinancers.
MyState Bank
Regional Bank
Tasmanian-headquartered bank with competitive national home loan products. Good for owner-occupiers and investors seeking a regional alternative.
St. George
Bank
Westpac-owned bank with its own credit policy. Competitive in NSW and QLD markets with strong investor and fixed rate products.
Suncorp Bank
Bank
Queensland-headquartered bank with competitive home loan pricing and a strong national presence. Good for owner-occupiers and investors.
uBank
Digital Bank
NAB-backed digital bank with sharp variable rate pricing. Competitive for straightforward PAYG refinancers who value a digital-first experience.
AMP Bank
Bank
Competitive home loan products with strong offset functionality. Good for clients with existing AMP wealth relationships and SMSF lending scenarios.
Auswide Bank
Regional Bank
Queensland-based regional lender with competitive rates and flexible credit policy for self-employed and regional borrowers.
Bank First
Bank
Member-owned bank with competitive home loan rates and a customer-focused approach. Good for owner-occupiers and refinancers.
Bendigo Bank
Regional Bank
Community banking ethos with competitive residential rates. Strong for owner-occupiers who value a relationship-based lender.
Beyond Bank
Credit Union
Member-owned credit union with competitive personal and home loan products. Good for clients seeking ethical, customer-owned banking.
Great Southern Bank
Bank
Formerly CUA - Australia's largest customer-owned bank. Competitive home loan rates with a strong member-first approach.
ME Bank
Bank
BOQ Group-backed bank with competitive rates on straightforward home loan products. Good for PAYG owner-occupiers and refinancers.
MyState Bank
Regional Bank
Tasmanian-headquartered bank with competitive national home loan products. Good for owner-occupiers and investors seeking a regional alternative.
St. George
Bank
Westpac-owned bank with its own credit policy. Competitive in NSW and QLD markets with strong investor and fixed rate products.
Suncorp Bank
Bank
Queensland-headquartered bank with competitive home loan pricing and a strong national presence. Good for owner-occupiers and investors.
uBank
Digital Bank
NAB-backed digital bank with sharp variable rate pricing. Competitive for straightforward PAYG refinancers who value a digital-first experience.
Deposit Assure
Deposit Bond
Deposit bond provider for property purchasers who need to demonstrate a deposit without using cash. An alternative to a cash deposit at exchange, accepted by most vendors and developers.
Plus More
50+ Lender Panel
We access additional lenders across residential, consumer, and business lending not listed here. Contact us to find the right lender for your specific situation.
It's never the first one on the list. It's the right one for you.
We assess your profile first
Before we look at a single lender, we fully understand your income type, credit history, deposit position, and goals. Every lender has different strengths - we need to know yours before we can match you.
We filter by policy fit
We shortlist lenders whose credit policy is most favourable for your specific situation - employment type, loan purpose, LVR, and any specialist requirements like alt-doc, SMSF, or professional waivers.
We compare rate and features
Within the shortlist, we compare interest rate, comparison rate, offset capability, redraw flexibility, and fee structure. Rate is one factor - the total cost of ownership over your loan term is what matters.
We present our recommendation
You receive a written recommendation with our reasoning explained in plain English. We tell you which lender, why, and what alternatives exist. You decide - we never proceed without your approval.
We disclose our commission
Before lodgement, we disclose the commission we receive from the recommended lender. Full transparency on how we are paid is a legal requirement under Best Interest Duty - and something we take seriously.
We review annually
Lender pricing and policy changes constantly. We conduct an annual review of your loan to ensure your lender remains the right choice - and we move you if a materially better option exists.
Important: The lender information on this page is provided for general guidance only and is subject to change. Lender policies, rates, and products change frequently and the information above may not reflect current offerings. The inclusion of a lender on this page does not constitute a recommendation of that lender for your specific situation. All lender recommendations are made individually based on your assessed financial position and goals. Interest rates and product features are sourced from publicly available information and our aggregator panel - contact us for current rates applicable to your scenario. Mont Clair Capital is not affiliated with, endorsed by, or employed by any lender listed on this page.
Want to know which lender is right for you?
The answer depends on your income, situation, and goals. Book a free consultation and we'll identify the lender on our panel that gives you the best outcome.