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ItalianoWhich mortgage & home financing services brands
AI recommends in Australia
Brands ranked by mention rate on ChatGPT, Gemini and Google AI Mode
- Brands
- 80
- Questions
- 400
- Answers
- 1,200
- AI engines
- 3
01 · Brand leader
Top 10 brands by mention rate
No single brand runs away with the category.
Several brands compete for the top places.
| # | Brand | Mention rate Share of questions where Gemini names the brand | Share of voice The brand’s share of all brand mentions in the engine’s answers | 95% range The interval the true mention rate most likely falls in | In top 20 of The brand’s place inside each engine’s own top 20 |
|---|---|---|---|---|---|
| 11–3 | NAB | 81.3% | 12.5% | 77.4–85.1 | ChatGPT3Gemini1Google AI Mode2 |
| 21–3 | Westpac | 80.8% | 12.2% | 76.9–84.6 | ChatGPT1Gemini2Google AI Mode1 |
| 31–3 | ANZ | 78.5% | 11.5% | 74.5–82.5 | ChatGPT2Gemini3Google AI Mode3 |
| 44 | Commonwealth Bank | 45.8% | 6.4% | 40.8–50.7 | ChatGPT5Gemini4Google AI Mode4 |
| 55–7 | Macquarie Bank | 34.8% | 4.6% | 30.1–39.4 | ChatGPT4Gemini5Google AI Mode5 |
| 65–9 | Pepper Money | 28.7% | 4.1% | 24.3–33.2 | ChatGPT6Gemini6Google AI Mode6 |
| 75–9 | Unloan | 26.8% | 3.5% | 22.4–31.1 | ChatGPT9Gemini7Google AI Mode8 |
| 86–10 | Resimac | 25.5% | 3.7% | 21.2–29.8 | ChatGPT19Gemini8Google AI Mode7 |
| 96–14 | Loans.com.au | 20.8% | 2.5% | 16.8–24.7 | ChatGPT18Gemini9Google AI Mode11 |
| 108–15 | Bank Australia | 18.5% | 2.5% | 14.7–22.3 | ChatGPT12Gemini10Google AI Mode14 |
| 119–17 | Greater Bank | 17.0% | 2.3% | 13.3–20.7 | ChatGPT20Gemini11Google AI Mode15 |
| 129–20 | Liberty Financial | 16.3% | 2.1% | 12.6–19.9 | ChatGPT8Gemini12Google AI Mode12 |
| 139–20 | UBank | 14.5% | 2.1% | 11.0–18.0 | Gemini13Google AI Mode20 |
| 149–20 | Beyond Bank | 14.0% | 1.6% | 10.6–17.4 | Gemini14Google AI Mode16 |
| 1510–20 | Bendigo Bank | 12.0% | 1.5% | 8.8–15.2 | ChatGPT14Gemini15Google AI Mode9 |
| 1611–20 | Bankwest | 11.5% | 1.5% | 8.4–14.6 | ChatGPT15Gemini16Google AI Mode13 |
| 1711–20 | ING | 11.3% | 1.5% | 8.1–14.4 | ChatGPT7Gemini17Google AI Mode10 |
| 1812–20 | Homestar Finance | 10.3% | 1.1% | 7.3–13.2 | Gemini18 |
| 1912–20 | Suncorp | 10.3% | 1.3% | 7.3–13.2 | Gemini19 |
| 2012–20 | Bank of Melbourne | 10.0% | 1.2% | 7.0–13.0 | Gemini20Google AI Mode17 |
02 · Engine consensus
Where each brand ranks
inside every engine’s top 10
There is no single AI top 10.
Only 7 of 14 brands rank in the top 10 of all 3 engines.
| Brand | ChatGPT | Gemini | Google AI Mode | Perplexity | In top 10 of |
|---|---|---|---|---|---|
| Westpac | 1 | 2 | 1 | n/a | ChatGPTGeminiGoogle AI Mode |
| NAB | 3 | 1 | 2 | n/a | ChatGPTGeminiGoogle AI Mode |
| ANZ | 2 | 3 | 3 | n/a | ChatGPTGeminiGoogle AI Mode |
| Commonwealth Bank | 5 | 4 | 4 | n/a | ChatGPTGeminiGoogle AI Mode |
| Macquarie Bank | 4 | 5 | 5 | n/a | ChatGPTGeminiGoogle AI Mode |
| Pepper Money | 6 | 6 | 6 | n/a | ChatGPTGeminiGoogle AI Mode |
| Unloan | 9 | 7 | 8 | n/a | ChatGPTGeminiGoogle AI Mode |
| Resimac | – | 8 | 7 | n/a | GeminiGoogle AI Mode |
| ING | 7 | – | 10 | n/a | ChatGPTGoogle AI Mode |
| Liberty Financial | 8 | – | – | n/a | ChatGPT |
| Loans.com.au | – | 9 | – | n/a | Gemini |
| Bendigo Bank | – | – | 9 | n/a | Google AI Mode |
| ING Australia | 10 | – | – | n/a | ChatGPT |
| Bank Australia | – | 10 | – | n/a | Gemini |
Rank inside each engine’s own top 10 · a dash means the brand is not in that engine’s top 10 · n/a — the engine gave too few answers here to publish a ranking.
