Online home loan lenders in Australia:Which are most popular?
In September 2026, ubank was the most searched online home loan lender in Australia, accounting for 42.4% of all searches among the six lenders we track. When we checked with ChatGPT and Google AI Overviews, Up and Unloan were mentioned most often, in three of the five answers. Unloan was recommended most often, coming first in both responses that gave a list.
ubankShare of searches 42.4%Mentioned in 1 of 5 AI answersPlace in AI recommendations 5th
Pepper MoneyShare of searches 27.7%Mentioned in 0 of 5 AI answersPlace in AI recommendations –
UpShare of searches 19.4%Mentioned in 3 of 5 AI answersPlace in AI recommendations 2nd
UnloanShare of searches 8.3%Mentioned in 3 of 5 AI answersPlace in AI recommendations 1st
Athena Home LoansShare of searches 1.6%Mentioned in 1 of 5 AI answersPlace in AI recommendations 4th
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Top online home loan lenders in ChatGPT and Google AI Overviews
In Brandwave's three ChatGPT questions and two Google AI Overviews, Up and Unloan were mentioned most often, in three of the five answers. Unloan was recommended most often, coming first in both answers that gave a list. Up was second, and loans.com.au was third. Pepper Money, which ranked second in searches, was not mentioned at all.
Most recommended by AI
Brands get a higher ranking if they are mentioned earlier in the answers.
- Unloan1st
- Up2nd
loans.com.au3rd- Athena Home Loans4th
- ubank5th
- Pepper Money–
Mentioned by AI
Each dot is one answer, filled in when that answer mentions the brand.
- Up3 of 5Named in 2 of 3 ChatGPT answersNamed in 1 of 2 Google answers
- Unloan3 of 5Named in 3 of 3 ChatGPT answersNamed in 0 of 2 Google answers
- loans.com.au2 of 5Named in 2 of 3 ChatGPT answersNamed in 0 of 2 Google answers
- ubank1 of 5Named in 1 of 3 ChatGPT answersNamed in 0 of 2 Google answers
- Athena Home Loans1 of 5Named in 1 of 3 ChatGPT answersNamed in 0 of 2 Google answers
- Pepper Money0 of 5Named in 0 of 3 ChatGPT answersNamed in 0 of 2 Google answers
See every answer about online home loan lenders
5 answers
Asked ChatGPT
“Which online home loan lender should I use in Australia?”
Asked ChatGPT
“What are the best online home loan lenders in Australia?”
Asked ChatGPT
“What's the best home loan in Australia for a first home buyer?”
Searched Google, AI Overview
“home loan”
Searched Google, AI Overview
“home loan comparison”
- 1Up
- 1
Not named in any answer:
Brands are shown in the order each answer named them. The survey took place in Australia on October 22, 2026.
Which online home loan lenders do people search for most?
This chart shows how often people search Google for each online home loan lender by name. Each line represents a brand's share of searches for all six online home loan lenders we track, month by month, from searches in Australia.
Share of searches by month for ubank, Pepper Money, Up, Unloan. The figures are in the table below the chart.
View monthly share of searches table
| Month | ubank | Pepper Money | Up | Unloan | Athena Home Loans | loans.com.au |
|---|---|---|---|---|---|---|
| Oct 2025 | 41.9% | 27.4% | 19.2% | 8.2% | 2.4% | 0.89% |
| Nov 2025 | 37.5% | 29.7% | 20.8% | 8.9% | 2.2% | 0.96% |
| Dec 2025 | 42.7% | 28.1% | 19.7% | 6.9% | 1.7% | 0.9% |
| Jan 2026 | 42% | 27.5% | 19.3% | 8.2% | 2% | 0.89% |
| Feb 2026 | 42.1% | 27.6% | 19.4% | 8.2% | 2% | 0.72% |
| Mar 2026 | 42.1% | 27.5% | 19.3% | 8.2% | 2% | 0.89% |
| Apr 2026 | 39.6% | 31.6% | 18.2% | 7.7% | 1.8% | 1% |
| May 2026 | 41.6% | 27.1% | 19.1% | 9.9% | 1.6% | 0.71% |
| Jun 2026 | 43.7% | 28.7% | 16.6% | 8.6% | 1.7% | 0.75% |
| Jul 2026 | 39% | 31.3% | 18% | 9.3% | 1.5% | 0.82% |
| Aug 2026 | 39.2% | 31.3% | 18% | 9.4% | 1.5% | 0.67% |
| Sep 2026 | 42.4% | 27.7% | 19.4% | 8.3% | 1.6% | 0.56% |
| Rank | Brand | Share of searches | Estimated monthly branded searches | vs prior month | Share change |
|---|---|---|---|---|---|
| 1, held 1st | 42.4% | 75.6K | -0.4% | +3.1 points | |
| 2, held 2nd | 27.7% | 49.5K | -18.2% | -3.5 points | |
| 3, held 3rd | 19.4% | 34.7K | -0.46% | +1.4 points | |
| 4, held 4th | 8.3% | 14.8K | -18.2% | -1.1 points | |
| 5, held 5th | 1.6% | 2.9K | 0% | +0.1 points | |
| 6, held 6th | 0.56% | 1K | -23.1% | -0.1 points |
1.
