The 24 lenders we settled loans with in the last twelve months.
Every broker says they have access to a large panel. Almost none of them publish which lenders they actually used. This is that list, taken from the Credit Guide you receive before any advice is given, with nothing added and nothing left out.
Why this is on the website at all
Access and use are different things, and the difference is the whole point of a broker. Opulent Finance has access to options from more than 50 lenders through its lender and aggregator network. In the twelve months to 5 September 2026, the loans that were actually settled went to the 24 below.
The number worth looking at is the second one. 8 of the 24 are not banks: specialist lenders for self-employed borrowers, private and short-term funders, equipment and small business lenders. A panel that is entirely major banks is a panel that can only say yes to borrowers who already fit a major bank. That is a fine outcome when it is the right one, and a dead end when it is not.
The list, as the Credit Guide prints it
Each lender is marked as an authorised deposit-taking institution (a bank, building society or credit union, which takes deposits and is prudentially regulated by APRA) or as a non-bank lender (funded from wholesale or investor money rather than deposits). The distinction is used because it is the one that changes what a borrower can be offered, not because one is better than the other.
| Lender | Type | Note |
|---|---|---|
| AFG Home Loans - Retro | Aggregator white label | An aggregator white-label product rather than a lender in its own right, funded by a wholesale funder. |
| ANZ | Bank, mutual or credit union | |
| ASCF | Non-bank lender | Australian Secure Capital Fund, a private and short-term lender. |
| Bank of Melbourne | Bank, mutual or credit union | |
| Bankwest | Bank, mutual or credit union | |
| CBA Asset Finance | Bank, mutual or credit union | Asset and equipment finance arm. |
| Commonwealth Bank | Bank, mutual or credit union | |
| Firstmac | Non-bank lender | |
| GMCU | Bank, mutual or credit union | Goulburn Murray Credit Union, a regional mutual. |
| HSBC | Bank, mutual or credit union | |
| Hume Bank | Bank, mutual or credit union | A regional mutual bank. |
| La Trobe Financial | Non-bank lender | Specialist and self-employed lending. |
| Macquarie Bank | Bank, mutual or credit union | |
| NAB | Bank, mutual or credit union | |
| NAB Asset Finance | Bank, mutual or credit union | Asset and equipment finance arm. |
| NAB Commercial | Bank, mutual or credit union | Commercial lending arm. |
| People First Bank | Bank, mutual or credit union | A customer-owned mutual bank. |
| Plenti | Non-bank lender | Personal, automotive and renewable lending. |
| Prospa | Non-bank lender | Small business cash flow lending. |
| RedZed | Non-bank lender | Self-employed and low doc specialist. |
| Suncorp Bank | Bank, mutual or credit union | |
| UBank | Bank, mutual or credit union | A digital bank. |
| Westpac | Bank, mutual or credit union | |
| Wisr | Non-bank lender | Personal and vehicle lending. |
The wider panel we can place a loan with
Access to options from more than 50 lenders through our lender and aggregator network. The 86 marks below come from the lender logo pack our aggregator supplies to accredited brokers. Some are white label products funded by a lender already named above, so the marks are brands, not 86 separate institutions.
This is reach, not a record. Not every lender here is one we settled a loan with in the last twelve months, and not every loan suits every lender. The 24 in the table above is the number evidenced by the Credit Guide, and it is the one to hold us to.
AFG lender logo pack, supplied to accredited brokers for use in broker marketing. Logos are reproduced unaltered and remain the property of their owners. Nothing here says Opulent Finance holds a direct accreditation with every lender shown. The pack also carries HSBC, not shown here because that lender is leaving the Australian home loan market.
What this list does not say
- It is not an accreditation list. It is the lenders loans were settled with. The network reaches further than the loans that happened to settle in one twelve month period.
- It is not 24 separate institutions. Brand ownership is deliberately not stated. Several of these brands belong to the same banking group, and group structures change; the count below is of lender brands settled with, not of independent institutions.
- It is not a recommendation. Which lender suits a file depends on the file. Nothing here says any lender is better than another, and no rates are quoted on this site.
- It is a twelve month window, not a history. It moves as the Credit Guide is reissued, and this page moves with it.
Source
Opulent Finance Credit Guide v4.0, section “I have settled loans with the following lenders in the last 12 months”, dated 5 September 2026. Read the document. The list is reproduced exactly as the Credit Guide prints it. Nothing is added, nothing is left out, and the page is regenerated from this file so the two cannot drift. The Credit Guide is the document a client receives before any credit assistance is provided, so this is a disclosure the business already makes; publishing it simply makes it readable.
Whether any of them suits you is a different question.
A finance review starts with a conversation and a written position from Dayan Kasturiratna, who provides the credit assistance on every file. No documents at this stage and no credit check.
This page reproduces a disclosure from the Credit Guide. It is general information, not a recommendation, and it does not take account of your objectives, financial situation or needs. Finance is subject to lender assessment, and no interest rates are quoted on this site.