Which mortgages & home loans brands
AI recommends in Australia
Brands ranked by mention rate on ChatGPT, Gemini, Google AI Mode and Perplexity
- Brands
- 30
- Questions
- 334
- Answers
- 4,008
- AI engines
- 4
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 Perplexity 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 |
|---|---|---|---|---|---|
| 11–15 | Commonwealth Bank | 5.5% | 7.1% | 3.5–8.5 | ChatGPT1Gemini3Google AI Mode1Perplexity1 |
| 21–15 | NAB | 5.0% | 9.5% | 3.1–7.9 | ChatGPT4Gemini7Google AI Mode3Perplexity2 |
| 31–16 | Pepper Money | 4.6% | 4.6% | 2.8–7.4 | ChatGPT6Gemini1Google AI Mode2Perplexity3 |
| 41–19 | ANZ | 4.0% | 9.8% | 2.4–6.7 | ChatGPT3Gemini4Google AI Mode7Perplexity4 |
| 51–19 | Liberty Financial | 4.0% | 4.5% | 2.4–6.7 | ChatGPT5Gemini2Google AI Mode5Perplexity5 |
| 61–20 | Westpac | 3.7% | 5.1% | 2.1–6.3 | ChatGPT2Gemini8Google AI Mode4Perplexity6 |
| 71–20 | Unloan | 3.5% | 5.5% | 2.0–6.0 | ChatGPT19Gemini13Google AI Mode13Perplexity7 |
| 81–20 | Athena Home Loans | 2.7% | 3.0% | 1.4–5.0 | Gemini15Perplexity8 |
| 91–20 | National Housing Finance and Investment Corporation | 2.7% | 6.5% | 1.4–5.0 | ChatGPT11Gemini12Google AI Mode8Perplexity9 |
| 101–20 | Macquarie Bank | 1.8% | 2.8% | 0.8–3.9 | ChatGPT10Gemini11Google AI Mode11Perplexity10 |
| 111–20 | Indigenous Business Australia | 1.8% | 4.4% | 0.8–3.9 | ChatGPT18Gemini16Google AI Mode16Perplexity11 |
| 121–20 | Tiimely Home | 1.8% | 1.2% | 0.8–3.9 | Gemini20Google AI Mode19Perplexity12 |
| 131–20 | La Trobe Financial | 1.7% | 2.4% | 0.8–3.7 | ChatGPT8Gemini6Google AI Mode12Perplexity13 |
| 141–20 | Thinktank Property Finance | 1.5% | 2.0% | 0.6–3.5 | ChatGPT13Google AI Mode20Perplexity14 |
| 151–20 | Defence Bank | 1.5% | 1.9% | 0.6–3.5 | Gemini17Google AI Mode17Perplexity15 |
| 163–20 | Bendigo Bank | 1.2% | 1.2% | 0.5–3.0 | ChatGPT16Gemini14Google AI Mode14Perplexity16 |
| 174–20 | Resimac | 0.8% | 1.4% | 0.3–2.5 | ChatGPT7Gemini5Google AI Mode6Perplexity17 |
| 184–20 | Firstmac | 0.8% | 0.5% | 0.3–2.5 | ChatGPT12Gemini18Google AI Mode15Perplexity18 |
| 194–20 | ING | 0.8% | 1.2% | 0.3–2.5 | ChatGPT17Gemini19Google AI Mode18Perplexity19 |
| 206–20 | Bluestone Home Loans | 0.7% | 1.0% | 0.2–2.3 | ChatGPT9Gemini9Google AI Mode9Perplexity20 |
02 · Engine consensus
Where each brand ranks
inside every engine’s top 10
There is no single AI top 10.