ubank42.4%
Held 1st. 75.6K estimated branded searches, -0.4% vs prior month. Share +3.1 points.
27.7%
Held 2nd. 49.5K estimated branded searches, -18.2% vs prior month. Share -3.5 points.
3.
Up19.4%
Held 3rd. 34.7K estimated branded searches, -0.46% vs prior month. Share +1.4 points.
4.
Unloan8.3%
Held 4th. 14.8K estimated branded searches, -18.2% vs prior month. Share -1.1 points.
1.6%
Held 5th. 2.9K estimated branded searches, 0% vs prior month. Share +0.1 points.
0.56%
Held 6th. 1K estimated branded searches, -23.1% vs prior month. Share -0.1 points.
Which brand is most popular in search among online home loan lenders in Australia?
6 brands
In September 2026, ubank was the most searched among online home loan lenders in Australia, with an estimated 75.6K branded searches, 42.4% of all searches for the six we track. Pepper Money is in 2nd place, 14.6 percentage points behind at 27.7%.
| Brand | Share of searches | Peak | Low | Rank |
|---|---|---|---|---|
| ubank | 41.9% → 42.4% | 43.7%Jun 2026 | 37.5%Nov 2025 | 1st |
| Pepper Money | 27.4% → 27.7% | 31.6%Apr 2026 | 27.1%May 2026 | 2nd |
| Up | 19.2% → 19.4% | 20.8%Nov 2025 | 16.6%Jun 2026 | 3rd |
| Unloan | 8.2% → 8.3% | 9.9%May 2026 | 6.9%Dec 2025 | 4th |
| Athena Home Loans | 2.4% → 1.6% | 2.4%Oct 2025 | 1.5%Aug 2026 | 5th |
| loans.com.au | 0.89% → 0.56% | 1%Apr 2026 | 0.56%Sep 2026 | 6th |
Each finding as a sentence
- Across the 12 months ending September 2026, Athena Home Loans’ share of searches among online home loan lenders in Australia decreased from 2.4% to 1.6%.
- Across the 12 months ending September 2026, ubank’s share of searches among online home loan lenders in Australia peaked at 43.7% in June 2026 and was lowest at 37.5% in November 2025.
- Across the 12 months ending September 2026, Pepper Money’s share of searches among online home loan lenders in Australia peaked at 31.6% in April 2026 and was lowest at 27.1% in May 2026.
- Across the 12 months ending September 2026, Up’s share of searches among online home loan lenders in Australia peaked at 20.8% in November 2025 and was lowest at 16.6% in June 2026.
- Across the 12 months ending September 2026, Unloan’s share of searches among online home loan lenders in Australia peaked at 9.9% in May 2026 and was lowest at 6.9% in December 2025.
- Across the 12 months ending September 2026, ubank, Pepper Money, Up, Unloan and loans.com.au held steady: their share of searches among online home loan lenders in Australia each moved less than 0.5 percentage points.
How did search popularity change for Australia online home loan lenders in September 2026?
6 changes
In September 2026, ubank gained share of searches among online home loan lenders in Australia, from 39.2% to 42.4%.
In September 2026, Up gained share of searches among online home loan lenders in Australia, from 18% to 19.4%.
In September 2026, Pepper Money lost share of searches among online home loan lenders in Australia, from 31.3% to 27.7%.
In September 2026, Unloan lost share of searches among online home loan lenders in Australia, from 9.4% to 8.3%.
Estimated monthly branded searches for loans.com.au in Australia fell 37.5% over 12 measured months, from 1.6K to 1K in September 2026.
Estimated monthly branded searches for Athena Home Loans in Australia fell 34.1% over 12 measured months, from 4.4K to 2.9K in September 2026.
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