Top 10 Mortgage Lenders in Australian Capital Territory

Our ranking of 10 home loan lenders most relevant to Australian Capital Territory borrowers. Score combines the lender's lowest variable rate, our editorial rating, and home-state presence in ACT. We do not weight by affiliate status — see our editorial standards and disclosure. General information only.

1.
Macquarie Bank
bank · HQ NSW
5.79% p.a. variable
★ 4.6 / 5
Macquarie has been the headline aggressive variable-rate competitor since 2022 and routinely undercuts the Big 4.
Regional presence$500k / 30y / mo: $2,931Read full review →Visit Macquarie Bank
2.
ING
digital · HQ NSW
5.84% p.a. variable
★ 4.5 / 5
Branch-light digital bank that has consistently priced near the front of the variable-rate market.
Regional presence$500k / 30y / mo: $2,947Read full review →Visit ING
3.
Unloan
digital · HQ NSW
5.84% p.a. variable
★ 4.4 / 5
CBA-incubated digital refinance lender with auto-decreasing LVR margin.
Regional presence$500k / 30y / mo: $2,947Read full review →Visit Unloan
4.
Athena Home Loans
non bank · HQ NSW
5.84% p.a. variable
★ 4.5 / 5
Non-bank lender with a refinance-first model; rates automatically reduce as the loan amortises.
Regional presence$500k / 30y / mo: $2,947Read full review →Visit Athena Home Loans
5.
ubank
digital · HQ VIC
5.89% p.a. variable
★ 4.4 / 5
NAB-owned digital lender; Home Loan combines competitive variable rates with NAB-grade backing.
Sharpest variable rate$500k / 30y / mo: $2,962Read full review →Visit ubank
6.
Teachers Mutual Bank
credit union · HQ NSW
6.14% p.a. variable
★ 4.0 / 5
Customer-owned bank serving the education sector; now part of TMBL umbrella.
Regional presence · Strong local presence$500k / 30y / mo: $3,043Read full review →
7.
Commonwealth Bank
big4 · HQ NSW
6.04% p.a. variable
★ 4.0 / 5
Australia's largest home loan lender by book; comprehensive product range, branch network in every state.
Regional presence · Big 4 national bank$500k / 30y / mo: $3,011Read full review →
8.
HSBC Australia
bank · HQ NSW
5.94% p.a. variable
★ 4.0 / 5
Global bank with a strong Premier-tier mortgage offering for high-income/expat borrowers.
Regional presence$500k / 30y / mo: $2,978Read full review →
9.
Westpac
big4 · HQ NSW
6.04% p.a. variable
★ 3.9 / 5
Oldest bank in Australia; Premier Advantage Package remains the headline owner-occupier offering.
Regional presence · Big 4 national bank$500k / 30y / mo: $3,011Read full review →
10.
Tic:Toc
non bank · HQ SA
5.89% p.a. variable
★ 4.3 / 5
South Australian fintech with instant assessment workflows; backed by Bendigo Bank.
Sharpest variable rate$500k / 30y / mo: $2,962Read full review →Visit Tic:Toc

How we ranked these ACT lenders

For each lender we calculated a score using three signals:

Lowest variable rate (0–2.5 points) — inverted against the field, so the sharpest rate gets the maximum bonus.
Editorial rating (0–5 points) — from our independent lender review.
Home-state presence (0–2.8 points) — bonus for HQ in ACT, community presence, or Big 4 / digital national availability.

Affiliate partnerships are not a ranking factor. The score is deterministic and reproducible from the data on our public lenders page. Rates change frequently; the ranking is reviewed periodically.