---
title: "Online home loan lenders in Australia: Which are searched most?"
description: "Compare the online and non-bank lenders Australians get home loans from. Share of Search among ubank, Pepper Money, Up, Unloan, Athena Home Loans and loans.com.au, the online home loan lenders Brandwave compares in Australia, using the same methodology, market, and reporting period. Branded searches tell you how often people look for a brand by name or related terms. Comparing these searches across competitors helps you see how popular each brand is over time."
canonical: "https://gobrandwave.com/demand/au/categories/au-online-home-loan-lenders"
publisher: "Brandwave"
---

# Online home loan lenders in Australia: Which are searched most?

Compare the online and non-bank lenders Australians get home loans from. Share of Search among ubank, Pepper Money, Up, Unloan, Athena Home Loans and loans.com.au, the online home loan lenders Brandwave compares in Australia, using the same methodology, market, and reporting period. Branded searches tell you how often people look for a brand by name or related terms. Comparing these searches across competitors helps you see how popular each brand is over time.

## Key facts

- **Competitive set**: Online home loan lenders
- **Market**: Australia
- **Brands compared**: 6
- **Month measured**: Sep 2026
- **Highest Share of Search**: ubank, 42.4%

## Which brand is most popular in search among online home loan lenders in Australia?

- 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%.
- 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.

## 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.

Brands get a higher AI rank if they are mentioned earlier in the answers that list options.

| Brand | AI rank | ChatGPT answers that named it | Google AI Overviews that named it | All answers that named it |
| --- | --- | --- | --- | --- |
| Unloan | 1st | 3 of 3 | 0 of 2 | 3 of 5 |
| Up | 2nd | 2 of 3 | 1 of 2 | 3 of 5 |
| loans.com.au | 3rd | 2 of 3 | 0 of 2 | 2 of 5 |
| Athena Home Loans | 4th | 1 of 3 | 0 of 2 | 1 of 5 |
| ubank | 5th | 1 of 3 | 0 of 2 | 1 of 5 |
| Pepper Money | Not ranked | 0 of 3 | 0 of 2 | 0 of 5 |

## Every AI answer about online home loan lenders

- Asked ChatGPT "Which online home loan lender should I use in Australia?": 1. Unloan, 2. Up, 3. loans.com.au
- Asked ChatGPT "What are the best online home loan lenders in Australia?": 1. Unloan, 2. Up, 3. loans.com.au, 4. Athena Home Loans, 5. ubank
- Asked ChatGPT "What's the best home loan in Australia for a first home buyer?": 1. Unloan
- Searched Google, AI Overview "home loan": named none of the brands we track
- Searched Google, AI Overview "home loan comparison": 1. Up

Not named in any answer: Pepper Money.

Brands are listed in the order each answer named them. The answers were collected in Australia on October 22, 2026.

## Compare search popularity between leading brands

- [ubank vs Pepper Money: compare search popularity](/demand/au/compare/pepper-money-vs-ubank): 42.4% against 27.7% Share of Search.
- [ubank vs Up: compare search popularity](/demand/au/compare/ubank-vs-up-bank): 42.4% against 19.4% Share of Search.
- [ubank vs Unloan: compare search popularity](/demand/au/compare/ubank-vs-unloan): 42.4% against 8.3% Share of Search.
- [Pepper Money vs Up: compare search popularity](/demand/au/compare/pepper-money-vs-up-bank): 27.7% against 19.4% Share of Search.
- [Pepper Money vs Unloan: compare search popularity](/demand/au/compare/pepper-money-vs-unloan): 27.7% against 8.3% Share of Search.
- [Up vs Unloan: compare search popularity](/demand/au/compare/unloan-vs-up-bank): 19.4% against 8.3% Share of Search.

## How did search popularity change for Australia online home loan lenders in September 2026?

- 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.

