2026 Third-Party Lending Report
The Third-Party Lending Report is the annual benchmark for Australia’s residential and commercial mortgage lending market, capturing broker perceptions of lender performance through a self-accessed survey of mortgage and finance brokers conducted by Agile Market Intelligence.
The report helps lenders evaluate their standing in the third-party channel by providing insights across key aspects of the lender proposition, alongside year-on-year performance tracking and competitive benchmarking.
Download Report Overview
Market Leaders
Being recognised as a Market Leader means consistently delivering an outstanding broker experience and setting the benchmark in a highly competitive market.
Residential Mortgages
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Commercial Market Leaders
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Westpac was ranked the highest among the major banks with a score of 78%. This score places the lender at the top among the major banks for two years in succession.
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Macquarie Bank maintained the highest broker rating of 88%, similar to the previous year. It leads all large non-majors and has consistently held the top spot across all lenders for six consecutive years.
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P&N Bank scored a rating of 80% among the small non-major banks. This is the first time this lender ranked first among small non-major banks.
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Pepper Money was rated the highest among large non-banks. With a score of 75% up from 72% last year, this improvement boosted the lender from third to first place.
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MA Money achieved a score of 80% in 2026, up from 76% in 2025. This rating landed the lender to first place from an initial third ranking.
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P&N ranked first among the mutual banks with a score of 80%. It has consecutively landed the top spot for two years in a row within this category.
Category Leaders
Residential Mortgages
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These standout lenders offered clear, competitive and a wide breadth of lender products and policies across key market segments.
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These category winners provided efficiency during settlement and post-settlement client support, and showed a commitment to broker communication, training, and the broker channel.
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These top lenders showcased rapid turnaround end-to-end from application to funding, including processing, approval, and contract timelines.
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These exceptional winners displayed functional, reliable, and user-friendly lender systems such as valuations, document submission, digital tools, portals, and application platforms.
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These outstanding lenders served their clients with consistent and quality communication, responsiveness, and effectiveness in resolving broker needs from credit assessors, call centre teams, and BDMs.