Only 6 of 14 brands rank in the top 10 of all 4 engines.
| Brand | ChatGPT | Gemini | Google AI Mode | Perplexity | In top 10 of |
|---|---|---|---|---|---|
| Commonwealth Bank | 1 | 3 | 1 | 1 | ChatGPTGeminiGoogle AI ModePerplexity |
| Pepper Money | 6 | 1 | 2 | 3 | ChatGPTGeminiGoogle AI ModePerplexity |
| NAB | 4 | 7 | 3 | 2 | ChatGPTGeminiGoogle AI ModePerplexity |
| Liberty Financial | 5 | 2 | 5 | 5 | ChatGPTGeminiGoogle AI ModePerplexity |
| ANZ | 3 | 4 | 7 | 4 | ChatGPTGeminiGoogle AI ModePerplexity |
| Westpac | 2 | 8 | 4 | 6 | ChatGPTGeminiGoogle AI ModePerplexity |
| Resimac | 7 | 5 | 6 | – | ChatGPTGeminiGoogle AI Mode |
| Bluestone Home Loans | 9 | 9 | 9 | – | ChatGPTGeminiGoogle AI Mode |
| La Trobe Financial | 8 | 6 | – | – | ChatGPTGemini |
| National Housing Finance and Investment Corporation | – | – | 8 | 9 | Google AI ModePerplexity |
| Macquarie Bank | 10 | – | – | 10 | ChatGPTPerplexity |
| Bridgit | – | 10 | 10 | – | GeminiGoogle AI Mode |
| Unloan | – | – | – | 7 | Perplexity |
| Athena Home Loans | – | – | – | 8 | Perplexity |
Rank inside each engine’s own top 10 · a dash means the brand is not in that engine’s top 10.
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, mortgages & home loans, Australia.
04b · Most cited domains
Which sites each engine cites, and
how much of its answers they carry
| Domain | ChatGPT | Gemini | Google AI Mode | Perplexity |
|---|---|---|---|---|
| commbank.com.au | 5.7% | 1.1% | 3.1% | 1.5% |
| huntergalloway.com.au | 0.3% | 5.7% | – | 0.8% |
| moneysmart.gov.au | 5.4% | 0.2% | 1.1% | 0.5% |
| youtube.com | 0.4% | – | 4.7% | – |
| everstonefinance.com.au | 0.2% | 4.2% | 2.4% | 0.3% |
| ato.gov.au | 3.9% | 0.4% | 2.1% | 1.2% |
| mozo.com.au | 1.0% | 3.9% | 2.6% | 0.6% |
| stryve.com.au | 0.3% | 3.9% | 0.8% | 0.3% |
| canstar.com.au | 2.3% | 2.1% | 3.7% | 3.4% |
| westpac.com.au | 3.6% | 0.7% | 2.1% | 0.7% |
| liberty.com.au | 2.9% | 0.6% | 1.4% | 0.2% |
| anz.com.au | 2.8% | 2.3% | 1.7% | 2.0% |
05 · The questions we asked
334 buyer questions, each
asked three times per engine
This isn’t a branded-prompt study.
76% of questions are problem- or solution-aware.
| Intent | Questions |
|---|---|
| Solution-aware | 160 |
| Problem-aware | 94 |
| Informational | 40 |
| Branded comparison | 24 |
| Branded sentiment | 16 |
By intent
Examples · Solution-aware
“How does Low-Doc / Non-Conforming Loans compare against prime bank lending when it comes to Approval despite credit history as of latest information?”
“Which mortgage brokers can fast-track pre-approval for a Interest-only investment loan to fulfill my Competitive rates despite alt-doc status before auction as of latest information?”
Examples · Problem-aware
“I am self-employed with fluctuating income and need help with Low fees and manageable repayments, what financing options exist as of latest information?”
“I am self-employed with fluctuating income and need help with Minimal documentation, what financing options exist as of latest information?”
Examples · Informational
“What are the standard tax and regulatory implications when setting up a Internal refinance/repricing with existing lender as of latest information?”
“What are the standard tax and regulatory implications when setting up a Bank Statement-Verified Mortgages as of latest information?”
Examples · Branded comparison
“NAB vs Westpac for Interest-only terms and pricing, rental income shading policies, and portfolio management tools for property investors. as of latest information?”
“DomaCom vs Household Capital for Fractional equity sale model without debt accumulation vs traditional debt-accruing reverse mortgage structure. as of latest information?”
