Sydney, Australia – FLI Group, a trusted name in mortgage consulting and finance comparison, has published its latest national report, helping Australians answer one of the year’s most pressing financial questions: Which lender is currently offering the lowest mortgage rates?

The comprehensive 2025 Mortgage Rate Insights Report reviews more than 40 lenders across Australia, including banks, credit unions, and online-only providers. The analysis reveals a growing divide between traditional institutions and digital-first lenders, with the latter offering increasingly competitive rates.

Key Findings:

Some lenders are offering standard variable rates well below the industry average.
Online lenders and non-bank institutions are gaining ground with flexible loan terms.
Borrowers with strong credit profiles and lower LVRs tend to receive significantly better rates.
First-home buyer packages and green home loan incentives are improving affordability.

Mortgage rates are still top-of-mind for Australian homeowners and buyers,” said Tom Kennedy, Mortgage Specialist at FLI Group. “Our aim is to give consumers clarity, so they can compare lenders confidently and make informed financial decisions.

The full report, updated quarterly, is available now fligroup.com.au at and includes a rate tracker, expert tips, and a refinancing checklist.

About FLI Group

FLI Group is an Australian-based financial services firm specialising in mortgage advisory, rate comparison, and property finance strategy. With a nationwide network of experts, FLI Group helps Australians navigate the mortgage market and secure the best possible deals.