The rest depend on which engine the buyer opens — so a rank from a single engine is not a market position.
Source: Findrix's research. Where each brand ranks inside every engine's top 10, mortgage & home financing services, Australia.
03 · Most cited domains
Which sites each engine cites, and
how much of its answers they carry
| Domain | ChatGPT | Gemini | Google AI Mode | Perplexity |
|---|---|---|---|---|
| canstar.com.au | 4.4% | 6.3% | 10.6% | n/a |
| mozo.com.au | 1.2% | 10.1% | 4.2% | n/a |
| westpac.com.au | 5.2% | 2.2% | 1.8% | n/a |
| commbank.com.au | 4.1% | 1.8% | 2.6% | n/a |
| loanmarket.com.au | <0.1% | 4.0% | 2.2% | n/a |
| money.com.au | 1.0% | 3.5% | 4.0% | n/a |
| anz.com.au | 3.9% | 0.6% | 1.2% | n/a |
| mortgagechoice.com.au | 0.4% | 0.8% | 3.7% | n/a |
| nab.com.au | 3.6% | 0.9% | 1.9% | n/a |
| moneysmart.gov.au | 3.5% | 0.2% | 0.6% | n/a |
| apra.gov.au | 3.3% | 0.1% | 0.6% | n/a |
| everstonefinance.com.au | 0.3% | 2.6% | 3.2% | n/a |
04 · The questions we asked
400 buyer questions, each
asked once per engine
General requests and requests with a specific use case, audience, selection criterion or problem.
| Question type | Questions |
|---|---|
| General questions | 6 |
| Use case | 209 |
| Audience | 20 |
| Selection criteria | 120 |
| Problem to solve | 45 |
By question type
Examples · General questions
“what are the best mortgage lenders in Australia?”
“which mortgage lenders are best value for money in Australia?”
Examples · Use case
“which mortgage lenders have the best reputation for settling an off-the-plan apartment purchase in Australia?”
“which mortgage lenders would you recommend for needing a home loan before recent tax returns are lodged in Australia?”
Examples · Audience
“which mortgage lenders are best for homeowners refinancing off expired fixed rates in Australia?”
“which mortgage lenders are best for first home buyers with small deposits in Australia?”
Examples · Selection criteria
“how do mortgage lenders compare on fully digital approval without branch visits in Australia?”
“what are the top-rated mortgage lenders for assessing borrowing power on only one year of trading history in Australia?”
Examples · Problem to solve
“bank valuation lower than purchase price settlement shortfall. which mortgage lenders can help in Australia?”
“current lender delaying discharge form refinance. which mortgage lenders can help in Australia?”
Source: Findrix research. 400 buyer questions by question type, mortgage & home financing services, Australia.
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Frequently asked questions
What does this Mortgage & Home Financing Services AI Search report measure?
Which mortgage & home financing services brands ChatGPT, Gemini and Google AI Mode name when buyers in Australia ask them for advice. We asked 400 buyer questions, each once to each engine, and counted how often every brand appears and which websites the engines cite. Measured Oct 2026.
What does “mention rate” mean?
The share of questions where an engine names the brand in its answer. A 10% mention rate means the brand came up in about one question in ten. Every rate carries a 95% range: the interval the true value most likely falls in.
How are the top Mortgage & Home Financing Services brands ranked?
By mention rate, separately for each engine — pick the engine above the table. When two brands’ 95% ranges overlap, their order is not really different — tick “Only distinguishable places” to see the ranks the data can actually separate.
Why does a brand rank differently across AI engines?
Each engine retrieves from different sources and weighs them differently, so the brands it knows best differ too. Only 7 of 14 brands make the top 10 of every engine here; the rest depend on which engine the buyer opens.
What counts as a citation?
A link or source an engine shows alongside its answer. We record every cited domain, whether it appears inline or in the source list.
Why can AI mention a brand without citing its website?
Engines learn brand names from reviews, expert sites, retailers and forums, then cite those sources rather than the brand’s own pages. A brand can be named often while its own site is rarely among the sources.
What does “share of citations” mean?
Of all the citations one engine gave across our questions, the share that went to a given domain. The shares of one engine add up to 100%.
Will I get the same answers if I ask these questions myself?
Not word for word. AI answers vary between runs, accounts and locations, which is why we ask every question once to each engine and report a 95% range instead of a single answer.