Examples · Branded sentiment
“Is Unloan a good choice in refinance loans as of latest information?”
“Is Bendigo Bank a good choice in first home buyer assisted finance as of latest information?”
Source: Findrix research. 334 buyer questions by intent, mortgages & home loans, Australia.
05b · By product type
Which product segments
the questions cover
The study doesn’t hinge on one product category.
Questions span 12 mortgages & home loans segments.
| Segment |
|---|
| Prime Full-Doc Mortgages |
| Refinance Loans |
| Investment Property Loans |
| Government-Backed & Assisted Mortgages |
| Owner-Occupier Home Loans |
| Bridging Finance |
| Low-Doc & Alt-Doc Mortgages |
| Low-Doc / Non-Conforming Loans |
| Equity Release & Seniors Financing |
| SMSF (Self-Managed Super Fund) Property Loans |
| First Home Buyer Assisted Finance |
| Construction & Renovation Finance |
12 segments
Examples · Prime Full-Doc Mortgages
“Should an investor choose a Standard Variable Rate (SVR) Home Loans or a basic fixed-rate facility to optimize for Fees (application, ongoing, discharge) as of latest information?”
Examples · Refinance Loans
“What are the standard tax and regulatory implications when setting up a Internal refinance/repricing with existing lender as of latest information?”
Examples · Investment Property Loans
“Which mortgage brokers can fast-track pre-approval for a Interest-only investment loan to fulfill my Competitive rates despite alt-doc status before auction as of latest information?”
Examples · Government-Backed & Assisted Mortgages
“Defence Bank vs Indigenous Business Australia for Compared on eligibility niche (defence personnel vs Indigenous applicants) and subsidy/interest concessions as of latest information?”
Examples · Owner-Occupier Home Loans
“What are the pros and cons of a First home buyer loan compared to a traditional standard variable mortgage regarding Fees and charges as of latest information?”
Examples · Bridging Finance
“Is Bridgit a good choice in bridging finance as of latest information?”
Examples · Low-Doc & Alt-Doc Mortgages
“Which specialist non-bank lenders offer a Bank Statement-Verified Mortgages tailored for Clear path to refinance to prime rates later as of latest information?”
Examples · Low-Doc / Non-Conforming Loans
“How does Low-Doc / Non-Conforming Loans compare against prime bank lending when it comes to Approval despite credit history as of latest information?”
Examples · Equity Release & Seniors Financing
“DomaCom vs Household Capital for Fractional equity sale model without debt accumulation vs traditional debt-accruing reverse mortgage structure. as of latest information?”
Examples · SMSF (Self-Managed Super Fund) Property Loans
“Is Thinktank Property Finance a good choice in smsf (self-managed super fund) property loans as of latest information?”
Examples · First Home Buyer Assisted Finance
“What are the pros and cons of a Family Home Guarantee (single parents) compared to a traditional standard variable mortgage regarding Interest rate as of latest information?”
Examples · Construction & Renovation Finance
“What are the pros and cons of a Knockdown Rebuild Loan compared to a traditional standard variable mortgage regarding Interest-Only Repayments During the Build Phase as of latest information?”
Source: Findrix research. 12 product segments covered by the question set, mortgages & home loans, Australia.
Neighbouring markets · Finance & Insurance
United States · Australia
Wealth Management & Financial Advice
Perplexity leader Mercer Australia · 5.1% · 44 brands measured
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Frequently asked questions
What does this Mortgages & Home Loans AI Search report measure?
Which mortgages & home loans brands ChatGPT, Gemini, Google AI Mode and Perplexity name when buyers in Australia ask them for advice. We asked 334 buyer questions, each three times to each engine, and counted how often every brand appears and which websites the engines cite. Measured Sep 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 Mortgages & Home Loans 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 6 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%.
What types of Mortgages & Home Loans questions are included?
Questions real buyers ask across 12 product segments, from problem-aware to solution-aware, informational and branded ones. 76% are problem- or solution-aware; this is not a branded-prompt study.
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 three times per engine and report a 95% range instead of a single answer.