## Share of Search ranking

| Rank | Brand | Share of Search | Estimated monthly branded searches | Change vs prior month | Owned by |
| --- | --- | --- | --- | --- | --- |
| 1 | ubank | 42.4% | 75.6K | -0.4% | National Australia Bank |
| 2 | Pepper Money | 27.7% | 49.5K | -18.2% | Pepper Money |
| 3 | Up | 19.4% | 34.7K | -0.5% | Up |
| 4 | Unloan | 8.3% | 14.8K | -18.2% | Commonwealth Bank |
| 5 | Athena Home Loans | 1.6% | 2.9K | 0.0% | Athena Home Loans |
| 6 | loans.com.au | 0.56% | 1K | -23.1% | loans.com.au |

## Historical estimated branded-search demand

| Month | Brand | Estimated monthly branded searches | Share of Search | Rank |
| --- | --- | --- | --- | --- |
| Oct 2025 | ubank | 75.6K | 41.9% | 1 |
| Oct 2025 | Pepper Money | 49.5K | 27.4% | 2 |
| Oct 2025 | Up | 34.7K | 19.2% | 3 |
| Oct 2025 | Unloan | 14.8K | 8.2% | 4 |
| Oct 2025 | Athena Home Loans | 4.4K | 2.4% | 5 |
| Oct 2025 | loans.com.au | 1.6K | 0.89% | 6 |
| Nov 2025 | ubank | 62.4K | 37.5% | 1 |
| Nov 2025 | Pepper Money | 49.5K | 29.7% | 2 |
| Nov 2025 | Up | 34.6K | 20.8% | 3 |
| Nov 2025 | Unloan | 14.8K | 8.9% | 4 |
| Nov 2025 | Athena Home Loans | 3.6K | 2.2% | 5 |
| Nov 2025 | loans.com.au | 1.6K | 0.96% | 6 |
| Dec 2025 | ubank | 61.5K | 42.7% | 1 |
| Dec 2025 | Pepper Money | 40.5K | 28.1% | 2 |
| Dec 2025 | Up | 28.3K | 19.7% | 3 |
| Dec 2025 | Unloan | 9.9K | 6.9% | 4 |
| Dec 2025 | Athena Home Loans | 2.4K | 1.7% | 5 |
| Dec 2025 | loans.com.au | 1.3K | 0.9% | 6 |
| Jan 2026 | ubank | 75.6K | 42% | 1 |
| Jan 2026 | Pepper Money | 49.5K | 27.5% | 2 |
| Jan 2026 | Up | 34.7K | 19.3% | 3 |
| Jan 2026 | Unloan | 14.8K | 8.2% | 4 |
| Jan 2026 | Athena Home Loans | 3.6K | 2% | 5 |
| Jan 2026 | loans.com.au | 1.6K | 0.89% | 6 |
| Feb 2026 | ubank | 75.6K | 42.1% | 1 |
| Feb 2026 | Pepper Money | 49.5K | 27.6% | 2 |
| Feb 2026 | Up | 34.8K | 19.4% | 3 |
| Feb 2026 | Unloan | 14.8K | 8.2% | 4 |
| Feb 2026 | Athena Home Loans | 3.6K | 2% | 5 |
| Feb 2026 | loans.com.au | 1.3K | 0.72% | 6 |
| Mar 2026 | ubank | 75.9K | 42.1% | 1 |
| Mar 2026 | Pepper Money | 49.5K | 27.5% | 2 |
| Mar 2026 | Up | 34.8K | 19.3% | 3 |
| Mar 2026 | Unloan | 14.8K | 8.2% | 4 |
| Mar 2026 | Athena Home Loans | 3.6K | 2% | 5 |
| Mar 2026 | loans.com.au | 1.6K | 0.89% | 6 |
| Apr 2026 | ubank | 62.1K | 39.6% | 1 |
| Apr 2026 | Pepper Money | 49.5K | 31.6% | 2 |
| Apr 2026 | Up | 28.6K | 18.2% | 3 |
| Apr 2026 | Unloan | 12.1K | 7.7% | 4 |
| Apr 2026 | Athena Home Loans | 2.9K | 1.8% | 5 |
| Apr 2026 | loans.com.au | 1.6K | 1% | 6 |
| May 2026 | ubank | 75.9K | 41.6% | 1 |
| May 2026 | Pepper Money | 49.5K | 27.1% | 2 |
| May 2026 | Up | 34.8K | 19.1% | 3 |
| May 2026 | Unloan | 18.1K | 9.9% | 4 |
| May 2026 | Athena Home Loans | 2.9K | 1.6% | 5 |
| May 2026 | loans.com.au | 1.3K | 0.71% | 6 |
| Jun 2026 | ubank | 75.3K | 43.7% | 1 |
| Jun 2026 | Pepper Money | 49.5K | 28.7% | 2 |
| Jun 2026 | Up | 28.5K | 16.6% | 3 |
| Jun 2026 | Unloan | 14.8K | 8.6% | 4 |
| Jun 2026 | Athena Home Loans | 2.9K | 1.7% | 5 |
| Jun 2026 | loans.com.au | 1.3K | 0.75% | 6 |
| Jul 2026 | ubank | 61.8K | 39% | 1 |
| Jul 2026 | Pepper Money | 49.5K | 31.3% | 2 |
| Jul 2026 | Up | 28.5K | 18% | 3 |
| Jul 2026 | Unloan | 14.8K | 9.3% | 4 |
| Jul 2026 | Athena Home Loans | 2.4K | 1.5% | 5 |
| Jul 2026 | loans.com.au | 1.3K | 0.82% | 6 |
| Aug 2026 | ubank | 75.9K | 39.2% | 1 |
| Aug 2026 | Pepper Money | 60.5K | 31.3% | 2 |
| Aug 2026 | Up | 34.9K | 18% | 3 |
| Aug 2026 | Unloan | 18.1K | 9.4% | 4 |
| Aug 2026 | Athena Home Loans | 2.9K | 1.5% | 5 |
| Aug 2026 | loans.com.au | 1.3K | 0.67% | 6 |
| Sep 2026 | ubank | 75.6K | 42.4% | 1 |
| Sep 2026 | Pepper Money | 49.5K | 27.7% | 2 |
| Sep 2026 | Up | 34.7K | 19.4% | 3 |
| Sep 2026 | Unloan | 14.8K | 8.3% | 4 |
| Sep 2026 | Athena Home Loans | 2.9K | 1.6% | 5 |
| Sep 2026 | loans.com.au | 1K | 0.56% | 6 |

## What is being compared

- **Athena Home Loans**: Measured on the search terms “athena home loan” and “athena home loans”, summed into one figure.
- **loans.com.au**: Measured on the search term “loans.com.au”.
- **Pepper Money**: Measured on the search term “pepper money”.
- **ubank**: Measured on the search terms “ubank” and “ubank home loan”, summed into one figure.
- **Unloan**: Measured on the search term “unloan”.
- **Up**: Measured on the search terms “up bank”, “up bank home loan” and “up home loan”, summed into one figure.

- [Athena Home Loans](/demand/au/brands/athena-home-loans)
- [loans.com.au](/demand/au/brands/loans-com-au)
- [Pepper Money](/demand/au/brands/pepper-money)
- [ubank](/demand/au/brands/ubank)
- [Unloan](/demand/au/brands/unloan)
- [Up](/demand/au/brands/up-bank)

## Methodology

- [How is the Brand Demand Index measured?](/demand/methodology): Where the figures come from, what they compare, and how they may be reused.

## Frequently asked questions

### Which brand is most popular in search among online home loan lenders in Australia?

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.

## Cite this page

Brandwave. "Online home loan lenders in Australia: Which are searched most?". https://gobrandwave.com/demand/au/categories/au-online-home-loan-lenders

This page is also available as HTML at https://gobrandwave.com/demand/au/categories/au-online-home-loan-lenders. Brandwave publishes an index of its Markdown pages at https://gobrandwave.com/llms.txt.